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Wisconsin Home Mortgage Lending

Damaged Credit Solved

Sometimes even despite your very best efforts, things go wrong… In this line of work, I see it everyday, and I’ve heard every story and experience imaginable about… [Learn More]

First Time Home Buyers

Buying a house for the first time comes with its own unique challenges. You might only be a few years into your career; still paying off student loans; and probably won’t have as… [Learn More]

Refinancing

Refinancing is basically replacing your current mortgage with a shiny new loan – One with a lower-interest and/or term hopefully. Your new lender takes over your… [Learn More]

The Best Loan Officer in Wisconsin? Keep Reading, and You Be The Judge!

Ritchie Baumann No Background

Ritchie Baumann, NMLS# 957614

Have you noticed that most mortgage sites seem to blend together these days? Really, How can you tell the difference between a great loan officer who will communicate well, answer all your questions, recommend loans that are actually in your best interest  – And do all this while having the expertise to get your loan closed without incident – Vs. a self-serving lender who will say practically anything just to get you signing on the dotted line?

Is there a realistic way to tell one from the other? A fair question, as this is one of the largest investments you’ll ever make. You have a right to a smooth, and predictable experience instead of the usual horror stories you hear about too often.

So, have I piqued your curiosity? I sure hope so, because there is a way to tell the difference, and I’m going to show you right now. Simply click this link and get the answer:  Click Here To See The Answer

A Personal Message From Me

 

The Best Mortgage Shopping Advice In The World…

(Ok, so that’s quite a claim! But in my opinion, it’s pretty darn important!)

THEME SONG

 

Be Careful!!!

It may just stick in your head forever!

Does This Sound Like You?

When buying a home in Wisconsin or refinancing an existing loan, most borrowers have a few concerns running through their brains that are hard to shake:

How much home will I qualify for?
What will my monthly payments be?
What interest rate will I qualify for?
How much money will I need for down-payment?
Is my credit good enough to buy a home/get a loan?

It’s only natural to have these types of questions, after all, who wants to waste their time or get their hopes up if getting an approval is simply not realistic?

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While the above questions and concerns are by far the most common I run across,  there are some others that are pretty common as well:

Is there really such a thing as no-down-payment mortgages?
I heard I need to get a fixed rate mortgage only, is this good advice?
What exactly is an FHA mortgage, and is it really better for first-time buyers?
How can I avoid last minute changes to the loan I was quoted?
What’s the difference between a mortgage broker and a banker?

Again, all fantastic questions that I am extremely happy to answer for you. In fact, I’m looking forward to it! My specialty is getting answers to your most pressing, head-ache inducing questions and concerns, and presenting them in such a way that you understand exactly which loans will best meet your needs and why. So how about it? Would you be open to chatting with me 1 on 1 to start getting you the answers you need?

Call me at 262-754-3331 or 608-227-2005