Loan programs
Every option, in plain English.
Seven ways to finance a home in western Wisconsin. Each page explains who it’s for, what it costs, and the questions buyers actually ask — no jargon, no rate promises.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — huge swaths of western Wisconsin qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Wisconsin has real down payment help — WHEDA programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Kayla will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
Text Kayla what you’re thinking and she’ll narrow it to the one or two that actually fit.
💬 Text Kayla →Fairway Independent Mortgage Corporation is not affiliated with, or acting on behalf of or at the direction of, FHA, VA, USDA, HUD, or any other government agency. Down payment assistance is offered by WHEDA; income and purchase-price limits apply and eligibility is not guaranteed.
Not sure which program is yours?
One text and Kayla will narrow it down — with the payment for each option, so you’re choosing between real numbers.