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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 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!)



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?


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