AT HOME MORTGAGE, LLC offers a wide array of home loan products to meet all types of mortgage financing needs. . . Whether you are looking to purchase a new home or refinance your existing one, whether you have EXCELLENT credit or LESS-THAN-PERFECT CREDIT, we have the right loan for you.* AT HOME MORTGAGE, LLC provides unequaled service and some of the most competitive interest interest rates in the mortgage industry to Wisconsin Clients. If you are looking for a mortgage in Wisconsin, AT HOME MORTGAGE, LLC provides solutions to your education, as well as your loan needs. We are committed to helping you make the right decisions regarding your personal financial mortgage needs. AT HOME MORTGAGE, LLC specializes in helping new and potential homebuyers find the right loan program with the right combination of fees, interest rate and payment. AT HOME MORTGAGE, LLC is locally owned and operated and offers a wide array of Real Estate Financing options. AT HOME MORTGAGE, LLC, based on credit approval, can still often provide "No Money Down"* and "No Out-of-Pocket Cost"* options. AT HOME MORTGAGE, LLC has some of the BEST rates available from Nationwide Lenders. First time home buyer? We have plans that can put you into the home of your dreams with customized programs to fit your needs. Whether you are Purchasing or Refinancing, we can help guide and educate you on finding the right product and help you close your loan Quick and Easy! Visit our SECURE Online Application Page and fill out the application in full. We will get back to you in ONE business day with a loan to fit your needs. The following information will help you better understand the need for quality, professional assistance in evaluating the right loan for your situation. FULL QUALIFYING LOANS These loans require verification of both your income's and your cash assets. You will obtain the lowest interest rate available due to the amount of information we have available to assess our risk. You may put as little as a 3.00% down payment, although a 20% down payment is required to eliminate Private Mortgage Insurance coverage. Your credit report and related credit score will be evaluated along with your debt-to-income ratio to evaluate credit worthiness. A good rule-of-thumb is, the better the credit, the less down payment will be required and the lower the interest rate will be. The poorer the credit, the more down payment will be required and the higher the rate will be. LIMITED DOCUMENTATION LOANS These loan types eliminate the need for verifying your income and/or your cash assets. Considerable weight will be placed upon the quality of your credit. These loans come in three different categories. "Stated Income" loans require you to state your income on the loan application, but you do not need to provide pay stubs or W-2 forms. A stable two-year work history is normally required, or, if self-employed, you must evidence that your business has operated for at least two years. The income listed must be "in line" with the job position and assets that you have listed. These loans may be obtained with as little as a 5% down payment if you have a 620 or above credit score. A 10% or 20% down payment will be required if your credit score is between 600-680. "Stated Income/Stated Asset" loans, known as NINA (No Income, No Asset verification), allow you to state both your income and your cash assets on the loan application. These loans require a minimum of a 620 credit score. The better your credit, the less down payment will be required. Down payments will range from a minimum of 10%, to up to 25% dependent upon your credit. "No Verification" loans are available for borrowers with a 680 and above credit score. You will not be required to provide information on your income, assets, or on your employment history. You may make as little as a 5.00% down payment if your credit score is above 720. If your credit score is between 680-720, then a 10% down payment is required. All three of these categories of Limited Documentation loans will carry higher interest rates than a "full qualifier". The rate increase can vary from as little as .125%, to as high as 2.00% or more, above current market rates dependent upon your credit rating and the amount of your down payment.