NMHL Mortgage Lending
Mortgage Lender in Kenosha, WI
Local expertise and competitive rates for Kenosha homebuyers.
Kenosha, Wisconsin's housing market is experiencing steady growth, with a current median home price of $240,000. As a borrower in Kenosha, you're likely looking for mortgage options that fit your unique financial situation. At National Mortgage Home Loans (NMHL), we specialize in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers. Our local expertise and competitive rates make us the go-to lender in Kenosha.
With a population of nearly 100,000, Kenosha offers a diverse range of neighborhoods, from the historic downtown area to family-friendly suburbs like Brassie Park and Kemper Center. Our mortgage programs are designed to help you navigate the local real estate market with confidence. Whether you're looking to purchase a home in the Kenosha Unified School District or explore the city's revitalized waterfront, we're here to guide you every step of the way.
At NMHL, we understand that every borrower's situation is unique. That's why we offer a range of mortgage options, including FHA, VA, USDA, and conventional loans. Our experienced loan officers will work with you to find the best fit for your financial goals. Contact us today to start your mortgage journey and take advantage of our NMHL pre-approval process.
Kenosha Housing Market Overview
Explore mortgage options in Kenosha, WI with NMHL. Our local expertise helps you navigate the Kenosha real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Kenosha
Explore mortgage options tailored to Kenosha homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Exploring Kenosha's Neighborhoods
Kenosha's diverse neighborhoods offer something for everyone. From the vibrant downtown area to family-friendly suburbs, there's a neighborhood to suit your lifestyle. Some popular areas include:
- Brassie Park: Known for its parks and recreational facilities, Brassie Park is a great choice for families.
- Kemper Center: This historic neighborhood features beautiful architecture and is close to local amenities.
- Downtown Kenosha: The city's revitalized downtown area offers a mix of shops, restaurants, and entertainment options.
At NMHL, we're familiar with Kenosha's neighborhoods and can help you find the best mortgage options for your dream home.
Ready to start your homebuying journey? Contact NMHL for a free consultation and pre-approval.
First-Time Homebuyer Programs in Wisconsin
Wisconsin offers several programs to help first-time homebuyers achieve their goals. The Wisconsin Housing and Economic Development Authority (WHEDA) offers a range of initiatives, including down payment assistance and competitive interest rates. NMHL is an approved WHEDA lender and can help you navigate these programs.
Some key benefits of WHEDA programs include:
- Low down payment requirements: As low as 3.5% down.
- Competitive interest rates: Take advantage of lower rates and lower monthly payments.
- Down payment assistance: Receive up to 3.5% of the home's purchase price in assistance.
At NMHL, we'll work with you to determine which programs you're eligible for and guide you through the application process.
Don't miss out on these valuable programs. Contact NMHL today to explore your options.
Understanding Kenosha's Property Tax Landscape
As a homeowner in Kenosha, you'll need to factor property taxes into your mortgage planning. Kenosha County's average effective property tax rate is 1.73%, which is slightly higher than the statewide average. According to the Kenosha County Treasurer's office, the total property tax rate is comprised of various components, including county, municipal, and school district taxes.
At NMHL, we can help you understand how property taxes will impact your monthly mortgage payments. Our experienced loan officers will work with you to factor these costs into your mortgage planning and ensure you're prepared for the responsibilities of homeownership.
Get a clear picture of your property tax obligations. Contact NMHL for a personalized mortgage consultation.
NMHL's Mortgage Solutions for Kenosha Borrowers
At NMHL, we offer a range of mortgage programs tailored to Kenosha borrowers' unique needs. From FHA and VA loans to conventional and jumbo mortgages, we have the expertise to guide you through the process. Our loan officers are knowledgeable about local market conditions and can help you find the best mortgage solution for your financial situation.
Some key benefits of working with NMHL include:
- Competitive rates: We offer competitive interest rates to help you save on your mortgage.
- Personalized service: Our experienced loan officers will work closely with you to understand your needs and goals.
- Flexible underwriting: We're able to consider alternative credit profiles and income documentation.
Contact us today to explore your mortgage options and take the first step toward homeownership.
Ready to take the next step? Get pre-approved with NMHL today.
Frequently Asked Questions
The average effective property tax rate in Kenosha is 1.73%, which is slightly higher than the statewide average. Homeowners in Kenosha can expect to pay around $4,100 in annual property taxes on a median-valued home. NMHL can help you factor these costs into your mortgage planning.
Kenosha is served by the Kenosha Unified School District, which includes several highly-rated schools. Homes located within top-performing school districts tend to retain their value and attract potential buyers. According to local real estate data, homes in Kenosha's top school districts sell for up to 15% more than comparable homes in other areas.
Wisconsin offers several down payment assistance programs, including the Wisconsin Housing and Economic Development Authority (WHEDA) Down Payment Assistance Program. This program provides up to 3.5% of the home's purchase price in down payment assistance. NMHL can help you explore these options and determine which programs you're eligible for.
While traditional mortgage lenders may have strict credit score requirements, NMHL offers alternative options for borrowers with less-than-perfect credit. Our bad credit mortgage programs can help you qualify for a mortgage with credit scores as low as 580. Contact us to discuss your options and get pre-approved.
As a self-employed borrower, you may face unique challenges when applying for a mortgage. NMHL offers specialized loan programs that take into account your business income and expenses. Our experienced loan officers will work with you to gather the necessary documentation and find the best mortgage solution for your situation.
Yes, NMHL offers VA loans, which provide favorable terms and benefits for eligible veterans. With a VA loan, you may be able to purchase a home with no down payment, lower interest rates, and lower mortgage insurance premiums. Our loan officers are certified VA loan specialists and can guide you through the process.
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Ready to Buy in Kenosha?
Let NMHL help you navigate the Kenosha housing market with expert guidance and competitive rates.