The Best Mortgage Lenders in Jefferson, WI
Compare verified mortgage lenders serving Jefferson, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Jefferson
Featured Mortgage Lenders
Fort Community Credit Union
Fort Community Credit Union
Fort Community Credit Union has been serving Jefferson County residents for over eight decades with deep roots in the local community. As a member-owned financial cooperative, they offer personalized mortgage services with competitive rates and exceptional member service. Their mortgage team provides comprehensive guidance through the entire home financing process, specializing in first-time homebuyer programs and various loan options. With multiple branches throughout Jefferson County and strong local presence, they understand the specific needs of Jefferson area homebuyers and have consistently high customer satisfaction ratings.
Loan Types:
Waterstone Mortgage
Waterstone Mortgage
Waterstone Mortgage has built an outstanding reputation throughout southeastern Wisconsin with their local expertise and national lending capabilities. Based in nearby Fort Atkinson, they serve Jefferson homebuyers with exceptional personalized service and competitive mortgage products. Their experienced loan officers provide comprehensive guidance through the entire mortgage process, offering specialized programs including construction loans and portfolio lending options. With strong community ties and extensive experience in the Jefferson County market, they consistently receive high marks for customer service, communication, and competitive rates.
Loan Types:
Associated Bank Mortgage
Associated Bank, N.A.
Associated Bank maintains a physical branch location right in Jefferson and has been serving Wisconsin communities for over a century. As one of the largest banks headquartered in Wisconsin, they offer comprehensive mortgage services with the stability of a major financial institution combined with local market expertise. Their Jefferson-based mortgage specialists provide personalized service with access to a wide range of loan products and competitive rates. With deep roots in the community and extensive experience in the local real estate market, they offer reliable mortgage solutions with the convenience of local decision-making and strong customer support throughout the lending process.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Jefferson, WI
What are the current mortgage rates like in Jefferson, WI, and how do they compare to state or national averages?
Mortgage rates in Jefferson typically align closely with national averages, but local credit unions like Fort Community Credit Union or commercial banks may offer competitive, slightly lower rates for members or those with strong local banking relationships. It's always wise to compare offers from both local institutions and national lenders, as Jefferson's stable housing market can sometimes provide a slight edge in rate negotiations.
Are there any down payment assistance programs specifically for Jefferson homebuyers?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers statewide programs like the WHEDA Advantage and WHEDA Conventional loans, which are accessible to Jefferson buyers and provide low down payment options and competitive rates. Additionally, the City of Jefferson itself does not currently run a separate program, but first-time buyers should consult with a local WHEDA-certified lender who can navigate all available state and federal assistance options.
How does Jefferson's property tax rate affect my mortgage payments and qualification?
Jefferson County has a property tax rate that is generally considered moderate for Wisconsin. When calculating your debt-to-income ratio for mortgage approval, lenders will include the estimated monthly property tax escrow, which is a significant factor in Jefferson. For a precise estimate, consult the Jefferson County Treasurer's office for current mill rates, as this will directly impact your total monthly payment.
What unique appraisal considerations should I be aware of when buying a home in Jefferson?
Appraisals in Jefferson must account for the mix of historic homes near downtown and newer constructions on the outskirts. An appraiser familiar with the local market will properly value features like updates to older homes, proximity to the Rock River, and comparisons to similar sales in specific neighborhoods like Country View or along Highway 26. This local expertise ensures the property value supports your loan amount.
As a first-time homebuyer in Jefferson, what local resources or lenders are most helpful?
First-time buyers in Jefferson benefit greatly from working with local lenders who are experts in WHEDA programs, such as those at PremierBank or Citizens Bank. Additionally, attending a free homebuyer education course, often offered online through WHEDA or in partnership with the Jefferson County UW-Extension, is a crucial step to understand the process and access special loan programs.
Nearby Cities
Explore mortgage lenders in cities near Jefferson, WI
Why Choose a Mortgage Lender in Jefferson?
Local Market Knowledge
Lenders who understand Jefferson'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 Jefferson and get competitive rates on your home loan.