GSF Mortgage offers many types of home loans.  Answer a couple questions to determine what loan program is right for you.  

How much money do you have available for a down-payment?

What is the goal of your refinance?


USDA Rural Development | Wisconsin Home Loan | GSF Mortgage

The USDA offers zero-down 100% financing mortgage home loans for rural areas in Wisconsin.

About the Wisconsin USDA Rural Development mortgage

There are few zero-down mortgage home loans left and the rate at which people are pushing for it is very high.  USDA loans are available to qualified borrowers, through the Rural Housing Division of the US Department of Agriculture.

Click "Apply Online Today" to get in contact with a Wisconsin USDA Rural Development expert!


Features of the USDA Rural Development Loan program

Features of USDA Rural Development include:

  • 100% Financing - No Down Payment Required
  • Excellent Credit Not Required
  • Low Fixed Rates
  • Purchase or Refinance
  • No Prepayment Penalties
  • No Cash Reserves Required
  • Low monthly mortgage insurance
  • Home Must Be Your Primary Residence
  • 100% loan to value refinance with no appraisal needed

Eligible areas for USDA Rural Development

The USDA no-money-down 100% loan financing covers the rural areas of Wisconsin only. These areas include:

  • Freedom
  • Black Creek
  • Hortonville
  • Winneconne
  • Omro
  • Sherwood
  • Brillion
  • Chilton
  • Hilbert
  • Many other small towns in Wisconsin. 

Follow the link below to see if your area is USDA approved:

Eligibility Area

To get more information on a Wisconsin USDA Rural Development Home Loan click "Apply Online Today" below.




What is WHEDA?

WHEDA is an acronym for Wisconsin Housing and Economic Development Authority. WHEDA was initiated to help first-time home buyers to purchase their first home in Wisconsin.

Features and Benefits:

  • 100% financing
  • Low down payment: Get into a home with as little as $1,000 in out-of-pocket expenses.
  • 30 year fixed rate

Program Requirements:

  • You don't have to be a first-time homebuyer
  • Borrowers must contribute $1,000 of their own funds.
  • Homebuyer education is required.
  • The property must be owner-occupied.

Learn more about the WHEDA loan today! Give me a call for further discussion: (920) 788-9608.



203k FHA Rehabilitation Mortgage

203k FHA rehabilitation mortgage for Wisconsin home purchases or refinances.

What is 203k FHA Rehabilitation Mortgage about?

Are you looking to buy or refinance your Wisconsin home but can’t because the home needs some major repairs? The Federal Housing Administration (FHA) 203K Rehabilitation mortgage allows you to finance the entire cost needed for the repairs. Your appraised value will be determined by the worth of your home after the repairs are completed. The FHA streamlined version will give you 50% of the total cost at closing and the rest when the repairs are completed.

Purchasing a home in Wisconsin

Buying a home can be a daunting task in today’s market. With so many options available, it is quite uneasy to decide on which home to buy. However, what if that home has your required and desired features? How do you fund the TLC required and pay for your mortgage? This is where GSF Mortgage comes in!

GSF Mortgage

At GSF Mortgage, we have a Home Improvement loan that can provide you the cash you need at the closing of your new home. After signing all those papers to make the home yours, we’ll hand you a check for half. With this, you can immediately begin to transform your new home into dream home status.

What kind of repairs does the 203k FHA Rehabilitation Mortgage cover?

Almost all updates and repairs to a home qualify under this new home improvement loan. From re-roofing the home, updating a bathroom, gutting a kitchen, and furnishing it with new appliances, to replacing the out of date wall to wall shag carpeting with hardwood floors are all covered under this loan.

Are you interested in purchasing a foreclosure?

If you are looking to buy a foreclosed home in Oshkosh, Appleton, Green Bay Wisconsin or the surrounding area, an FHA 203k loan may be beneficial to you. Almost all foreclosed homes need a little TLC. With this loan, you can include the needed costs to remodel or repair.

Call or apply online today to see if you qualify for an FHA 203k rehabilitation mortgage.



VA Home Loans | Wisconsin Veterans | GSF Mortgage

VA Benefits allow Wisconsin veterans to finance 100% of the home's value with zero down.

Purchase with $0 Down or 100% Cashout Refinance.

Over recent years, banks have put Wisconsin home ownership far out of reach of many prospective veteran buyers with their astronomic down payment requirements. Typically, these banks require 10 – 20% down payment for conventional loans.  VA benefits allow Wisconsin veterans to finance 100% of the home’s value with zero down.

Click "Apply Online Today" to get in contact with a VA Home Loan Advisor.


VA Home Loan Benefits.

  • No down payment required
  • Lower interest rates.
  • No private monthly mortgage insurance.
  • Closing costs may be paid by the sellers.
  • No prepayment penalty if you pay off the loan early. 
  • VA may provide assistance if you run into difficulty making payments.
  • VA funding fee can be included in the loan.
  • Ability to finance the VA funding fee.

You should also know that:

  • Veterans can reuse the benefit.
  • You don't have to be a first-time homebuyer.
  • Certain surviving spouses of deceased Veterans are eligible.
  • VA-backed loans are assumable, if the person assuming the loan qualifies

Why GSF Mortgage?

As a direct writer of VA home loans, we do everything in house including:

  • Taking the application
  • Processing
  • Underwriting
  • Funding of the loan.  

The benefit to you is you can close on your loan quickly.  Typically, we close on most VA home loans within 30 days. 

Contact Ron Meyer at GSF Mortgage today by clicking "Apply Online Today" below



Home Ready -Fannie Mae- 3% Down Wisconsin Mortgage

Buy a home in Wisconsin with only 3% down using Home Ready from Fannie Mae.

Contrary to your initial belief, it is not hard to own a house in Wisconsin. To many people, you need to put down at least, 20% to purchase a home which is not true. No wonder most people prefer to rent rather than own their own home in Wisconsin. But, do you know you can purchase a home in Wisconsin with only 3% downpayment? Of course, yes!

With a Home Ready Mortgage by Fannie Mae you only need to have a 3% downpayment. The downpayment can even be gifted. Which other opportunities can be greater than this?

General Property Eligibility requirements for Wisconsin Home Ready Mortgage

1st mortgage purchase or limited cash-out refinances acceptable

1 unit properties require 3% downpayment

2-4 unit properties require 5% downpayment

Manufactured housing is not eligible

Owner-occupied primary residence only

The borrower may not have an ownership interest in any other residential dwelling

 Borrower requirements for Wisconsin Home Ready Mortgage 

A minimum contribution of own funds $0 for 1 unit and 3% for 2-4 units

Downpayment can be a personal gift from a family member, employer assistance, gift or grant from a qualified entity

Income limited to the maximum of 100% of area median income for Wisconsin.  

First-time Home Buyer. At least 1 borrower on the loan needs to be a first time home buyer. First time home buyer is                defined as not owning a home in the past 3 years

Home-buyer education and counseling required.



Conventional Loans

A conventional loan is one that isn't back by any government entity such as FHA or VA.  If you are putting less than 20% down you will be required to carry monthly mortgage insurance also know as private mortgage insurance (PMI).

What is the minimum downpayment?

Fannie Mae Home Ready Mortgage you can purchase a home with as little as 3% down.

Maximum loan limits by dwelling type

  • 1 unit is $453,100
  • 2 unit is $580,150
  • 3 unit is $701,250
  • 4 unit is $871,450

Types of properties eligible

  • Single Family Homes
  • 2, 3, or 4 unit properties
  • Condominiums

Second homes and rental investment properties unlike government backed loans are eligible for financing.

Ready to get started?  Give me a call or apply online today.



Wisconsin FHA streamline mortgage refinance with no appraisal or income documentation needed.

Do you know you can refinance your current Wisconsin FHA mortgage via the FHA Streamline Refinance Mortgage with no appraisal or income documents needed? Pretty amazing, huh?

Here is how

In order to enjoy this exclusive benefit, you need to first undertake a verbal verification. The purpose of this eligibility test is to make sure you are employed and have made the last 12 mortgage payments on time.

What’s more?

This loan gets even better! In addition, you will skip a month’s mortgage payment.

Give me a call or apply online to get your Wisconsin FHA Streamline Refinance started today.

USDA Rural Housing streamline refinance with no appraisal.

If you are unable to refinance your Wisconsin USDA Rural housing mortgage home loan because your home has dropped in value, here is good news for you.

Refinance your current mortgage loan with no appraisal

At GSF Mortgage we are always here to assist you. You can now refinance your current Wisconsin USDA Rural Housing Mortgage with no appraisal needed. Yes, this is correct! In fact, if you are upside down on your mortgage or have little or no equity, you can still refinance without needing an appraisal.

How to qualify

You will still need to qualify based on credit, employment, and income, but no appraisal needs.

Give me a call or apply online to get your no appraisal USDA Rural Housing Refinance started today.


Click here to view all loan programs.