Local Mortgage Solutions for Every Stage of Home Ownership
From pre-qualification to closing, we make the home buying process easier to understand – with personalized support from a local team you can trust.
Understanding Your Home Buying Budget
Knowing what you can comfortably afford is one of the first steps in the home buying process. Our lenders can help you explore payment options, down payment assistance programs, and loan solutions to fit your goals.
HomeAccess
Helping low-income and very-low-income customers into homeownership.
✅ Better Pricing on a 30-Year Fixed Loan
✅ Affordable Down Payment Options
✅ Flexible Credit Requirements
Home Ready®*
The ideal HomeReady borrowers may be first-time or repeat homebuyers with:
✅Low income
✅Limited cash for a down payment
✅Supplemental boarder or rental income
HomePossible®*
Helping qualified borrowers overcome a barrier to homeownership:
✅Low down payment options
✅Robust features designed for the needs of today's borrowers
✅Housing options from single-family homes, manufactured homes, plus more.
With us, you’ll make less of a down payment, and you’ll receive the lowest possible mortgage insurance rates, too.
Mortgage Options Designed Around You
Adjustable-Rate Mortgage
Lower introductory rates with flexible financing options.
See today's ARM ratesFirst-Time Home Buyer Programs
Helpful resources and financing solutions for buyers entering the market.
Learn more
Your Home Buying Journey
Explore Downpayment Assistance Options
Programs may be available to help qualified buyers reduce upfront costs and make homeownership more accessible.
Why Homebuyers Choose FVSBank
Local mortgage experts
Personalized guidance
Competitive financing options
Decisions made locally
Support from application to close
Meet Our Lenders
Fond du Lac
Chris Dummer
Chris Dummer is passionate about helping customers find the right loan solutions to achieve their goals.
NMLS# 905854
Email Chris
920-907-8693
Specialties:
first-time homebuyers
home loans
refinance guidance
Justin Szatkowski
Justin Szatkowski is dedicated to helping customers identify the loan solution that best supports their financial goals.
NMLS# 488728
Email Justin
920-907-8697
Specialties:
first-time buyer support
mortgage solutions
refinance support
Oshkosh
Julie Spanbuer
Julie Spanbuaer enjoys helping buyers navigate the homebuying process by building a long term relationship.
NMLS# 488889
Email Julie
920-231-1165
Specialties:
first home journey
loans to fit your home goals
refinancing made simple
Waupun
Derek Drews
Derek Drews loves helping customers realize the dream of homeownership.
NMLS# 442239
Email Derek
920-324-5528
Specialties:
your path to owning your first home
personalized home loan options
offering smarter refinancing options
Mortgage FAQs
How much do I need for a down payment?
the amount you need depends on the type of loan and your financial situation. Some mortgage programs allow down payments as low as 3%-5%, while others may require more. We also offer guidance on down payment assistance programs that may help qualified buyers reduce upfront costs.
What credit score is needed for a mortgage?
Credit score requirements vary by loan program, but many conventional loans typically look for a score of 620 or higher. Some government-backed loans may allow lower scores. Even if your credit isn’t perfect, our lenders can help you understand your options and steps to improve your eligibility.
What's the difference between prequalification and preapproval?
Prequalification is an early estimate of how much you may be able to borrow based on basic financial information you provide.
Preapproval is a more detailed review of your income, assets, and credit history that gives you a stronger idea of your buying power and can help strengthen your offer when shopping for a home.
How much house can I afford?
Your affordability depends on factors like income, monthly debts, credit history, down payment, and interest rates. A lender can help review your finances and provide an estimate of a comfortable price range based on your goals and budget.
What loan options are available?
We offer a variety of mortgage options designed to fit different needs, including:
- Fixed-rate mortgages
- Adjustable-rate mortgages (ARMs)
- First-time homebuyer programs
- Construction loans
- Lot loans
- Downpayment assistance programs
Our team can help you compare optiona and choose the loan that firs your goals.
How long does the mortgage process take?
The mortgage process can vary depending on the loan type and documentation needed, but many home loans close within 30-45 days. Staying responsive with requested documents can help keep the process moving smoothly.
What costs should I expect at closing?
Closing costs may include:
- Loan origination fees
- Appraisal and credit report fees
- Title insurance
- Escrow setup costs
- Prepaid taxes and insurance
- Recording fees
We will provide a Loan Estimate outlining expected costs early in the process so there are fewer surprises at closing.
* Low or very-low-income borrowers have a total qualifying income that falls at or below 80% of the Area Median Income for the property’s location.
- Dodge County – $73,360
- Fond du Lac County – $76,560
- Winnebago County – $79,280
- Not limited to counties listed
Qualifying income based on the borrower household member, non-borrower household income would not be considered. Subject to underwriting guidelines.
*HomeReady/Possible:* Client will receive a 1 point (1.000) loan level price adjustment (LLPA) credit on HomeReady and Home Possible purchase loans locked on or after January 2, 2024. One point (1.000) is equal to 1% of the loan amount. Minimum credit amount will be $2,000. Maximum loan amount is $350,000. Offer is not available with any other discounts or promotions. Offer cannot be retroactively applied to previously closed loans or loans already in process; offer is not transferable. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply. This is not a commitment to lend.
USA PATRIOT Act Information Disclosure
Important Information about Application Procedures
To help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer.
What this means to you: When you apply for a loan, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.