The Best Mortgage Lenders in Kingston, WI
Compare verified mortgage lenders serving Kingston, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kingston
Featured Mortgage Lenders
Bank First Mortgage Team
Bank First
Bank First has been serving Eastern Wisconsin communities for over 125 years with a strong reputation for personalized mortgage services. Their local lending team understands the Kingston area market specifically and offers competitive rates with exceptional customer service. As a community-focused bank, they provide quick decision-making and local underwriting, making them a top choice for home purchases and refinancing in the region. Their extensive experience with rural properties and agricultural areas makes them particularly well-suited for Kingston residents.
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Capital Credit Union Mortgage Department
Capital Credit Union
Capital Credit Union serves multiple counties in Northeast Wisconsin including the Kingston area, offering highly competitive mortgage rates to members. They are particularly noted for their first-time homebuyer programs and exceptional member service. With local loan officers who understand the specific needs of rural communities like Kingston, they provide personalized guidance throughout the entire mortgage process. Their not-for-profit structure often results in lower fees and better terms for borrowers in the region.
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Great Midwest Bank Mortgage Division
Great Midwest Bank
Great Midwest Bank has built a strong reputation throughout Northeast Wisconsin for their expertise in rural and semi-rural property financing, making them an excellent choice for Kingston area homebuyers. They offer particularly strong construction and land loan programs, which are valuable in areas like Kingston where new construction is common. Their local decision-making process and understanding of the unique aspects of rural property valuation set them apart from larger national lenders.
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Frequently Asked Questions
Common questions about mortgage lending in Kingston, WI
Are there any down payment assistance programs specifically for first-time homebuyers in Kingston, WI?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers several programs, including the WHEDA Advantage and WHEDA Conventional loans, which provide competitive rates and low down payment options for eligible first-time buyers in Kingston. Additionally, some local credit unions, like Royal Credit Union, may offer community-specific programs or grants for buyers in the St. Croix County area.
How does Kingston's rural location in St. Croix County affect the mortgage process, like appraisals or inspections?
Due to Kingston's more rural setting, appraisals can sometimes take longer or require appraisers who are familiar with comparable properties in smaller towns or agricultural areas. Well and septic inspections are also commonly required, unlike in urban areas with municipal water and sewer, which can add a step to the closing timeline and potential costs.
What are typical property taxes like for homes in Kingston, and how do they impact my mortgage payment?
Property tax rates in Kingston and St. Croix County are generally moderate compared to statewide averages. For 2023, the combined county and local mill rate for Kingston was approximately $19.50 per $1,000 of assessed value. Your lender will factor these taxes into your monthly escrow payment, which is a significant part of your total monthly mortgage cost.
Are USDA Rural Development loans a viable option for buying a home in Kingston, WI?
Absolutely. Kingston is eligible for USDA Rural Development loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a popular and advantageous program in the area due to Kingston's designation, making homeownership more accessible by eliminating the primary barrier of a down payment for eligible individuals and families.
How competitive is the mortgage market in Kingston, and should I expect to pay above the asking price?
While less frenzied than major metro markets, Kingston's real estate market can be competitive for well-priced, move-in ready homes. It's not uncommon for desirable properties to receive multiple offers, which may include escalation clauses or offers above asking. Getting pre-approved with a local lender who can guarantee a quick closing can be a strong point in your offer.
Why Choose a Mortgage Lender in Kingston?
Local Market Knowledge
Lenders who understand Kingston'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 Kingston and get competitive rates on your home loan.