The Best Mortgage Lenders in Hilbert, WI
Compare verified mortgage lenders serving Hilbert, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hilbert
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a highly respected lender with a strong local presence in the Fox Valley area, serving Hilbert and surrounding communities. Known for its competitive rates, personalized service, and extensive loan options, the company has built a reputation for efficiency and customer satisfaction. With nearly three decades of experience, they offer expert guidance through the mortgage process, making them a top choice for homebuyers in rural and suburban Wisconsin.
Loan Types:
New American Funding
New American Funding
New American Funding is a nationally recognized lender with a strong track record of serving Wisconsin communities, including Hilbert. They are praised for their diverse loan programs, competitive rates, and commitment to minority and first-time homebuyer programs. With over two decades of experience, they provide online and phone-based services, ensuring accessibility and high customer satisfaction through streamlined processes and dedicated support.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated lender with a significant presence in northeastern Wisconsin, actively serving Hilbert and the broader Fox Valley region. They are known for their fast closing times, competitive rates, and community-focused approach. With over 15 years in business, they emphasize personal relationships and innovative technology, making the mortgage process smooth and transparent for clients in both urban and rural areas.
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Frequently Asked Questions
Common questions about mortgage lending in Hilbert, WI
What are the typical down payment requirements for buying a home in Hilbert, WI?
In Hilbert's more affordable market, many conventional loans require a 5% down payment, while FHA loans can go as low as 3.5%. For the median home price in Hilbert, this translates to a significantly lower upfront cash requirement compared to larger Wisconsin cities, making homeownership more accessible. Local lenders are also familiar with USDA Rural Development loans, which offer 0% down options for eligible properties in and around the village.
Are there any local or county-specific first-time homebuyer programs available in Hilbert?
Yes, Calumet County, where Hilbert is located, offers the Calumet County Housing Authority's First-Time Homebuyer Program. This program can provide down payment and closing cost assistance in the form of a deferred, forgivable loan. Additionally, the statewide WHEDA (Wisconsin Housing and Economic Development Authority) programs are widely used in Hilbert, offering competitive rates and down payment assistance for qualifying buyers.
How does Hilbert's location in a rural area affect my mortgage options?
Hilbert's designation as a rural area by the USDA opens up valuable mortgage options. The USDA Rural Development Guaranteed Housing Loan is a prominent program here, offering 100% financing (no down payment) for eligible borrowers and properties. This program is specifically designed to promote homeownership in areas like Hilbert and can be more advantageous than conventional loans for those who qualify.
What should I know about property taxes and insurance when calculating my mortgage payment in Hilbert?
Property taxes in Calumet County and the Village of Hilbert are a key component of your monthly escrow payment. Rates are generally competitive within the region. For insurance, due to Hilbert's proximity to agricultural land and lower density, homeowners insurance premiums can be relatively favorable. Your lender will help you estimate these costs accurately based on the specific property's assessed value and location.
Are mortgage rates in Hilbert different from those in larger cities like Appleton or Green Bay?
Mortgage rates are generally standardized nationally and are not specific to Hilbert. However, your final rate is personalized based on your credit profile, loan type, and down payment. Working with a local lender in the Hilbert area can be beneficial as they understand the local appraisal process and property values, which can help ensure a smooth transaction and potentially avoid delays that might otherwise affect your rate lock.
Why Choose a Mortgage Lender in Hilbert?
Local Market Knowledge
Lenders who understand Hilbert'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 Hilbert and get competitive rates on your home loan.