The Best Mortgage Lenders in Oregon, WI
Compare verified mortgage lenders serving Oregon, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Oregon
Featured Mortgage Lenders
Scott Riese
Fairway Independent Mortgage Corporation
Scott Riese with Fairway Independent Mortgage is one of southern Wisconsin's highest-rated mortgage professionals with nearly two decades of experience serving the Oregon area. He maintains exceptional 4.9-star ratings across multiple platforms with numerous reviews praising his responsiveness, expertise with first-time homebuyers, and ability to secure competitive rates. As part of a nationwide lender with strong local presence, he offers comprehensive loan options including specialized programs for rural properties common in the Oregon area.
Loan Types:
Oregon Branch
Summit Credit Union
Summit Credit Union has a physical branch located directly in Oregon and serves as one of the most trusted local mortgage lenders in the community. With over 85 years of operation in southern Wisconsin, they offer exceptionally competitive rates for members and provide personalized service through local loan officers who understand the Oregon market. They receive consistently high marks for their first-time homebuyer programs, construction loans for rural properties, and exceptional member service throughout the mortgage process.
Loan Types:
Matt Hetzel
First Weber Realtors Mortgage
Matt Hetzel with First Weber Mortgage brings over a decade of mortgage expertise specifically serving the southern Wisconsin market including Oregon. As part of Wisconsin's largest real estate company, he has deep knowledge of the local housing market and maintains outstanding 4.8-star ratings for his detailed guidance through the mortgage process. Reviews consistently highlight his patience with first-time buyers, efficient processing, and ability to find creative solutions for unique financing situations in the Oregon area.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Oregon, WI
Are there any first-time homebuyer programs specifically for Oregon, WI residents?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers statewide programs, including low down payment options and competitive rates, which are accessible to Oregon buyers. Additionally, Dane County may have local down payment assistance initiatives. It's wise to consult with a local lender familiar with both WHEDA and any county-specific offerings to maximize your benefits.
How do property taxes in Oregon, WI impact my mortgage payment and affordability?
Oregon has a property tax rate that is generally competitive within Dane County but is a significant component of your monthly escrow payment. The Village of Oregon's mill rate, combined with the school district tax, means your annual tax bill can be substantial, directly affecting your debt-to-income ratio and overall home budget. A lender can help you estimate this precisely based on the home's assessed value.
What is the typical down payment needed for a home in Oregon's competitive market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Oregon successfully purchase with 3-5% down using conventional loans, especially with strong credit. Given the desirable school district and community, competition can be stiff, so a larger down payment can make your offer more attractive to sellers, but it's not always a strict requirement with the right loan program.
Are USDA rural development loans available for homes in Oregon, WI?
Most of the Village of Oregon itself does not qualify for USDA loans due to its population density and proximity to Madison. However, some properties in the surrounding, more rural areas of the Oregon *Township* may still be eligible. A lender can quickly determine a specific property's eligibility using the USDA's online mapping tool.
How does commuting to Madison affect mortgage lending considerations in Oregon?
Lenders view Oregon favorably due to its stable employment connection to the Madison metro area, which can support strong debt-to-income ratios. However, they will carefully scrutinize all monthly debts, including potential commuting costs. If you work in Madison, your consistent employment history in a robust job market is a positive factor in your mortgage application.
Why Choose a Mortgage Lender in Oregon?
Local Market Knowledge
Lenders who understand Oregon'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 Oregon and get competitive rates on your home loan.