Ritchie Baumann
Branch Manager & Senior Loan Officer
About Ritchie
Here is what I believe in when it comes to helping you:
House To Home - You want a mortgage because you want a house to call home. A house is shingles, carpet, windows, siding, doors, etc. If you are like me, those things are not really the exciting stuff about a house. The exciting part about owning a house is creating memories with the people you live life with in the house, and the memories will build year after year as you own that house. How you pay for a house is part of it being your home.
Teaching - My service to you is to be a teacher of how mortgages work so that you may have peace knowing you made a great decision.
Transparency – You should know all your loan options and why you do or do not qualify for each. There are options for types of mortgages and features for each mortgage type that could help you. I look at those features as a puzzle create a great mortgage for you. You should also know the purpose of each fee you pay to obtain a loan. It’s not right that you are only told these things and not given a choice. After all it is your money.
Problem Solver – The #1 skill you should look for in a mortgage company and a loan officer is their ability to solve problems. We all wish our lives never had hurdles. But hurdles happen. When obtaining a mortgage, the things that have happened in your life may affect your ability to obtain a mortgage. Knowing how to guide you through those hurdles and solve the problem is key to obtaining a mortgage.
Communication – This sounds simple, but for whatever reason it does not happen in every business. I believe in keeping you informed and involved in the process of obtaining a mortgage to help you buy a house to call home.
People – Real people contact me with a desire to buy a house. You are not a number even though we talk numbers. You just want someone who cares so you can get a house to call home where you can create memories with family and friends.
Client Testimonials
"Couldn’t be happier with such a smooth buying process."
"All of my questions answered particularly by Ritchie with professionalism, quickly, and clearly a lot of experience. Great communicator, amazing at his job! No doubts we will be working with Ritchie again in the future!" -J.P.
"As a first time home buyer, I was so thankful to have Ritchie in my corner. I always felt like I was his main priority"
"He was so informative, answering all of my questions so thoroughly, no question was too small. He made sure that I understood everything that was going on. He was there to walk me through every step of the way. I honestly don't know how I would of gotten through without him. In the future, I would never even think to buy or refinance with anyone other than him. I cannot thank him enough." -K.R.
Our Transparent Mortgage Solutions
First Time
We can help answer all of your questions about buying your first home.
Refinance
Save money by lowering your interest rate or monthly mortgage payment.
Conventional
Available with ProVisor with either fixed rates or adjustable rates to save you money.
FHA Loans
Qualify for a government insured FHA loan with a credit score as low as 580.
WHEDA Loans
Offered to low and moderate-level income home-buyers within Wisconsin.
VA Loans
For veterans and surviving spouses with lower interest rates & no downpayment.
USDA Loans
Government insured loan for homes in a rural area with 100% financing.
Watertown Location
