The Best Mortgage Lenders in Clintonville, WI
Compare verified mortgage lenders serving Clintonville, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Clintonville
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly-rated national lender with a strong local presence in Wisconsin, including service to Clintonville. Founded in 1996, they are known for exceptional customer service, competitive rates, and a wide range of loan options. With nearly 30 years of experience, they have built a reputation for reliability and personalized service, often praised for their efficient processing and support for first-time homebuyers. Their Appleton office serves the Clintonville area, making them a top choice for residents seeking trustworthy mortgage solutions.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a reputable national lender with a significant footprint in Wisconsin, including Clintonville. Established in 2008, they emphasize speed and customer satisfaction, offering a streamlined digital mortgage process alongside local support. With over 15 years in business, they have garnered high marks for their competitive rates, transparency, and community involvement. Their Madison office provides accessible service for Clintonville residents, and they are recognized for specialties like new construction loans and refinancing, backed by substantial positive reviews.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a leading national mortgage lender known for innovation and high customer satisfaction, with services extending to Clintonville, WI. Founded in 2000, they offer a user-friendly digital platform combined with expert guidance, specializing in a variety of loan types including HELOCs and jumbo loans. With 24 years of experience, they have built a strong reputation for competitive rates, fast closings, and excellent support. Though headquartered in Chicago, their widespread presence and online tools make them a reliable option for Clintonville homebuyers, supported by hundreds of positive reviews.
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Frequently Asked Questions
Common questions about mortgage lending in Clintonville, WI
What are the typical down payment requirements for homes in Clintonville, given its market?
For the median-priced home in Clintonville (around $200,000), a conventional loan typically requires 5-10% down. However, many local lenders encourage USDA Rural Development loans, which offer 0% down payment options for eligible properties in and around Clintonville, as the area qualifies under USDA guidelines. FHA loans with 3.5% down are also very common for first-time buyers.
Are there any local or county-specific first-time homebuyer assistance programs in Clintonville?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers its "WHEDA Advantage" and "WHEDA Easy Close" programs, which are widely used in Clintonville. These provide competitive rates, down payment assistance, and are particularly favorable for buyers with moderate incomes. It's also worth checking with local institutions like Citizens Community Federal for any community-specific grants or closing cost assistance.
How does Clintonville's property tax rate impact my monthly mortgage payment?
Clintonville, located in Waupaca County, has a relatively moderate property tax rate compared to larger Wisconsin cities. The effective rate is typically around 1.6-1.8% of the assessed value. Your lender will escrow these taxes, so they are included in your monthly payment, adding roughly $250-$350 per month for a $200,000 home, which is a key factor in your debt-to-income ratio calculation.
What should I know about getting a mortgage for a older, historic home in Clintonville's established neighborhoods?
Financing an older home in Clintonville often requires a thorough appraisal and a home inspection that meets lender standards for property condition. While conventional loans work, an FHA 203(k) Rehabilitation Loan can be a valuable tool if the home needs significant repairs, allowing you to finance both the purchase and renovations. Be prepared for potential higher insurance costs and stricter inspection requirements.
Do lenders in Clintonville offer special considerations for agricultural or large-lot properties common in the surrounding area?
Yes, for properties with more than a few acres, lenders may have specific "rural" or "non-standard" loan products. A USDA loan is ideal if the property is primarily residential. For larger parcels with agricultural potential, you may need to work with a local agricultural lender or credit union that understands the value of the land and can structure a suitable mortgage, as a standard conforming loan may have acreage limits.
Nearby Cities
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Why Choose a Mortgage Lender in Clintonville?
Local Market Knowledge
Lenders who understand Clintonville'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 Clintonville and get competitive rates on your home loan.