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Buying a home is one of the biggest, most exciting decisions you’ll ever make. Let WHEDA guide you toward your future home.
WHEDA has mortgage programs
tailored to your individual needs, whether you are purchasing or refinancing, and a
first-time or a repeat buyer.
The WHEDA Advantage provides home buyers with a versatile loan that features the lowest monthly mortgage payments, down payment and closing cost assistance, a 30-year fixed-interest rate, and more. When you buy your home with WHEDA, you're able to make one of the biggest and most exciting decisions of your life be one of the best!
WHEDA understands that not every home is move-in ready. It can be difficult to find a house
within your budget, that meets your needs, and that you can call “home.” WHEDA’s HomeStyle® Renovation is the answer.
HomeStyle® Renovation is an enhancement to our statewide Advantage Conventional program
Certain program and property restrictions, along with eligibility requirements apply.
The FTHB Advantage offers a preferred fixed, interest rate for qualified first-time home buyers.
First-time home buyers, veterans or people purchasing in a federally designated target area are eligible for this fixed-rate mortgage priced below the standard conventional interest rate.
VALOR is an exclusive loan program that offers a reduced home loan interest rate for qualified veterans. This is a limited loan program and mortgage funds are available on a first come, first served basis.
Veterans are eligible for this fixed-rate mortgage priced below the conventional WHEDA Advantage market rate.
If you're eligible for a WHEDA loan you may also be eligible for the WHEDA Tax Advantage -- an exclusive program designed to save you money and make home ownership more affordable! The program provides a special tax credit to qualified borrowers, which reduces their federal income tax liability over the life of the mortgage.
Pair the Tax Advantage with a WHEDA loan or a similar mortgage program, and reduce the amount of federal taxes you owe by claiming up to 40% of your annual mortgage interest as a tax credit on your tax return.
When approved, you’ll pay lower taxes and have more money to put back into your home or into savings! Even better, the tax credit can be claimed for up to 30 years on the original mortgage!
This loan product features low closing costs and a 30-year fixed interest rate with flexible underwriting to get you into a home sooner.
Effective immediately, you don't have to be a first-time home buyer to use a WHEDA Advantage loan. Discover the WHEDA Advantage for your next home purchase!
The combined income of all occupants of the property and the loan amount cannot exceed the limit for the county in which the property is located.
If you are looking to purchase a home in a Wisconsin high housing needs area, you may qualify for down payment and/or closing cost assistance through WHEDA's Capital
Looking for help with your down payment and closing costs? When you qualify for a WHEDA Advantage mortgage, you may also qualify for the Easy Close Advantage. This loan for 10 years is designed to help you pay for down payment, closing costs and home buyer education expenses.