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Andy Derwinski
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Andy Derwinski

Branch Manager

W175n 11117 Stonewood Drive, 205 2nd Floor, Germantown, WI 53022
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
4.92
5.0
4.91
Mary
Nov 01, 2023
Verified

It seems quality is rare these days, so I was very impressed when I was introduced to Andy. He covered all the bases and worked thoroughly through the mortgage process, answered all of my questions (and there were many because this is my first mortgage). He was there for me 24/7.
Jason m
Nov 01, 2023
Verified

Andy was very helpful and the whole process was awesome it was the easiest house buying experience I’ve ever had. His entire team was very helpful and on top of everything. I will definitely be using him again and I would recommend him to anyone.
Mary
Oct 30, 2023
Verified

Everything from beginning to end went very smooth!
Mark L
Sep 28, 2023
Verified

I am a Real Estate Agent in Western Wisconsin and have worked with Andy and his team for the past three years now. Andy's attention to detail far exceeds mine as well as my clients expectations. His ability to communicate, educate clients and his professionalism are top notch! . I highly recommend Andy and his team and will continue to recommend all my clients that they reach out to him.
Jessica R
Sep 28, 2023
Verified

Andy was so amazing to work with! I'm a first time home buyer and he truly made the whole process go a smoothly as possible! It was a pleasure working with him and I plan to continue to work with Andy moving forward
Adrean B
May 18, 2023
Verified

Days like these it’s a joke to rent a home when you can just buy a house and pay about the same or in some cases less in mortgage then You would for rent, but not everyone has a loaded savings or a 780 credit score or money up front to just buy a house, and with the little resources I had Andy pulled some kind of miracle job and got me into the perfect home for my wife and 2 children and now we have room to grow in a beautiful SAFE neighborhood! we could not have done this with out Andy with us every step of the way, I wanted to quit about 100 times but in the end it was worth it cause we got everything we wanted, THANKS ANDY!

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passionate about

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NMLS ID #1116673
I am authorized to do business in the states of Illinois and Wisconsin. (www.nmlsconsumeraccess.org);