Looking for a Wisconsin mortgage lender that can help you serve more borrowers? AD Mortgage gives brokers and loan originators access to a broad range of programs and practical technology.
Wisconsin’s market remains competitive even as listing activity improves.
Buyers who face continued price growth may want to compare payment options early, account for property taxes and insurance before offering, and consider whether conventional, FHA, VA, jumbo, or eligible Non-QM financing better fits the full profile.
AD Mortgage supports broker-originated Wisconsin loans with a range of mortgage programs for various needs. Program availability and underwriting outcomes depend on the complete loan scenario and current guidelines.
AD Mortgage gives mortgage professionals more options to match borrowers with the right financing – from FHA loans for first-time homebuyers to Non-QM options for complex income profiles or investment properties.
An affordable financing option with standard requirements
Qualify homebuyers with limited down payment capabilities
A perfect fit for self-employed borrowers
Get 50 bps with all Rate Buydowns. Add flexibility with Lender-Paid or Seller-Paid options.
Choose from 1-0, 1-1, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary residences and 2nd homes on 30-Year Fixed Super Prime, Prime, and Fixed Conventional. 
Wisconsin has the 10th highest effective property tax rate on owner-occupied homes in Tax Foundation’s 2026 state comparison. Actual tax bills vary by location and property value.
Property taxes are determined locally and can vary widely by county, city, school district, and assessed home value. They may be collected through a monthly mortgage escrow account.
Wisconsin closing costs can include lender charges, appraisal, title services, prepaid taxes and insurance, escrow funding, and recording expenses. Wisconsin’s real estate transfer fee is generally $0.30 for each $100 of value, or fraction thereof. On transfers that are not exempt, the grantor pays the fee. Buyers may also have recording, title, or settlement expenses, depending on the transaction.
WHEDA helps eligible Wisconsin homebuyers access home financing and down payment assistance when paired with a WHEDA Advantage Conventional or FHA first mortgage. Available DPA programs include:
Disclaimer: Mortgage rates, program availability, property taxes, and closing costs are subject to program requirements and availability. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice
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READY TO CONNECT?
How Do Wisconsin Property Taxes Affect Monthly Mortgage Payments?
Wisconsin property taxes are set locally and can significantly impact the monthly payment when included in escrow. Taxes vary by parcel, municipality, and school district, and may change after reassessment or a sale.
What Credit Score is Required for a Mortgage in Wisconsin?
Credit score requirements vary by loan program, underwriting findings, and borrower profile. Some AD Mortgage FHA and VA options may accept eligible borrowers with FICO scores as low as 580, while Conventional and Non-QM requirements vary by program.
What are the FHA and Conventional Loan Limits in Wisconsin?
FHA and Conventional loan limits in Wisconsin vary by county and number of units and are updated annually. Use HUD’s FHA loan limit lookup and Fannie Mae’s Conventional loan limit tools for current limits by county.
What is the Difference between a Mortgage Broker and a Wholesale Mortgage Lender in Wisconsin?
A mortgage broker works with borrowers to identify and place suitable financing options, while a mortgage lender underwrites and funds the loan. Wholesale lenders work through mortgage professionals such as brokers, whereas banks and direct lenders typically originate loans directly with borrowers.
How Should I Compare Mortgage Lenders in Wisconsin?
When comparing lenders, ensure they are appropriately authorized to offer the applicable loan products. Additionally, check the rates, fees, program portfolio, and technology they offer.
How Can Brokers Check Current Wisconsin Mortgage Pricing?
Brokers can use AD Mortgage’s Quick Pricer or submit a loan scenario to receive tailored pricing. Quotes depend on credit, LTV, occupancy, property type, and program, and are time-sensitive based on market conditions.
How Do Wisconsin Brokers Start Working with AD Mortgage?
Wisconsin mortgage brokers can complete the Broker Package to start working with AD Mortgage, allowing them to focus on their customers while our team supports the lending process.
Can Wisconsin Borrowers Use WHEDA Down Payment Assistance?
Yes. Eligible Wisconsin homebuyers may use WHEDA down payment assistance programs, such as Easy Close Advantage DPA and Capital Access DPA, when paired with a participating WHEDA first mortgage.
Can Self-Employed Wisconsin Borrowers Qualify Using Bank Statements?
Yes. Eligible self-employed borrowers may qualify using personal, business, or combined bank statements rather than tax returns through AD Mortgage’s Bank Statement loan program.
Can Wisconsin Real Estate Investors Use DSCR Loans?
Yes. AD Mortgage offers Wisconsin real estate investors DSCR loan options that use qualifying property cash flow rather than traditional personal-income documentation.
Is AD Mortgage Licensed to Lend in Wisconsin?
Yes. A&D Mortgage LLC is registered with NMLS #958660 and holds a Wisconsin Mortgage Banker License #958660BA.
Does AD Mortgage Offer FHA Loans in Wisconsin?
Yes. AD Mortgage offers FHA loans coast to coast for eligible borrowers. Available programs include FHA Standard, FHA High Balance, and FHA Streamline Refinance, which may have more flexible credit score and down payment requirements than conventional loan programs.
Does AD Mortgage Offer VA Loans in Wisconsin?
Yes. AD Mortgage offers VA loan programs to eligible Wisconsin borrowers, including the VA Standard program that does not require a down payment and offers loan amounts up to $2 million.
Does AD Mortgage Serve Green Bay, Appleton, and Waupun?
AD Mortgage serves brokers and borrowers coast to coast, including Green Bay, Appleton, and Waupun. Partners across Wisconsin can access our full product set and 24/7 expert support.
Does AD Mortgage Work with Brokers in Milwaukee and Madison?
Yes. AD Mortgage supports brokers coast to coast. Complete the Broker Package to partner with the Top Wholesale Lender.
