Select One Mortgage Inc Land O Lakes Wi. NMLS 201542

12/19/2025

Mortgages can be intimidating but instead of being a number at some large outfit you can deal with us locally and talk to the same person every time.

We know the area and the mortgage world

Equal Housing Lender

12/12/2025

If you have a Mortgage interest rate that starts with a 6 or a 7 it may be a good time to chat about a refinance.

Refinancing can allow you to skip a payment, lower your payment, take cash out, or shorten your remaining loan term.

We also offer custom loan terms for any number of years so you don’t need to restart a 30 year mortgage.

12/05/2025

Thinking about buying a home this winter? Rates are in a much better spot today than in recent times and the housing market doesnt seem quite as crazy. We’ve got some awesome low and no down programs, especially for first time home buyers. We can look at your situation and even if it doesnt work today we will help you make a plan for future goals.

If you have questions or want to see how much can afford or how much your payment would be reach out any time. Jack is available (call or text) 715-891-8279.

We work statewide in Michigan and Wisconsin.

06/17/2025

Everyone talks about interest rates... but here’s the thing: the length of your loan plays a bigger part than you may think.

This quick-read blog breaks down a real-world example that might surprise you - how the lowest monthly payment could actually cost the most over time.

👇 If you’re thinking about borrowing, don’t miss this. Click the link below to read.

Time is the most valuable thing any of us have to offer. We often don’t think of time when it comes to borrowing money but we should. We always see people get caught up in interest rate and while that is very important the length of time you borrow for can be even more relevant.

04/18/2025

💡 Thinking of closing your credit cards now that you’re debt free? You might want to read this first.

Just because you don’t carry debt doesn’t mean you should shut down your credit. In fact, doing so could actually hurt your credit score and make things harder when you're ready to buy a home.

👉 Read our latest blog to learn how to protect your credit, even when you don’t need it:

Many believe that paying off debt and closing all credit accounts is the ultimate financial goal—but doing so can have unintended consequences

04/01/2025

🏡 Myth: You need 20% down to buy a home.
✅ Reality: Many loans require far less
In this post, Jack Van Wormer explains the truth about down payments and how they affect your mortgage, insurance, and interest rate.

Think you need 20% down to buy a home? Think again. Jack Van Wormer breaks down real down payment requirements by loan type and how your down payment can affect monthly payments, interest rates, and mortgage insurance.

03/25/2025

Think the only place to get a mortgage is your bank? Think again.
Mortgage brokers offer more flexibility, more loan options, and more personalized service, especially for self-employed buyers. Jack Van Wormer breaks down the differences in this quick guide👇

Discover the key differences between mortgage brokers and retail banks and why working with a broker like Select One Land O' Lakes could get you better loan options, flexible terms, and a smoother path to homeownership.

03/18/2025

Are you too comfortable? 😬

In business, sales, and even life, staying in your comfort zone can hold you back. Whether it’s not asking the tough questions in a sales call, ignoring your insurance coverage until it’s too late, or simply accepting things as they are instead of pushing for more, complacency can cost you.

Our new blog is about why stepping outside that comfort zone matters—for your success, your business, and even your financial security. Give it a read and let us know what you think! 👇

Comfort breeds complacency. Whether in business, sales, or life, staying in the safe zone can hold us back from real success. In insurance, that mindset can mean outdated coverage, unexpected gaps, and missed opportunities. Taking the time to ask the right questions—no matter how uncomfortable—c...

02/18/2025

Have you ever talked about something random, like wicker furniture, only to start seeing ads for it everywhere? The way our data is used today is completely different from just a few years ago.

One of the biggest issues? Credit bureaus selling your private financial info as “trigger leads.” When you apply for a mortgage or loan, your information is often sold to companies looking to target you with offers, sometimes in misleading and aggressive ways.

Thankfully, you can take action to stop this. Learn how to opt out of these data sales and protect your privacy in my latest blog post ⬇️

How all of our data is used today is vastly different then it was not very long ago. Virtually everyone has cell phones, even people like my 74 year mom (who swore less then a decade or so ago she’d never touch one!). Now she regularly spends time on it and uses it for a variety of things. Somethi...

02/07/2025

❄️ Winter is here in Northern Wisconsin, and while the snowmobiles are out, many are asking the big question: Where are mortgage rates?

Check out our latest blog for insights on the market and tips on securing the best mortgage for you! ⬇️

https://www.selectonelol.com/blog/february

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Where are rates? This is the most common question I hear. In all honesty they aren’t too different today then they were 3, 6, or 9 months ago unfortunately. We saw a little dip around the start of 3Q 2024 but it was short lived and when things get put on a 12 month chart there is some up and down ...

01/16/2025

Buying a home is one of the most exciting milestones in life; however, before you start looking at every house in search of your dream home, there is a crucial first step that can set you up for a successful purchase: getting Pre-Approval. A Pre-Approval can help you understand what you can afford and show sellers that you are a serious, well-qualified buyer.

Read our latest article to learn more about the pre-approval process

Buying a home is one of the most exciting milestones in life; however, before you start looking at every house in search of your dream home, there is a crucial first step that can set you up for a successful purchase: getting Pre-Approval. A Pre-Approval can help you understand what you can afford a...

01/11/2025

Are you considering a mortgage but unsure about your options? Balloon and Adjustable Rate Mortgages (ARMs) can be valuable tools, but they come with complexities worth understanding.

It’s important to fully understand these products and evaluate your financial situation and future before making a decision. To learn more about Balloon and Adjustable Rate Mortgages (ARMs), read our latest blog!

There is often some consumer confusion regarding balloon and ARM or adjustable type mortgages. Let’s start with the most common type of mortgage, and this is a 30 year fixed. 30 year fixed mortgages are what most consumers in the US use when borrowing money, this accounts for around 90% of all mor...