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We offer the following government loans to assist qualifying homebuyers:

FHA Loans

Federal Housing Administration (FHA) loans are federally insured, which may require a smaller down payment and may offer a lower interest rate than a comparable conventional loan. This might be the right loan for you if you are a first-time homebuyer or if you have limited cash for a down payment and closing costs.

  • Down payments as low as 3.5%
  • Fixed or adjustable interest rate
  • Flexible terms 
  • Requires FHA mortgage insurance

Learn more about FHA loans. 

VA Loans

If you have been a member of the U.S. Military, you may qualify for a VA loan to help you purchase a primary residence. VA loans are federally guaranteed, which can make home buying more affordable with a fixed interest rate and payment, no monthly mortgage insurance to pay, and in some cases, no down payment requirement. 

  • Up to 100% financing for eligible military personnel
  • Fixed/level payment of principal and interest for the life of the loan
  • Balloon payment options not available
  • Flexible terms 
  • Monthly mortgage insurance not required 

Learn more about VA loans.


WHEDA is the Wisconsin Housing and Economic Development Authority. The WHEDA home mortgage program provides low down payment owner-occupied purchase financing for low to moderate income Wisconsin residents.

  • WHEDA Conventional Preferred Mortgage is a low down payment loan that does not require Private Mortgage Insurance (PMI).
  • WHEDA Easy Close Advantage Loan is a second mortgage loan used toward down payment and closing cost on WHEDA financed home purchase.
  • WHEDA Valor Program for Veterans offers a reduced interest rate mortgage loans for qualified veterans.
  • WHEDA Home Improvement Loan is available to low- and moderate-income Wisconsin homeowners. Loans of up to $15,000 available. 

Learn more about WHEDA loans.

Tri City offer many low-down payment loans, in some cases 3% or less, using WHEDA or Home Possible Loans. Some financing options include down payment assistance or affordable second mortgages to lower your down payment. Contact one of our experienced Mortgage Loan Officers for more information.

Meet Our Lenders 

Put Your Home to Work for You

If you are 62 years of age or better, you may be considering a reverse mortgage to add to your retirement income, eliminate debt payments, pay medical expenses, and make home improvements or more. A reverse mortgage is a loan secured by your primary residence that lets you eliminate debt payments and /or receive payments — either over time or all at once — based on the value of your home.

The Federal Housing Administration’s Home Equity Conversion Mortgage (HECM) program lets you convert a portion of the equity in your home into cash. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer live in their home.

Let’s dispel a few myths about reverse mortgages and how they impact you:

Myth Truth
Lender owns the home. You continue to own your home.
At some time, you will lose your home. Simply not true.
Lender can force you to move. Not if you continue to live in the home as your primary residence, pay the property taxes, insurance and keep the property maintained.
You can outlive the equity. Payment options are available that will provide a monthly payment as long as you live in the house. (No matter how long you live).
You must own the home with no existing liens. You must have equity available in your home; any existing liens will be paid off as part of the reverse mortgage process.
Difficult to undo. You can prepay at any time without penalty.
You’ll owe more than the value of your home. The loan balance that is required to be repaid is limited to the home value at the time of sale HUD ML 2008-38 (Government insured).

View our FAQ to learn more.