We offer a wide range of mortgage solutions including conventional loans, FHA, VA, jumbo loans, and refinancing options. Whether you’re a first-time buyer or upgrading, we'll help you find the right fit.
FAQ
Frequently Asked Questions
Yes. While we’re based in Wauwatosa, we serve clients throughout Wisconsin. Remote consultations are available via phone or video.
Getting pre-approved is simple. Just schedule a consultation, and we'll walk you through income verification, credit review, and loan options - so you know exactly what you can afford before you shop.
Rates change daily based on market conditions and your credit profile. Contact us for a personalized rate quote and to explore locking in today's best options.
As a local broker, we offer personalized service, faster turnaround times, and access to multiple lenders - giving you more flexibility and better chances of approval.
To qualify for a mortgage, lenders typically look at factors such as your credit score, income, employment history, debt-to-income ratio (DTI), and down payment. The exact requirements vary depending on the loan type and lender
The down payment requirement for home loans depends on the loan program. Conventional loans usually require 3-20%, FHA loans require as little as 3.5%, VA loans, USDA loans may offer zero down payment options for eligible Michigan borrowers. We offer options starting at just 3% down. Plus, with our Union Home Mortgage HomeStart program, qualified buyers can even get zero-down financing. We'll help you find the best fit!
A fixed-rate mortgage has a constant interest rate and monthly payments for the entire loan term, providing stability. An adjustable-rate mortgage (ARM) has a lower initial rate but can change periodically, based on market conditions.
Your credit score impacts your loan eligibility, interest rate, and terms. Higher credit scores generally qualify for lower interest rates, while lower scores may require higher down payments or result in higher interest rates. Interest rates act like a sliding scale, the more money towards the rate the lower it typically is.
Closing costs are fees associated with finalizing your mortgage, including appraisal, title insurance, lender fees, and more. Wisconsin homebuyers closing costs typically range from 2% to 5% of the home's purchase price.
Most of our Michigan borrowers receive same-day pre-approvals, often within just a few hours. We make the process fast and simple. Clients with variable,overtime,bonus or self employed income get their income underwritten upfront. There is no guessing with our pre-approvals. Clients can easily connect their income and assets to our application, making the process of gathering documents easy and streamlined.
As your local mortgage expert, we offer personalized service, faster responses, and a deep understanding of Wisconsin's market. We make the homebuying process smooth and stress-free with our team approach to all Wisconsin homebuyers. Get pre-approved today.