The Best Mortgage Lenders in Crivitz, WI
Compare verified mortgage lenders serving Crivitz, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Crivitz
Featured Mortgage Lenders
Nicolet National Bank Mortgage Team
Nicolet National Bank
Nicolet National Bank is one of Northeast Wisconsin's most trusted financial institutions with a strong presence throughout Marinette County and the Crivitz area. They offer personalized mortgage services with local decision-making, competitive rates, and deep community roots. Their mortgage team provides comprehensive guidance through the entire home financing process, from pre-approval to closing, with particular expertise in rural and vacation property financing common in the Crivitz region.
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Bay Bank Mortgage Department
Bay Bank
Bay Bank has been serving the Marinette County area for over 25 years, including Crivitz and surrounding communities. They are known for their exceptional customer service and local expertise in Northwoods property financing. As a community-focused bank, they offer competitive mortgage rates and flexible terms with quick local approval processes. Their mortgage specialists have extensive experience with the unique property types found in the Crivitz area, including lake homes and rural properties.
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Fairway Independent Mortgage Corporation - Appleton
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a nationally recognized mortgage lender with strong Wisconsin roots and extensive experience serving the Crivitz area. They consistently receive top ratings for their competitive rates, efficient processing, and exceptional customer service. Their local loan officers understand the specific needs of Crivitz homebuyers, including financing for seasonal properties and rural homes. With numerous industry awards and a reputation for smooth closings, they are a top choice for borrowers throughout Northeast Wisconsin.
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Frequently Asked Questions
Common questions about mortgage lending in Crivitz, WI
What are the current mortgage rates like in Crivitz, WI, and how do they compare to state or national averages?
Mortgage rates in Crivitz are generally aligned with national averages, but local credit unions like CoVantage Credit Union or financial institutions serving Marinette County can sometimes offer very competitive rates. It's wise to shop locally, as lenders familiar with the rural property values in the Crivitz area may provide favorable terms for well-maintained homes on larger lots, which are common here.
Are there any down payment assistance or first-time homebuyer programs specifically available for Crivitz residents?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers statewide programs that Crivitz buyers can utilize, including down payment assistance and favorable loan terms for first-time buyers. Additionally, local lenders may have knowledge of county-level or regional initiatives aimed at promoting homeownership in Marinette County, which includes Crivitz.
How does the appraisal process work for a home in a rural area like Crivitz, especially with unique properties like those with acreage or waterfront on the Peshtigo River?
Appraisals in Crivitz require an appraiser experienced with rural and recreational properties. They will evaluate not just the home but also the land value, access, well and septic systems, and any special features like river frontage. This can sometimes lead to longer timelines or the need for specialized comparables, so factor this into your closing schedule.
What should I know about property taxes and insurance when getting a mortgage in Crivitz?
Property taxes in the Village of Crivitz and surrounding Marinette County are a key part of your monthly payment calculation. Insurance considerations are also crucial; if your property is outside village limits, you may need a separate flood insurance policy, especially near waterways, and a lender will require evidence of this for loan approval.
Are USDA Rural Development loans a common and viable option for mortgages in the Crivitz area?
Absolutely. Given Crivitz's location, many properties in and around the town are eligible for USDA loans, which offer 100% financing with no down payment. This is a highly popular and advantageous option for eligible buyers seeking a home in this qualifying rural area, making homeownership more accessible.
Why Choose a Mortgage Lender in Crivitz?
Local Market Knowledge
Lenders who understand Crivitz'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 Crivitz and get competitive rates on your home loan.