Non-Conforming Mortgage Loans in Wisconsin and Minnesota

At Citizens State Bank, we believe that every property has a story—and we’re here to help make yours a reality. Not all properties fit into the mold of traditional financing options. That’s where a non-conforming property loan steps in, offering custom solutions for distinctive real estate needs. Whether you’re dreaming of a historic home , a hunting cabin, or a multi-unit property, we’ve got you covered with creative and flexible financing options.

If traditional lenders have left you with more questions than answers, our team is ready to help. As your reliable mortgage lender for non-conforming property loans in Wisconsin and Minnesota , we are dedicated to ensuring the process is straightforward, clear, and customized to meet your needs.

Non-conforming property loans are designed for borrowers who want to purchase or refinance properties that fall outside the standard lending criteria. These loans offer the flexibility to address unique properties and situations, providing a lifeline for buyers who don’t meet conventional loan requirements.
At Citizens State Bank, we understand that life doesn’t always fit into a box. Our expertise as a mortgage lender for non-conforming property loans allows us to take a broader, more personalized view of your needs and find the right financing solution for you.
Why Choose Non-Conforming Property Loans?

• Flexible Lending Terms: Tailored to accommodate unique property characteristics that don’t meet traditional guidelines.
•  Expanded Opportunities: Enables the purchase of homes and buildings that may otherwise be considered outside standard loan requirements.
• Simplified Process: Our experienced team ensures we’ll guide you through the complexities so you can focus on your goals.

Properties are often one-of-a-kind, and we’re committed to matching them with one-of-a-kind lending solutions that empower Wisconsin and Minnesota residents to pursue their real estate dreams.

Non-conforming property loans are ideal for those who want to finance unconventional or distinct properties. Citizens State Bank specializes in turning these unique situations into successful outcomes.

• Multi-Unit or Mixed-Use Properties: Whether you’re purchasing a duplex, a hunting cabin,  or a building with both residential and commercial space, we can help.
• Historic or Unique Home Designs: Log cabins, historic homes, or other distinct architectural styles are eligible for custom financing options.
• Large or Rural Properties: Properties with significant acreage or those located in less conventional areas of Wisconsin can easily qualify.
• Commercial-Residential Hybrids: Do you own a property that generates income alongside your living space? We have options for that, too.
• Other Distinctive Real Estate: From luxury homes to unique structures, we have the solutions to help fund your vision.

Non-conforming property loans offer greater flexibility than traditional options, but eligibility remains an important part of the process. The good news is we’ll walk you through every step to ensure all requirements are clear and approachable.
While eligibility will depend on your individual circumstances and the property itself, here are some common factors we consider at Citizens State Bank:
•    Loan-to-Value (LTV) Ratios
•    Income and Debt Information (alternative documentation may be permissible in some cases)
•    Property Value and Appraisal Details
•    Creditworthiness

We understand that non-conforming loans often require a tailored approach, and we’re proud to leverage our Wisconsin and Minnesota roots to provide a local perspective while keeping your needs front and center.

Applying for a loan shouldn’t feel like a complex puzzle. At Citizens State Bank, we’ve streamlined the process for non-conforming property loans, ensuring you get the support you need without unnecessary stress.

Step 1: Speak With an Expert
Schedule a consultation with one of our mortgage lenders for non-conforming property loans. Whether you prefer to visit a local office or connect remotely, our team will take the time to understand your goals and property.
Step 2: Discuss Your Goals
We’ll review your financial situation and the details of the property you’re interested in. Working together, we’ll identify the non-conforming property loan option best suited to your needs.
Step 3: Submit Key Documents
We’ll guide you through the paperwork, ensuring you know which documents (such as property appraisals or alternative income proof) are required based on your unique scenario.
Step 4: Loan Approval and Closing
Thanks to our local decision-making process, you’ll experience timely updates and clear communication. Once approved, you’ll complete the closing process and officially move forward with your property plans. From start to finish, our team is here to make the process smooth, collaborative, and hassle-free.

• Expert Guidance: Post-loan assistance is always available. Have a question about your loan terms? We’re only a call away.
• Planning Tools: Access our calculators, interest guides, or financial articles to help you make smart, informed decisions.
• Community-Focused Service: We’re part of the fabric of Wisconsin and Minnesota and proud to serve residents with a personalized, supportive approach.

Your success is our success, and we’re always here when you need us.

 

No property is too unique for Citizens State Bank. Our non-conforming property loans open the door to opportunities that might otherwise seem out of reach. Whether you’re buying a rural home, investing in a multi-unit property, or finding the perfect historic gem, we’re excited to be your trusted mortgage lender for non-conforming property loans.

Reach out to us today at 715-386-9050 to discuss your financing needs. With offices across Wisconsin and Minnesota and team members who care, we’re here to make your real estate goals a reality. Contact us or visit your nearest Citizens State Bank Office to get started!