At Southern Lakes we take the time to get to know you to give you a mortgage lending experience with a personal touch. Our mortgage lenders are ready to find the right loan to help you reach your financial goals. Whether you are purchasing your first home, in need of a refinance of your existing mortgage, or looking to use the equity in your home to achieve your dreams we will be that guiding financial light to support your needs.

Southern Lakes provides a variety of options to give you the financial flexibility with your choice of mortgage loan. We offer:

  • Fixed-Rate Mortgages with repayment terms up to 30 years
  • Adjustable-Rate Mortgages to provide you greater flexibility
  • Specialized Mortgages
    • FHA – Backed by the Federal Housing Administration, this program is good for individuals with less than perfect credit, no formal credit history, or limited cash for down payments.
    • USDA – For homes located in eligible rural areas as determined by the U.S. Department of Agriculture. This program offers fully amortizing, fixed-rate mortgage financing and is guaranteed by the U.S. government. No down payment required.
    • VA – This Veterans Administration loan program enables veterans and active-duty personnel to purchase or refinance a home with favorable loan terms as recognition for their service. This program offers mortgages that can accommodate no down payment on many purchase transactions.
  • Low and No Down Payment Programs

For more information contact one of our Mortgage Lenders today:



Joe Riesterer

NMLS# 290200

17 North Washington Street
Elkhorn, Wisconsin 53121

Office: 262-723-4888 x810
Cell: 262-496-2254
Fax: 262-723-4988

Are you ready to take the next step with your mortgage? Click the button below to access our Mortgage Loan Center and apply today!