Capital Home Mortgage Wisconsin

Wisconsin Home Loans

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Wisconsin Mortgage Lender

Home Loans in Wisconsin

Welcome to Capital Home Mortgage Wisconsin, where we strive to provide Wisconsin Home Loans to Wisconsin homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Wisconsin offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Wisconsin, as a direct Wisconsin Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Wisconsin is a full-service Wisconsin Mortgage Lender that offers a wide range of mortgage products as well as competitive Wisconsin. Mortgage Rates.  Whether you are a first-time purchaser seeking an Wisconsin FHA Home Loan, looking for a rural property and needing a Wisconsin USDA Home Loan, a Native Wisconsinite wanting to use the HUD 184 Wisconsin Native American Home Loan, an active or retired veteran in need of an Wisconsin VA Home Loan, or a seasoned buyer in need of an Wisconsin Conventional Home Loan, we are here to assist.

Call today (262) 510-2300 to talk to one of our Wisconsin Loan Officers.

Wisconsin, is located in the north-central region of the United States.  Madison resides as capital, but Milwaukee is the largest city, with other major cities including Green Bay, Kenosha, Racine, Appleton, and Waukesha.

Known for its diverse geography, Wisconsin, including forests, farmland, and is surrounded on 3 side by bodies of water.  Lake Superior to the north, Lake Michigan to the east, and the Mississippi River to the west.  The state has a varied climate with cold winters and warm summers.

Historically, Wisconsin has been associated with agriculture, particularly dairy farming.  The state is a major producer of cheese and other dairy products.

Manufacturing is also a significant part of the economy, with industries such as machinery, paper products, and food processing.

Wisconsin has several prominent universities, including the University of Wisconsin.

Wisconsin offers outdoor recreational activities, including boating, fishing, and hiking. The state has many lakes, parks, and natural reserves.  The Green Bay Packers, an iconic NFL team, have a large and passionate fan base in the state.

Wisconsin has a rich Native American history, with various tribes residing in the region.  European explorers and fur traders were among the first Europeans to arrive in the area.  Wisconsin became a U.S. territory in 1836 and later gained statehood in 1848.

Wisconsin generally experiences a stable housing market with factors such as job growth, interest rates, and economic conditions influencing market trends.  Larger cities like Milwaukee and Madison may have more dynamic and competitive real estate markets compared to rural areas.

Home prices in Wisconsin vary by location with Urban areas tending to have higher median home prices than rural or suburban areas.  Wisconsin is often considered more affordable than some other states in the U.S.  The cost of living, including housing costs, tends to be lower than the national average.  Affordability can vary within the state, with rural areas generally being more affordable than urban centers.

Thank you again for your interest in Capital Home Mortgage Wisconsin and we look forward to providing your new mortgage.

Wisconsin Home Loans

Wisconsin Conventional Home Loans

A Wisconsin Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Wisconsin FHA Home Loans

Wisconsin FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Wisconsin FHA home loan is consistent employment history and documented income.

Wisconsin VA Home Loans

Wisconsin VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Wisconsin.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Wisconsin USDA Home Loans

Wisconsin USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Wisconsin Jumbo Home Loans

A Wisconsin Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Wisconsin Non QM Home Loans

Wisconsin Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Wisconsin Native american Home Loans

A Wisconsin Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Wisconsin Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Wisconsin One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Wisconsin One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Wisconsin HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Wisconsin Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Wisconsin Home Mortgage Programs

Wisconsin Home Purchase loans

Looking to Purchase a Wisconsin Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Wisconsin Renovation Home Loans

Looking to Rehab a Wisconsin Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Wisconsin FHA Home loans

Great 1st Time Wisconsin Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Wisconsin va Home Loans

100% Financing for Wisconsin Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Wisconsin Conventional Home loans

Flexibility for Wisconsin Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Wisconsin Jumbo Home Loans

Wisconsin Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Wisconsin USDA Home loans

100% Wisconsin Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Wisconsin Native american Home Loans

Wisconsin Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Wisconsin Manufactured Home loans

Great Wisconsin Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Wisconsin Reverse Mortgage Loans

Your Wisconsin Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Wisconsin Non QM Home loans

Making Wisconsin Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Wisconsin One Time Close Home Loans

Build Your Wisconsin Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Wisconsin Refinance Mortgage loans

Wisconsin Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Wisconsin Cashout Mortgage Loans

Wisconsin Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Wisconsin Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Wisconsin Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

Jordan Mowrey

SR Loan Officer
NMLS 210325

Wisconsin Mortgage Company Reviews

Wisconsin Cities

Milwaukee Home Loans

Madison Home Loans

Green Bay Home Loans

Kenosha Home Loans

Racine Home Loans

Appleton Home Loans

State Specific Mortgage Information
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