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Birnamwood, WI

The Best Mortgage Lenders in Birnamwood, WI

Compare verified mortgage lenders serving Birnamwood, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
650+
Reviews
10
Loan Types

Available Loan Programs in Birnamwood

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Renovation

Featured Mortgage Lenders

1

Forward Bank

Forward Bank

★★★★☆
4.8/5

Forward Bank has deep roots in central Wisconsin with over a century of serving local communities. As a community-focused financial institution with multiple branches throughout the region, they offer personalized mortgage services with local underwriting and decision-making. Their strong reputation comes from competitive rates, flexible loan options including specialized rural and agricultural financing, and exceptional customer service. They understand the unique needs of Birnamwood area residents and have consistently high customer satisfaction ratings for their straightforward application process and local expertise.

Experience:120 years
Reviews:150 customer reviews
1002 Grand Avenue, Schofield, WI 54476

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Associated Bank

Associated Bank, N.A.

★★★★☆
4.6/5

Associated Bank is one of Wisconsin's largest banks with a strong regional presence throughout the state, including service to Birnamwood and surrounding communities. They offer comprehensive mortgage solutions with both digital and in-person application options. Their experienced local mortgage team provides personalized guidance through the entire home buying process. Customers consistently praise their competitive rates, smooth closing process, and knowledgeable loan officers who understand the central Wisconsin housing market. Their long-standing community involvement and extensive branch network make them a trusted choice.

Experience:160 years
Reviews:300 customer reviews
1700 Merrill Avenue, Wausau, WI 54401

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

Guild Mortgage Company

Guild Mortgage Company

★★★★☆
4.7/5

Guild Mortgage has built an excellent reputation in Wisconsin with their specialized local expertise and national lending power. Their Wausau office serves the Birnamwood area with dedicated mortgage professionals who provide personalized service and competitive loan products. They are particularly noted for their first-time homebuyer programs and government-backed loans. Customers consistently rate them highly for their responsive communication, efficient processing, and ability to handle complex financing situations. Their commitment to education and guidance throughout the mortgage process has earned them numerous industry awards and high customer satisfaction scores.

Experience:60 years
Reviews:200 customer reviews
4301 Stewart Avenue, Suite 110, Wausau, WI 54401

Loan Types:

ConventionalFHAVAUSDAJumboRenovationRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Birnamwood, WI

What are the current mortgage rates like in Birnamwood, WI, and how do they compare to state or national averages?

Mortgage rates in Birnamwood are generally competitive with state averages, which often run slightly below national rates due to Wisconsin's stable housing market. As a rural community, local lenders like Forward Bank or IncredibleBank may offer personalized rates. It's wise to compare these with online lenders, as even a small difference can be significant given the area's more affordable home prices.

Are there any down payment assistance programs specifically for buyers in Birnamwood or Shawano County?

Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers down payment assistance and favorable loan terms for eligible buyers statewide, which is a key resource for Birnamwood residents. Additionally, some local credit unions may have their own first-time homebuyer programs or grants. Consulting with a local mortgage officer familiar with Shawano County is the best way to uncover all available options.

How does the appraisal process work for a home in a rural area like Birnamwood, where comparable sales can be limited?

Appraisals in Birnamwood can be more complex due to fewer recent sales of similar properties. Appraisers often need to look at a wider geographic area or adjust for differences in land size and home features. Using a lender with experience in rural Wisconsin is crucial, as they will work with appraisers who understand how to properly value properties with acreage, outbuildings, or well and septic systems.

What should I know about getting a mortgage for a property with land or acreage in the Birnamwood area?

Financing a home with significant acreage (typically over 10 acres) may require a different loan product, such as a rural or agricultural-purpose loan, which can have different down payment and qualification requirements. Standard conforming loans have limits on non-buildable acreage. Be upfront with your lender about the property's land details to ensure you apply for the correct type of mortgage.

Are USDA Rural Development loans a common and good option for Birnamwood homebuyers?

Absolutely. Given Birnamwood's designation as a rural area, USDA loans are a popular and excellent option for eligible buyers, as they offer 100% financing with no down payment. Most of Shawano County qualifies, making this a key program for first-time and moderate-income buyers looking at the area's single-family homes. Income limits do apply, so checking your eligibility is the first step.

Nearby Cities

Explore mortgage lenders in cities near Birnamwood, WI

Why Choose a Mortgage Lender in Birnamwood?

Local Market Knowledge

Lenders who understand Birnamwood's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Wisconsin.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Birnamwood and get competitive rates on your home loan.