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Looking for a mortgage lender in Spencer? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Spencer, WI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Wisconsin before hiring.
Showing 2 mortgage lenders in Spencer, WI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Josh Ludwig Sales Team Lead at Nations Lending - NMLS: 1600025
100 S Pacific St, Spencer, WI 54479
7153502300
Schultz Mortgage Team
100 S Pacific St, Spencer, WI 54479
6086045068
Spencer Wisconsin residents have access to mortgage lenders who understand local real estate and Wisconsin lending regulations. These professionals guide borrowers through conventional loans FHA loans and USDA loans which are popular in rural areas like Spencer. Wisconsin law requires lenders to provide a Good Faith Estimate within three days of a loan application.
What Does a Mortgage Lender in Spencer Cost?
Typical costs for a mortgage in Wisconsin include an origination fee of 0.5 to 1 percent of the loan amount appraisal fees of 400 to 700 dollars and title insurance of 500 to 1,000 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Spencer Wisconsin?
You typically need pay stubs W-2 forms tax returns bank statements and photo identification. Wisconsin lenders also require a signed authorization to check your credit report.
How long does the mortgage process take in Wisconsin?
The process usually takes 30 to 45 days from application to closing. Wisconsin law requires a three-day right of rescission for refinances on primary residences.
Are there special mortgage programs for first-time home buyers in Wisconsin?
Yes the Wisconsin Housing and Economic Development Authority offers down payment assistance and fixed-rate loans for first-time buyers. These programs have income and purchase price limits.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Wisconsin.