Business Details
26 Years
experience
Your Trusted Mortgage Experts in Wisconsin
Mortgage Experts powered by Novus Home Mortgage has been dedicated to helping clients achieve homeownership since 2000. Our family-owned agency, based in Marshfield and Stevens Point, Wisconsin, combines over 15 years of industry experience with a client-focused approach to mortgage financing. We specialize in providing conventional, FHA, VA, USDA, WHEDA, refinancing, and home rehab loans tailored to meet diverse financial situations. Our team of licensed professionals offers free pre-approvals, down-payment assistance programs, and specialized financing solutions for first responders, veterans, and medical professionals. With in-house loan processors available to answer questions, we streamline the mortgage process while maintaining personalized service.Our commitment to transparency and education empowers clients to make informed decisions about their home financing. We pride ourselves on our non-judgmental approach, helping clients with varied credit histories navigate the path to mortgage qualification. Our local expertise in North Central Wisconsin ensures clients receive financing solutions that align with regional housing markets. As a full-service mortgage lender, we maintain partnerships with major financial institutions while preserving the personalized touch of a family-owned business. Our legacy of excellence, established by founder Laura Leonhard and continued by her son Jordan and his wife Jessica, reflects our unwavering dedication to client satisfaction.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
WHEDA Loans
Refinancing Loans
Home Rehab Loans
Details
- Year established: 2000
Highlights and features
- Family-owned agency with 15+ years of local mortgage expertise
- In-house loan processors provide immediate assistance and clarity
- Specialized financing programs for first responders and veterans
- Free pre-approvals issued within minutes using advanced technology
- Non-judgmental approach helping clients with varied credit histories
Services
Conventional Loans
Conventional loans offer flexible mortgage solutions for borrowers with strong credit histories. These fixed-rate and adjustable-rate mortgages provide competitive interest rates with various term options. Ideal for purchasing primary residences or investment properties, conventional loans require private mortgage insurance for down payments under 20%. Our experienced loan officers help clients navigate loan-to-value ratios and debt-to-income requirements to secure optimal financing terms.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payment requirements. Backed by the Federal Housing Administration, these mortgages accommodate borrowers with moderate credit scores. We specialize in guiding first-time buyers through the 3.5% down payment program while ensuring compliance with property condition standards. Our team streamlines the FHA appraisal process and explains mortgage insurance premium requirements in clear terms.
VA Loans
VA loans offer zero-down payment options for eligible military personnel and veterans. Our certified specialists help clients obtain Certificate of Eligibility documents and maximize their VA loan entitlement. We explain service-specific requirements while processing these mortgages with expedited timelines. Our agency maintains expertise in VA appraisal standards and funding fee exemptions for qualified applicants.
USDA Loans
USDA loans provide 100% financing for homes in designated rural areas. Our underwriters verify income eligibility limits and property location requirements for these zero-down mortgages. We assist clients with the USDA guarantee fee structure and explain the benefits of reduced mortgage insurance compared to conventional loans. Our team maintains up-to-date knowledge of changing USDA map designations.
Home Rehab Loans
Home rehab loans combine purchase or refinance funds with renovation costs in a single mortgage. Our specialists help clients qualify for FHA 203(k) and Fannie Mae HomeStyle programs that finance property improvements. We coordinate with contractors to ensure repair budgets align with loan parameters while maintaining compliance with appraisal guidelines. These loans enable buyers to purchase fixer-uppers with built-in renovation financing.
People
Jordan Leonhard
Loan Officer
Jordan Leonhard transitioned from mortgage processing to loan origination under his mother's mentorship. With over a decade of industry experience, he specializes in guiding first-time homebuyers through the mortgage process. His client-centered approach focuses on simplifying complex financing options while maintaining the family business's legacy of excellence.
Jessica Leonhard
Loan Partner III
Jessica Leonhard brings healthcare industry experience to mortgage services, emphasizing personalized client care. As a certified loan partner, she specializes in explaining mortgage terms in accessible language. Her expertise includes coordinating loan documentation and ensuring smooth transactions from application to closing for diverse client profiles.
Laura Leonhard
Founder
Laura Leonhard established Mortgage Experts in 2000 after a successful career as a loan originator. Recognized as an Elite Woman in the Mortgage Industry, she pioneered the agency's client-first approach. Her legacy includes multiple national volume awards and a commitment to mortgage education that continues through her family's leadership.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, USDA, WHEDA, refinancing, and home rehab loans to meet diverse homeownership needs across North Central Wisconsin.
How quickly can I get pre-approved?
Our automated underwriting system typically issues pre-approvals within minutes while maintaining personalized guidance from our loan specialists.
Do you offer special programs for first responders?
Yes, our Heroes Program provides tailored financing solutions for first responders, veterans, and medical professionals seeking homeownership.
Can I get help with down payment costs?
We offer down-payment assistance programs and explain all available options to help clients achieve their homeownership goals.
What areas do you serve?
We specialize in mortgage services throughout North Central Wisconsin, including Stevens Point, Marshfield, and surrounding communities.