The Best Mortgage Lenders in Hazel Green, WI
Compare verified mortgage lenders serving Hazel Green, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hazel Green
Featured Mortgage Lenders
Mortgage Department
First Community Bank and Trust
First Community Bank and Trust has been serving southwestern Wisconsin communities for over two decades with deep roots in local mortgage lending. They consistently receive exceptional ratings for their personalized service and competitive rates, particularly valued by rural homebuyers in areas like Hazel Green. Their loan officers have extensive experience with USDA rural development loans and understand the unique needs of agricultural communities. The bank maintains strong community relationships and offers local decision-making for faster loan processing.
Loan Types:
Mortgage Services
Dupaco Community Credit Union
Dupaco Community Credit Union serves members throughout the tri-state area including Hazel Green, Wisconsin, with outstanding mortgage services and highly competitive rates. They have exceptional customer satisfaction ratings and specialize in helping members achieve homeownership through comprehensive financial guidance. Their mortgage team provides personalized service with local underwriting decisions and offers special first-time homebuyer programs. Dupaco is particularly noted for their educational approach and commitment to member financial wellness.
Loan Types:
Madison Area Office
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation operates throughout Wisconsin with loan officers who specifically serve the Hazel Green area. They maintain excellent ratings for their efficient processing and competitive loan products, particularly strong in rural mortgage lending. The company has won multiple national awards for customer service and provides extensive online tools for borrowers. Their local loan officers understand the southwestern Wisconsin market and offer flexible solutions for various financial situations, with particular expertise in government-backed loans popular in rural communities.
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Frequently Asked Questions
Common questions about mortgage lending in Hazel Green, WI
Are there any local down payment assistance programs available for homebuyers in Hazel Green, Wisconsin?
Yes, homebuyers in Hazel Green can access statewide programs like the WHEDA (Wisconsin Housing and Economic Development Authority) Advantage program, which offers competitive rates and down payment assistance. Additionally, Grant County or local lenders may have specific grants or second mortgage options to help with upfront costs, particularly for first-time buyers purchasing within the village limits.
How do property taxes in Hazel Green, WI, impact my mortgage payments and affordability?
Property taxes in Grant County, where Hazel Green is located, are a significant component of your monthly escrow payment. While rates can vary, they are generally moderate compared to statewide averages. It's crucial to get a precise tax estimate for any property, as taxes are reassessed upon sale, which can affect your total monthly mortgage payment more than the loan's principal and interest in some cases.
What types of properties are most common for mortgage financing in Hazel Green, and does that affect loan options?
Hazel Green features a mix of single-family homes, older historic properties, and newer construction on larger lots. Financing for well-maintained older homes is standard, but if you're considering a unique property (e.g., a farmette or a home with acreage), you may need a specialized rural or jumbo loan. Local lenders familiar with the area's property types can best guide you on appropriate loan products.
As a rural village, does Hazel Green qualify for USDA Rural Development mortgage loans?
Yes, Hazel Green is located in an area eligible for USDA Rural Development loans, which offer 100% financing with no down payment. This is a major advantage for eligible buyers with moderate incomes looking to purchase a primary residence in the village or surrounding countryside, as it significantly lowers the barrier to entry in the local housing market.
How competitive is the mortgage rate environment in Hazel Green compared to larger Wisconsin cities?
Mortgage rates in Hazel Green are primarily set by national markets, so they are generally consistent statewide. However, working with a local lender or credit union, like those in nearby Platteville or Dubuque, can sometimes provide more personalized service and access to portfolio loan products that might offer competitive terms for local borrowers, especially for those with strong community ties.
Why Choose a Mortgage Lender in Hazel Green?
Local Market Knowledge
Lenders who understand Hazel Green'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 Hazel Green and get competitive rates on your home loan.