Badgerland Financial can help you find the mortgage that suits your needs.

Rural America does not only refer to farmers and agricultural producers. It includes anyone who is living, or dreams of living, in the country. You can trust Badgerland Financial as your rural lending specialist. We make it easy by offering free pre-approvals, so you will know what you can afford even before you start looking.

Local Service

Your mortgage application is originated and processed by local Badgerland Financial specialists. That means you will receive more effective, complete communications throughout the entire process from application to closing.

Competitive Rates & Terms

Your loan will be priced using special market investor rates, so the fixed rates are typically among the lowest available. Not only that, you have the option to lock your rate at the time of application to eliminate the risk of rising rates.

Interest Rate Options:

• Fixed Rate Loans
• Adjustable Rate Mortgages
• Balloon Loans
• Also ask about other special programs we offer and loans for home sites, construction and acreage

Home Loan Options:

• Can loan up to 85% of property's appraised value while offering local processing and service after the loan is closed on homes with acreage
• Can loan up to 95% of the property's appraised value on a refinance or 95% of the purchase price on a new home purchase with local processing
• Adjustable and long term fixed rate mortgages
• Competitive rates and minimal fees
• Convertibility to other rates and terms after one year with a small cost recovery conversion charge

Buying a property is a big decision. Badgerland Financial understands. What do I need to think about when applying for any secondary market loan? Here is a list of tools to help with your secondary market needs.

• Uniform Residential Loan Application
• Wisconsin Residential Offer to Purchase
• Counter Offer
• Property Condition Report
• Loan Request Items for Application

Badgerland Financial considers customers hobby or part-time farmers if they:

• Are a W-2 wage earner or self-employed
• Generally produce some sort of agricultural product; from raising livestock to crop farming and everything in between
• Have their real estate enrolled in a government program - or - own agricultural real estate, but rent it out to someone for pasture or crop use

Why should a hobby/part-time farmer choose Badgerland Financial for their loan?

• These customers typically need flexible terms to match their off-farm employment income
• Our loan officers can tailor Badgerland Financial’s loan products to match their individual needs

Badgerland Financial offers different options for hobby/part-time farms:

• Home loans that are not eligible for the traditional home mortgage
• If the customer produces or has the potential to produce farm income- Badgerland Financial can lend to them for any of their family needs

For more information on Country Living Home Loans, contact Badgerland Financial today.