NMHL Mortgage Lending
Mortgage Lender in Oshkosh, WI
Local expertise and competitive rates for Oshkosh homebuyers.
Oshkosh Housing Market Overview
Explore mortgage options in Oshkosh, WI with NMHL. Our local expertise helps you navigate the Oshkosh 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 Oshkosh
Explore mortgage options tailored to Oshkosh 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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Understanding Oshkosh's Housing Market
Oshkosh's housing market is experiencing steady growth, driven by its strong economy and desirable quality of life. The city's median home price is $184,000, with a range of housing options available to suit different budgets and preferences.
When buying or refinancing a home in Oshkosh, it's essential to understand the local market conditions and how they may impact your mortgage decision.
Stay informed about Oshkosh's housing market trends with NMHL's local market updates and expert analysis.
Exploring Oshkosh Neighborhoods
Oshkosh is home to a diverse range of neighborhoods, each with its own unique character and charm. Some popular areas include:
- The historic downtown area, with its boutique shops and restaurants
- Oakwood, a family-friendly neighborhood with excellent schools
- Surrounding suburban communities, offering a more laid-back pace of life
Whether you're a first-time homebuyer or an experienced homeowner, Oshkosh has a neighborhood to suit your needs and lifestyle.
NMHL's local expertise can help you navigate Oshkosh's neighborhoods and find the perfect home for you.
Mortgage Options for Oshkosh Borrowers
At NMHL, we offer a range of mortgage programs designed to meet the unique needs of Oshkosh borrowers. Our options include:
- FHA loans, ideal for first-time homebuyers or those with lower credit scores
- VA loans, available to eligible veterans and service members
- Conventional loans, offering competitive interest rates and terms
- Jumbo loans, for larger mortgage amounts
Our mortgage experts will work with you to determine the best mortgage solution for your situation.
Contact NMHL today to explore your mortgage options and get pre-approved for your Oshkosh home loan.
Down Payment Assistance in Oshkosh
Down payment assistance programs can be a valuable resource for Oshkosh homebuyers, helping to reduce the upfront costs of purchasing a home. Wisconsin offers several down payment assistance programs, including the WHEDA Down Payment Assistance program.
NMHL can help you explore these options and determine the best fit for your situation.
Don't let down payment costs hold you back from achieving your homeownership goals. Contact NMHL to learn more about down payment assistance programs in Oshkosh.
Frequently Asked Questions
The average effective property tax rate in Oshkosh is 1.69%, with a median annual property tax bill of $2,400. This is an important consideration when determining your overall housing costs and mortgage affordability.
Oshkosh is served by the Oshkosh Area School District, which is known for its strong educational programs. Homes within top-rated school districts like Oshkosh tend to retain their value and attract potential buyers, making them a valuable consideration for homeowners.
Wisconsin offers several first-time homebuyer programs, including the Wisconsin Housing and Economic Development Authority (WHEDA) Advantage program, which provides competitive interest rates and down payment assistance. NMHL can help you explore these options and determine the best fit for your situation.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our Bad Credit Mortgage program can help you get pre-approved with credit scores as low as 580. Contact us to discuss your options and create a personalized plan.
Oshkosh boasts a range of desirable neighborhoods, including the historic downtown area, Oakwood, and surrounding suburban communities. Each neighborhood offers its own unique character and amenities, making Oshkosh a great place to find your dream home.
Getting started with NMHL is easy. Simply contact us to schedule a consultation, and we'll guide you through the pre-approval process. Our online application is also available for your convenience, allowing you to get pre-approved from the comfort of your own home.
Related Resources
Ready to Buy in Oshkosh?
Let NMHL help you navigate the Oshkosh housing market with expert guidance and competitive rates.