Brandon Carus Loan Officer NMLS #1132262

About Cream City Mortgage

Cream City Mortgage is a mortgage brokerage that aims to simplify the homeownership process. They guide clients through financing, loan products, and closing, positioning themselves as a one-stop shop for home financing needs. The company emphasizes a creative approach to meet diverse client needs, operating in Wisconsin, Kansas, Indiana, Illinois, and Michigan. They strive to make the journey to homeownership stress-free and efficient, allowing clients to focus on finding their dream home while they handle the financing complexities.

Why Choose Us

Cream City Mortgage is recognized as a top mortgage brokerage, dedicated to understanding and fulfilling the unique needs of each client. They offer a wide array of loan products, including conventional, FHA, VA, jumbo, WHEDA, DSCR, and bank statement loans, ensuring a suitable option for various financial situations and borrower profiles. Their commitment to client success is evident in their personalized service and expertise in navigating the mortgage landscape, aiming to provide the best possible financing solutions.

Cream City Mortgage Offers

Cream City Mortgage provides a comprehensive suite of loan products tailored to diverse homebuyer needs. This includes conventional loans with flexible down payment options, fixed-rate and adjustable-rate mortgages (ARMs), and jumbo loans for higher-value properties. They also specialize in government-insured loans like FHA and VA loans, which offer benefits such as lower credit score requirements and no down payment options for eligible veterans. Additionally, they offer specialized programs like WHEDA for Wisconsin residents, DSCR loans for investors, and bank statement loans for self-employed individuals. Other offerings include no cash-to-close refinances, pre-underwritten loans, FHA Zero Down, Home Ready/Home Possible programs, and HELOCs.

Unique Advantages

Cream City Mortgage distinguishes itself by offering a broker-centric model where clients never pay them directly, as lenders compensate their services. They also highlight their ability to waive escrow requirements even with less than 20% down payment, a feature not commonly found with other lenders. Furthermore, they emphasize their speed, capable of closing loans in as little as 10 days when necessary, and their expertise in creative financing solutions for various borrower types.