Julie Wilson/Mortgage Lender/MNLS#828123

Julie Wilson/Mortgage Lender/MNLS#828123 "It is truly an hon

Providing financing to many eager homebuyers and home builders for nearly 20 years, Julie's knowledge and experience with construction loans, in addition to the other products offered by FBFC, helps her buyers make informed decisions.

Why Doesn’t Everyone Get the Same Mortgage Rate?Your mortgage interest rate depends on your unique financial profile - c...
12/10/2025

Why Doesn’t Everyone Get the Same Mortgage Rate?
Your mortgage interest rate depends on your unique financial profile - credit score, debt-to-income ratio, down payment, and more - as well as broader economic conditions.
The better your financial picture, the better your rate may be. Ready to see where you stand? Contact Bank Five Nine today and let’s find the right mortgage for you.

If you purchased or refinanced your home in the last three years, with rates trending down, now could be the perfect tim...
11/05/2025

If you purchased or refinanced your home in the last three years, with rates trending down, now could be the perfect time to see if refinancing could save you money. A lower rate might mean a smaller monthly payment - and possibly saying goodbye to PMI for good. Bank Five Nine lenders are here to walk you through your options and see what works best for you. Connect with us today to learn more!

Are you wondering what to expect with your upcoming closings during the government shutdown? Chances are good that a shu...
10/02/2025

Are you wondering what to expect with your upcoming closings during the government shutdown?

Chances are good that a shutdown will not impact most borrowers. There are a few cases where we may see delays:
• Where we require third-party verifications that are available only through government agencies, such as tax transcripts, Social Security number confirmation, or flood insurance documents.
• Where borrowers are using certain government-sponsored loan programs, like USDA. On the other hand, FHA or VA loans may not see delays.
• Where borrowers rely on income from federal employment or contracts.

The most common Fannie Mae and Freddie Mac conventional loans should not be impacted, as long as the needed verifications have already been obtained or become available prior to settlement.

If you are concerned, please reach out. I'll be happy to review the specifics with you.

Thinking about buying a home in today’s market? Here are a few things worth keeping in mind:• Preparation matters. Getti...
09/29/2025

Thinking about buying a home in today’s market? Here are a few things worth keeping in mind:

• Preparation matters. Getting pre-approved helps you shop with confidence and move quickly when you find the right place.
• Every situation is unique. Talking with a local lender can help you understand what works best for your goals, whether it’s buying your first home, refinancing, or making a move to something new.
• Stay informed. Understanding current market trends, interest rates, and local home values can help you make smart decisions. (Bank Five Nine lenders can help you with this!)
• Plan for the long term. Consider your future goals, lifestyle, and budget to make sure your new home fits your life for years to come.
• Flexibility is key. Homes can move fast, so being ready to act, and knowing where you can compromise, can make a big difference.
• Don’t forget additional costs. Property taxes, insurance, and maintenance can add up, so factor them into your budget.

At Bank Five Nine, we’re here to make the process easier, answer your questions, and celebrate with you when you get your keys.

New season. New beginnings. New home? Let’s make it happen. 🍁
09/29/2025

New season. New beginnings. New home? Let’s make it happen. 🍁

The Federal Reserve recently lowered its policy rate by a quarter point, the first cut in 2025. While the Fed doesn’t se...
09/29/2025

The Federal Reserve recently lowered its policy rate by a quarter point, the first cut in 2025. While the Fed doesn’t set mortgage rates directly, its decisions can influence the market. If you’re thinking about buying, refinancing, or using equity, Bank Five Nine can walk you through your options and what today’s market means for you.
✔️ Purchase analysis
✔️ Qualification consultation
✔️ Pre-approval guidance

Every situation is different- let’s find the solution that works for you.

Member FDIC. Equal Housing Lender.

June is National Homeownership Month - a great time to not only buy a home, but take care of the one you’re in.
06/03/2025

June is National Homeownership Month - a great time to not only buy a home, but take care of the one you’re in.

Saving for a down payment can feel like the biggest obstacle to buying your first home. Low down payment options and ass...
05/20/2025

Saving for a down payment can feel like the biggest obstacle to buying your first home. Low down payment options and assistance programs can help—but there's another resource many first-time buyers don’t consider: your 401(k).
While early withdrawals usually come with a 10% penalty, there’s an exception that allows first-time homebuyers to withdraw up to $10,000 penalty-free to put toward a home.*

✅ You will pay income tax on the amount
✅ It will impact your long-term retirement savings
✅ But it might help you cross the 20% threshold and avoid private mortgage insurance

Some even consider borrowing from their plan instead of withdrawing. Either way, it’s worth discussing with your financial advisor.
We can also help crunch the numbers and explore programs that maximize your down payment potential. Ready to make a plan?
Let’s chat!
*https://ow.ly/S7Ju30sMCO2

Stagflation is an unusual combo: a stagnant economy plus rising prices. It can create some uncertainty in the housing ma...
05/16/2025

Stagflation is an unusual combo: a stagnant economy plus rising prices. It can create some uncertainty in the housing market, but understanding it helps you make smarter decisions.
Here's how stagflation may impact homebuying:
✔️ Slower wage growth and higher unemployment may soften demand.
✔️ Inflation can drive up the cost of building, making existing homes more expensive too.
✔️ The Fed may raise rates to cool inflation - even if prices dip, higher rates could mean pricier monthly payments.

The Good News?
Historically, home values have grown over time (FHFA Home Price Index). If you're in it for the long haul, short-term bumps may not matter much. And locking in a fixed rate now means protection from rising interest rates later.
Thinking about buying a home? Whether you’re ready now or planning for the future, let’s talk through your options. A conversation today could lead to smart decisions tomorrow.

Should You Make Extra Mortgage Payments?It can be a smart money move - saving you interest and helping you pay off your ...
05/16/2025

Should You Make Extra Mortgage Payments?It can be a smart money move - saving you interest and helping you pay off your loan faster. But it's important to weigh the pros and cons based on your full financial picture.
Before making extra payments, consider:
✔ Other debts
✔ Savings goals
✔ Investment opportunities

Learn more: Should You Make Extra Mortgage Payments? A Look at the Pros and Cons 👉 https://ow.ly/UsYC30sMxmN

Note: This post is for informational purposes only and should not be considered financial advice. Please consult a financial advisor for personalized guidance.

Address

Somerset, WI
54025

Telephone

+17153388206

Website

Alerts

Be the first to know and let us send you an email when Julie Wilson/Mortgage Lender/MNLS#828123 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Julie Wilson/Mortgage Lender/MNLS#828123:

Shortcuts

Share

Category