Business Details
Trusted Mortgage Lenders in Stevens Point & Marshfield, WI
Mortgage Experts powered by Novus Home Mortgage is a family-owned mortgage lending agency serving clients in North Central Wisconsin. With over 15 years of combined experience, our team specializes in providing personalized mortgage solutions tailored to individual financial situations. We offer a comprehensive range of loan products including conventional, FHA, VA, USDA, and WHEDA loans, along with refinancing and home rehab financing options. Our in-house loan processors ensure timely responses to client inquiries, while our Heroes program provides down-payment assistance for first responders, veterans, and medical professionals.We pride ourselves on non-judgmental guidance for clients with diverse credit histories, utilizing state-of-the-art automated underwriting systems to issue pre-approvals quickly. Our commitment to exceptional customer service has been recognized through industry awards, including Elite Women in Mortgage honors. Backed by a bank partnership, we maintain a local focus while delivering national-level expertise to help clients achieve sustainable homeownership.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
WHEDA Loans
Refinancing Loans
Home Rehab Loans
Down-Payment Assistance
Heroes Program
Free Pre-Approvals
Highlights and features
- We offer over 15 years of combined mortgage lending experience
- Family-owned agency with personalized service approach
- Free pre-approvals issued within minutes using automated underwriting
- Heroes program providing down-payment assistance for essential workers
- Specialized loan options for rural development and home rehabilitation
Services
Conventional Loans
Conventional loans offered through Mortgage Experts meet Fannie Mae and Freddie Mac guidelines, providing fixed-rate options that ensure stable monthly payments regardless of market fluctuations. These loans suit borrowers seeking predictable mortgage terms without government-backed programs. Our team helps clients navigate conventional loan requirements and secure competitive interest rates.
FHA Loans
FHA loans provide low down-payment options for first-time buyers and those with lower credit scores. Our specialists assist clients in qualifying for these Federal Housing Administration-insured mortgages, including specialized 203(k) programs for property renovations. We guide borrowers through FHA streamline refinancing options to reduce monthly payments effectively.
VA Loans
VA loans offer no down-payment requirements for eligible veterans, active-duty personnel, and surviving spouses. Our team processes these Veteran Affairs Department-insured mortgages, helping military families achieve homeownership. We also facilitate VA refinancing to lower interest rates and monthly payments for existing VA loan holders.
USDA Loans
USDA loans enable rural property purchases without down payments, targeting income-qualified borrowers in designated areas. Our experts verify property eligibility and assist with USDA refinancing options. We specialize in helping clients meet income criteria for these rural development financing programs.
Home Rehab Loans
Home rehab loans combine purchase or refinance funds with renovation costs, ideal for property improvements. Our FHA 203(k) program supports major repairs like kitchen remodeling and structural upgrades. We assist borrowers in qualifying for these specialized loans to transform fixer-upper properties into dream homes.
People
Laura Leonhard
Founder
Laura Leonhard established Mortgage Experts in 2000, bringing 18 years of mortgage industry experience. Recognized as an Elite Woman in Mortgage by The Mortgage Professional America, she pioneered the company's client-centered approach until her passing in 2018.
Jordan Leonhard
Loan Officer
Jordan Leonhard transitioned from processing to loan origination in 2018, continuing his mother's legacy. With hands-on experience since high school, he specializes in guiding clients through mortgage options while maintaining the company's personalized service standards.
Jessica Leonhard
Loan Partner III
Jessica Leonhard joined the team in 2018, leveraging prior healthcare experience to enhance client communication. As a certified Loan Partner, she focuses on explaining complex mortgage processes clearly and connecting clients with appropriate financing solutions.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, WHEDA, refinancing, and home rehab loans with specialized programs for first-time buyers and rural properties.
Do you provide down-payment assistance programs?
Yes, we offer down-payment assistance for first-time homebuyers and a Heroes program for veterans, first responders, and medical professionals.
Can I get pre-approved for a mortgage quickly?
Our automated underwriting system typically issues financing pre-approvals within minutes for qualified applicants.
Do you work with borrowers having credit challenges?
Our non-judgmental staff provides guidance to help clients improve credit profiles and qualify for future mortgage opportunities.
What areas do you serve?
We primarily serve North Central Wisconsin, including Stevens Point and Marshfield, with loan programs applicable statewide.
Are there refinancing options available?
We offer conventional and government loan refinancing options to help reduce monthly payments, adjust loan terms, or access home equity.
