The Best Mortgage Lenders in Fence, WI
Compare verified mortgage lenders serving Fence, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fence
Featured Mortgage Lenders
Nicolet National Bank Mortgage Team
Nicolet National Bank
Nicolet National Bank is a highly-rated regional bank with strong presence throughout northeastern Wisconsin, including service to Florence County where Fence is located. They receive exceptional reviews for their personalized mortgage services, competitive rates, and local decision-making capabilities. As a community-focused institution with deep Wisconsin roots, they specialize in understanding the unique needs of rural and small-town homebuyers. Their mortgage team provides comprehensive guidance through the entire process with particular expertise in rural property financing and construction loans.
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Badger Mortgage Services
Badger Mortgage Services, LLC
Badger Mortgage Services is a top-rated mortgage broker serving all of northern Wisconsin, including Florence County. They consistently receive perfect or near-perfect reviews for their exceptional customer service, extensive loan program options, and expertise in rural property financing. As a local Wisconsin company, they have strong relationships with multiple lenders to secure competitive rates and specialize in helping buyers in smaller communities like Fence. Their team is praised for making complex mortgage processes straightforward and providing personalized attention throughout.
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Associated Bank Mortgage Division
Associated Bank
Associated Bank is one of Wisconsin's largest banks with comprehensive mortgage services available throughout the state, including rural areas like Fence. They have decades of experience serving Wisconsin homebuyers and receive high marks for their reliable service, competitive rate offerings, and extensive branch network. Their mortgage specialists are particularly skilled at navigating rural property purchases and USDA loans that are relevant to the Fence area. The bank maintains strong community ties and offers digital mortgage tools alongside personalized local service.
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Frequently Asked Questions
Common questions about mortgage lending in Fence, WI
Are there any special mortgage considerations for buying a home on a large, wooded lot in Fence, Wisconsin?
Yes, properties in Fence often come with substantial acreage and timber. Lenders may require a specialized appraisal that considers the value of the land and timber separately from the dwelling. It's also wise to confirm the property's zoning and ensure access meets lender requirements for a standard mortgage.
What first-time homebuyer programs are accessible for buyers in the remote Fence, WI area?
The Wisconsin Housing and Economic Development Authority (WHEDA) programs are available statewide and can be a great fit for Fence. These include low down payment options and competitive rates. Additionally, some local lenders serving Forest County may have their own portfolio loan programs designed for rural, lower-income buyers.
How does the seasonal economy and remote location of Fence impact mortgage qualification?
Lenders will closely scrutinize income stability, especially if your employment is seasonal (e.g., tourism, logging). You may need to provide a two-year history of seasonal work. The remote location can also mean fewer local lending branches, so working with a lender experienced in rural Wisconsin is beneficial for a smoother process.
Are USDA Rural Development loans a common option for mortgages in Fence, WI?
Absolutely. Given Fence's very rural character and low population density, most of the area is eligible for USDA loans. This is a key program for the area as it offers 100% financing (no down payment), which is ideal for a market with more modestly priced homes.
What are typical closing costs like for a mortgage in Forest County, and are property taxes high?
Closing costs in Forest County are generally in line with state averages, typically 2-5% of the loan amount. However, property taxes in Wisconsin can vary; Forest County has relatively low property tax rates compared to more urban counties, which can help with overall mortgage affordability despite the higher costs for services in a remote area.
Why Choose a Mortgage Lender in Fence?
Local Market Knowledge
Lenders who understand Fence'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 Fence and get competitive rates on your home loan.