The Best Mortgage Lenders in Horicon, WI
Compare verified mortgage lenders serving Horicon, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Horicon
Featured Mortgage Lenders
Landmark Credit Union Mortgage Services
Landmark Credit Union
Landmark Credit Union is one of Wisconsin's most highly-rated mortgage lenders with extensive experience serving Dodge County and the Horicon area. They maintain exceptional 4.8-star ratings across multiple review platforms for their personalized service, competitive rates, and local underwriting expertise. As a member-owned financial cooperative, they prioritize customer satisfaction over profits and offer comprehensive mortgage solutions with local decision-making. Their digital mortgage platform combined with local branch support makes them a top choice for Horicon homebuyers.
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National Exchange Bank & Trust Mortgage Division
National Exchange Bank & Trust
National Exchange Bank & Trust has built an outstanding reputation throughout eastern Wisconsin with their local mortgage expertise and community-focused approach. Serving Horicon and surrounding communities for decades, they offer the advantage of local loan processing and underwriting with competitive regional rates. Their 4.7-star rating reflects consistent customer satisfaction, particularly praised for their responsive communication and smooth closing processes. As a community bank deeply embedded in the region, they understand local market conditions and provide personalized mortgage guidance.
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Mortgage Center
Mortgage Center, Inc.
Mortgage Center is a highly specialized mortgage brokerage located just 15 minutes from Horicon in Beaver Dam, earning exceptional 4.9-star ratings for their expert guidance and extensive lender network. With nearly three decades of experience serving Dodge County, they leverage relationships with multiple lenders to secure optimal terms and rates for Horicon homebuyers. Their boutique approach provides personalized service from application through closing, with particular expertise in rural properties and first-time homebuyer programs. Customers consistently praise their transparency, attention to detail, and ability to navigate complex financing scenarios.
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Frequently Asked Questions
Common questions about mortgage lending in Horicon, WI
Are there any special mortgage programs for first-time homebuyers in Horicon, WI?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers several first-time homebuyer programs with competitive rates, down payment assistance, and flexible credit requirements that are widely used in Horicon. Additionally, local lenders often have knowledge of community-specific grants or programs aimed at encouraging homeownership in Dodge County. It's advisable to consult with a local mortgage broker who can guide you through the best options for your situation.
How do property taxes in Horicon, WI, affect my mortgage payments?
Horicon is located in Dodge County, which has a property tax rate that is generally competitive within Wisconsin. Your lender will estimate these taxes and include them in your monthly escrow payment. It's important to note that the City of Horicon's mill rate can influence the total, so when budgeting for your mortgage, factor in an annual property tax bill that typically ranges from 1.5% to 1.9% of the home's assessed value.
What is the typical down payment needed for a home in Horicon's market?
While 20% down is traditional to avoid private mortgage insurance (PMI), many buyers in Horicon utilize conventional loans with down payments as low as 3-5%, or FHA loans with 3.5% down, due to the area's relatively affordable home prices. For a median-priced home in Horicon (around $200,000), this translates to a more accessible upfront cost, making homeownership achievable for many local buyers.
Are USDA rural housing loans available in Horicon, WI?
Yes, Horicon is eligible for USDA Rural Development loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a significant advantage for eligible homebuyers looking in Horicon and the surrounding areas, as it can greatly reduce the barrier to entry. A local lender can confirm specific property eligibility and income limits for Dodge County.
How does Horicon's proximity to larger cities impact mortgage lending considerations?
Horicon's location within commuting distance of cities like Beaver Dam, Fond du Lac, and even Madison can influence lender appraisal values positively, as it's seen as part of a stable regional economy. Lenders may view employment stability favorably if you work in these larger hubs. However, it's still crucial to get a thorough, local appraisal to ensure the loan amount accurately reflects Horicon's specific market conditions and property values.
Why Choose a Mortgage Lender in Horicon?
Local Market Knowledge
Lenders who understand Horicon'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 Horicon and get competitive rates on your home loan.