Cream City Mortgage

About Cream City Mortgage

Cream City Mortgage positions itself as a comprehensive "One-Stop Shop" for home financing needs. They aim to alleviate the stress often associated with the mortgage process by guiding clients through financing options, loan products, and ensuring a timely closing. Their core philosophy is to handle the complexities of the mortgage process, allowing clients to focus on finding their dream home. They emphasize a personalized approach, recognizing that a one-size-fits-all solution does not apply to everyone's financial situation. Cream City Mortgage operates with a commitment to expertise and client support, striving to make homeownership accessible and manageable.

Why Choose Us

Cream City Mortgage distinguishes itself through its extensive range of loan products and its ability to cater to diverse client needs. They are a top Mortgage Brokerage, licensed to serve Wisconsin, Kansas, Indiana, Illinois, and Michigan. Their expertise spans conventional, FHA, VA, jumbo, and specialized loans like DSCR and bank statement loans. They also highlight partnerships with WHEDA for affordable housing options in Wisconsin. A key trust signal is their transparent fee structure, explicitly stating that brokers do not charge clients directly, and their commitment to finding the best financial solutions, even if it means waiving escrow fees without a 20% down payment.

Cream City Mortgage Offers

Cream City Mortgage provides a wide array of mortgage solutions tailored to various borrower profiles. This includes Conventional loans (conforming and non-conforming), Fixed-Rate mortgages, Adjustable-Rate Mortgages (ARMs), and Jumbo loans for high-value properties. They are adept at originating government-insured loans such as FHA loans, which accommodate lower credit scores and smaller down payments, and VA loans for veterans, offering no down payment and no mortgage insurance. Additionally, they offer specialized products like Debt Service Coverage Ratio (DSCR) loans for investors, Bank Statement loans for self-employed individuals, No Cash-to-Close refinances, and Pre-Underwritten loans for competitive offers. They also provide options like FHA Zero Down, Home Ready/Home Possible for first-time homebuyers, and Home Equity Lines of Credit (HELOCs).

Unique Advantages

Cream City Mortgage offers a unique advantage by acting as a mortgage broker, meaning they do not charge clients any fees. They provide specialized loan programs like DSCR and Bank Statement loans, catering to investors and self-employed individuals. Furthermore, they offer the flexibility to waive escrowing taxes and home insurance even without a 20% down payment, a significant differentiator from many lenders.