low down payment

Congratulations on Closing!

Congratulations to Pam and Oscar for closing yesterday! They trusted Imagine Home Lending handle another home loan! We appreciate your return business so much! Imagine Home Lending - Doug Milkowski teamed up with Liz Todd- Realtor, KPR Brokers and Heidi Milkowski to ensure a smooth closing for these two!

Congratulations and many thanks!
Imagine Home Lending
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Explore La Crosse!

Whether you’ve settled down and purchased your home or are currently renting in the beautiful driftless region, chances are we spend far more time at work than at play.

It’s chilly outside; here’s a list of ways you can shake off the cabin fever and connect with your community!

Treat yourself or your valentine to a steak dinner at Fayze’s. Their Thursday special includes a 6 oz sirloin, two sides, and homemade bread for $9.99!

Bundle up and head over to Norskedalen Nature and heritage center for a snowshoe hike! Explore the beautiful trails by candlelight. Bring your own snow shoes, or rent them when you arrive.

Learn to decorate cake pops that look like unicorns! Unleash your creativity and enjoy some sweets. Great activity for kids or adults.

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Participate in a Mississippi River tradition: Friday Fish Fry! We suggest Blue Moon Restaurant in Onalaska. You can never go wrong by kicking your weekend off with a local fish fry.

Take a little trip up north for a Golden Eagle Viewing Field Trip. Perhaps you’ll spot a bald and golden eagle! This is a great way for older children and/or adults to spend the day learning about the beautiful natural habitats in the driftless region.

Settle down with a Sunday morning brunch at Creekside!

Though the whether outside is still frightful, don’t be shy! Get out there and experience the benefits of living in Coulee region.

Think Outside The Box

What do you think holds potential home buyers back from taking the plunge and buying their first home? What do you think the number one apprehension is for potential first time home buyers? Unfortunately, It’s been drilled into our brains that in order to consider purchasing a home, you’ll need 20% down. Imagine Home Lending is here to let you know that you have the option to finance a home without needing 20% down.

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Imagine the following scenario:

You’re daydreaming, scrolling through Zillow, taking an inside look at what kind of houses are available in your area. You find a home in a nice area, close enough to work, walking distance from your go-to happy hour spot, and it’s priced at $150,000.

In today’s economic climate, it’s common that most of us carry some combination of  student loan debt, medical expenses, high rent costs etc.

Is it realistic to expect that the average person has $30,000 saved up for a down payment on this home? We don’t think it’s common for members of our community to be sitting on that kind of expendable cash. (I know I’m not!)

So, how do you turn your Zillow daydreams into move-in ready reality?

Find a lender who can offer you options that work for your circumstances. Imagine Home Lending offers several mortgage programs that offer different down payment options for qualified buyers. For example, USDA and VA loans are great 0% down payment options. FHA and Conventional mortgage loans offer down payment options as low as 3%.

I don’t know about you, but $4,500 (3%) down payment seems a lot more doable than $30,000 (20%). Some mortgage programs allow down payment gifts, and some mortgage programs offer down payment assistance to qualified buyers. What I’m getting at is, where there’s a will, there’s a way.  

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Imagine Home Lending is a local mortgage lender. We make a strong effort to work closely with our community to make your loan process simple, realistic, and as stress-free as possible.

Curious to hear more about our mortgage program options?

Give us a call or visit us online today!