The Best Mortgage Lenders in Oshkosh, WI
Compare verified mortgage lenders serving Oshkosh, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Oshkosh
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender with a strong local presence in the Fox Cities area, serving Oshkosh residents with exceptional customer service and competitive rates. Founded in 1996, they have over 28 years of experience and are renowned for their efficient loan processing, personalized approach, and expertise in various mortgage products. Their high ratings and numerous positive reviews highlight their reliability and commitment to helping homebuyers achieve their goals in the Oshkosh market.
Loan Types:
Guaranteed Rate
Guaranteed Rate
Guaranteed Rate is a highly reputable national mortgage lender with a significant presence in Wisconsin, offering services to Oshkosh through local offices and online platforms. Founded in 2000, they bring 24 years of experience and are praised for their innovative digital tools, competitive rates, and responsive customer support. Their strong review scores and wide range of loan options make them a trusted choice for borrowers seeking efficient and transparent mortgage solutions in the region.
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New American Funding
New American Funding
New American Funding is a well-established lender known for its diverse loan products and community-focused approach, serving Oshkosh and surrounding areas with over 21 years of experience. Founded in 2003, they have built a strong reputation for competitive rates, personalized service, and inclusivity, including programs for first-time homebuyers and underserved communities. Their high customer satisfaction ratings and commitment to education and support make them a reliable option for mortgage needs in Wisconsin.
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Frequently Asked Questions
Common questions about mortgage lending in Oshkosh, WI
Are there any first-time homebuyer programs specific to Oshkosh or Winnebago County that can help with down payment or closing costs?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers statewide programs, but Oshkosh homebuyers can also access the **WHEDA Capital Access Program**, which provides down payment assistance. Additionally, local lenders often partner with community programs that may offer grants or low-interest loans for closing costs, especially for buyers in targeted neighborhoods or meeting certain income criteria.
How do property taxes in Oshkosh, WI, impact my mortgage payment and affordability?
Oshkosh and Winnebago County have property tax rates that are generally competitive within Wisconsin but are a significant factor in your monthly payment. Your lender will calculate an escrow payment for taxes into your monthly mortgage, and it's wise to budget for this. The exact mill rate can vary, so reviewing the tax history of any property you consider is crucial for an accurate total monthly cost.
What is the typical timeline for mortgage approval and closing on a home in Oshkosh's current market?
In Oshkosh's competitive but steady market, a typical mortgage approval (from application to clear-to-close) takes 30-45 days. To be competitive with an offer, getting pre-approved before you start looking is highly recommended. The local title and closing process is generally efficient, but working with a lender familiar with Wisconsin's real estate laws and local title companies can help ensure a smooth, timely closing.
Are USDA Rural Development loans a viable option for homes in Oshkosh, WI?
While much of the city of Oshkosh itself is not eligible for USDA loans due to its population size, many of the surrounding areas in Winnebago County **are** eligible. If you are looking at properties just outside the city limits, a USDA loan (which offers 100% financing) could be an excellent, cost-effective option. A local mortgage officer can quickly map a specific property's eligibility.
How do local lenders in Oshkosh compare to big national banks for getting a mortgage?
Local Oshkosh lenders and credit unions often have a strong advantage in understanding the specific appraisal values in different city neighborhoods and the nuances of the local market. They may offer more personalized service and potentially more flexibility with community-focused programs. It's always wise to get quotes from both local and national institutions to compare rates, fees, and service levels.
Nearby Cities
Explore mortgage lenders in cities near Oshkosh, WI
Why Choose a Mortgage Lender in Oshkosh?
Local Market Knowledge
Lenders who understand Oshkosh'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 Oshkosh and get competitive rates on your home loan.