The Best Mortgage Lenders in Bristol, WI
Compare verified mortgage lenders serving Bristol, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bristol
Featured Mortgage Lenders
Johnson Bank Mortgage Team
Johnson Bank
Johnson Bank has been serving southeastern Wisconsin communities for over 50 years with a strong local presence in Kenosha County, which includes Bristol. They are particularly noted for their personalized service and deep understanding of local real estate markets. As a community-focused bank, they offer competitive rates and a wide range of mortgage products with local decision-making. Their mortgage team has extensive experience helping both first-time homebuyers and experienced homeowners throughout the Bristol area with straightforward application processes and exceptional customer service ratings.
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North Shore Bank Mortgage Division
North Shore Bank
North Shore Bank has been a trusted financial institution in southeastern Wisconsin for nearly a century, with multiple branches serving the Bristol area. Their mortgage division receives consistently high marks for responsive service and competitive rate offerings. They specialize in guiding clients through the entire mortgage process with local loan officers who understand the Bristol market dynamics. The bank is particularly praised for their first-time homebuyer programs and flexible financing options, with many customers noting the efficiency and transparency of their mortgage closing process.
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Waterstone Mortgage
Waterstone Mortgage Corporation
Waterstone Mortgage, headquartered in Pewaukee, Wisconsin, is one of the state's premier mortgage lenders with extensive experience serving clients throughout southeastern Wisconsin, including Bristol. They are consistently rated among the top mortgage originators in the region and offer a comprehensive suite of loan products with competitive rates. Their team of experienced loan officers provides personalized service and expert guidance through the entire mortgage process. Waterstone is particularly noted for their efficient processing, strong communication, and ability to handle complex financing situations while maintaining excellent customer satisfaction ratings.
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Frequently Asked Questions
Common questions about mortgage lending in Bristol, WI
Are there any down payment assistance programs specifically for first-time homebuyers in Bristol, WI?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers several programs, including the WHEDA Advantage and WHEDA Conventional loans, which provide competitive rates and low down payment options for eligible first-time buyers in Bristol. Additionally, Kenosha County may have local grants or assistance programs, so it's wise to consult with a local mortgage lender familiar with these resources.
How do property taxes in Bristol, WI, impact my mortgage payments and affordability?
Bristol is in Kenosha County, which has property tax rates that are generally moderate for southeastern Wisconsin. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these taxes. It's crucial to factor this into your budget, as the annual tax on a typical Bristol home can add several hundred dollars to your monthly payment compared to areas with lower rates.
What type of property appraisal challenges are common for mortgages on homes in Bristol's more rural areas?
Homes on larger lots or with unique features like private wells and septic systems are common in parts of Bristol. Appraisals for these properties can sometimes be more complex, as comparables ("comps") may be fewer and farther between. Working with a lender experienced in rural and semi-rural properties in Kenosha County can help ensure a smooth appraisal process.
Are USDA loans a viable option for mortgage financing in Bristol, Wisconsin?
Absolutely. Much of Bristol is designated as "rural" by the USDA, making many homes eligible for USDA Section 502 Guaranteed Loans. This is a fantastic option for eligible buyers, as it offers 100% financing (no down payment) and competitive rates, which is particularly advantageous given Bristol's mix of agricultural and residential land.
How does Bristol's proximity to the Illinois border affect mortgage lending for out-of-state buyers?
Many lenders in the area are accustomed to working with buyers relocating from Illinois, particularly from the Chicago metro area. However, you'll need a lender licensed in Wisconsin. Key considerations include understanding Wisconsin's specific closing costs, transfer taxes, and how your income and employment verification will be handled across state lines.
Nearby Cities
Explore mortgage lenders in cities near Bristol, WI
Why Choose a Mortgage Lender in Bristol?
Local Market Knowledge
Lenders who understand Bristol'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 Bristol and get competitive rates on your home loan.