Adam Zeman | Call or Text Today (414) 975-2654
FHA Loans in Wisconsin  -  Low Down Payments, Simple Approval

FHA Loans in Wisconsin - Low Down Payments, Simple Approval

Get a free quote on an FHA loan and discover how affordable homeownership can be with Union Home Mortgage.

I Want My FREE FHA Loan Quote!

The Lowdown on FHA Loans...

If you’re a first-time homebuyer or have less-than-perfect credit, an FHA loan can be an excellent path to homeownership.

Backed by the Federal Housing Administration, FHA loans offer flexible qualification requirements and lower down payments, making them ideal for buyers across Waukesha, Milwaukee, Brookfield, Oak Creek, and surrounding areas.

Top Benefits of FHA Loans

Here are the biggest reasons Wisconsin homebuyers choose FHA financing:

  • Low Down Payment: Only 3.5% down with a 580+ credit score, or 10% down with scores as low as 500.
  • Flexible Approval: Works with blemished credit, limited savings, or past financial challenges.
  • Competitive Interest Rates: Often lower than many conventional mortgage options in Wisconsin.
  • Higher Debt-to-Income Ratios: Easier for borrowers with existing obligations to qualify.
  • Gift Funds Allowed: Down payment and closing costs can come from family or approved sources.
  • Works With Down Payment Assistance: Eligible with local Wisconsin grant programs to help cover upfront costs.
Our FHA are Low & Our Process is Quick & Painless
FHA L O A N S

FHA Loan Limits in Wisconsin

Loan limits vary by county and adjust each year based on local home prices. Most areas - including Milwaukee and Waukesha - fall within moderate, affordable ranges that make FHA loans a strong fit for Wisconsin homebuyers.

Already own a home? Ask about FHA Streamline Refinances and FHA Cash-Out Refinances - simple ways to lower your rate, reduce your term, or tap your home's equity with minimal paperwork.

Getting Started Is Simple
  1. Get Pre-Approved: Quick, no-obligation qualification with minimal paperwork.
  2. Compare Options: My team will show you the most cost-effective FHA programs and grant options available.
  3. Apply & Close: We'll guide you every step of the way - from approval to handing over the keys.
Need Help with Your Down Payment?
Buying a home doesn't have to feel out of reach. With Union Home Mortgage's Home Start Program, qualified Wisconsin buyers can get down payment and closing cost assistance that makes purchasing a home with an FHA loan even more affordable.
The Home Start Program is designed to help more families and first-time buyers bridge the gap between savings and homeownership - often covering a portion of the required funds to close.
Ask my team and me how this program could help you buy sooner and keep more cash in your pocket.

 

📞 Ready to Get Started?
Call or text (414) 975-2654 or email azeman@uhm.com to talk about your goals.
Or skip the line - Start Your FHA Application Online now and get pre-approved in minutes.
Why an FHA Loan?

Why an FHA Loan?

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can't get approved for private mortgage insurance should look into FHA loans.

Fha Loan Qualifier
Why an FHA Loan?