Providence Home Lending | NMLS 227262 | Call Us: 800.959.1871 | Email Us | Serving Wisconsin, Illinois, Michigan, Minnesota, Iowa, Tennessee, Texas, Florida, Colorado and California

FHA Loan

FHA loans are government-insured loans backed by the Federal Housing Authority. Private mortgage lenders fund the local home loans, but the government insures them against default. FHA loans offer a very low down payment to obtain the loan.

Traditional home loans require a minimum of 5% down, while FHA loans require as little as 3.5%. A great option with an FHA loan is the down payment may be a gift from approved sources such as family. FHA loans offer the same interest rate for all borrowers, so there is no interest rate penalty for those who have credit issues. FHA loans give credit-challenged or bad credit home buyers the ability to qualify at rates they could not get on conventional mortgages. The amount of debt you can have is higher and credit scores can be lower than a conventional home loan. You can qualify for an FHA mortgage in as little as two years after a bankruptcy and three years after a foreclosure.

FHA loans can also be refinanced with what is called an FHA Streamline Refinance. This allows you to reduce the interest rate on your current home loan quickly and often without an appraisal. FHA Streamlined Refinance also cuts down on the amount of paperwork which must be completed by your home lender — saving you valuable time and money!

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This is what people look for in a lender that’s not just out for your money!! Jeff Grieshammer is the greatest guy I’ve worked with on my house and has always picked up the phone no matter what. When I had questions… He will call you during the week to make sure everything is going alright and update you on your purchases… Looking for home lending, drop this guy a line!!!!!

Aaron Arnold

My husband and I both appreciate the information Carrie provided us and the respect with which she treated us in our current situation.


Kerstin is very professional, pleasant and courteous. She always got back to me promptly and explained things well. I knew I was in very capable hands and she made the process easier for me! I will definitely recommend her to friends and family.

Kerstin is great! Professional and courteous. A pleasure to do business with. I will recommend her to others.

I was referred to Providence by a friend of mine. Being a single mom and not really good with finances I was nervous about getting a mortgage. WOW!!!! This company was so sensitive about my situation and held my hand through the whole process. I cannot thank Carrie enough for taking extra time with me and keeping it simple throughout the process. I knew that Providence and Carrie were looking out for me all the way through the process. Thank you, Carrie!


I just wanted to thank you for all of your help through my refinancing process. I’m really happy that my friend referred me to you. I have to let you know that I really appreciate you level of honestly and professionalism throughout the process. Some other lenders that i was talking to did not show nearly the same level of professionalism. That was the deciding factor on why I choose to go with you. You always answered my questions with a helpful reply and explained details when I needed more explanations. Thank you again and I’ll be sure to pass your name along to any friends or family looking for a mortgage/refinance. Thanks!


Working with Jeff Sizemore of Providence Home Lending is always a delight. Jeff consistently demonstrates a high degree of professionalism as he keeps his clients informed throughout the loan process, works diligently to find the most favorable loan program available, and all while maintaining a high degree of integrity. You will find that working with Jeff is a pleasure.


My wife and I recently worked with Jeff Sizemore at Providence and had a wonderful experience. He walked us through the process of refinancing our home and made it very smooth and quick. Most importantly he delivered exactly what he promised. I would highly recommend working with Jeff Sizemore at Providence.


I worked with this firm and they were absolutely great to deal with. Professional, sharp and a delight. I highly recommend them!


We really appreciate Carrie’s kindness and helpfulness. She’s a great person and we’re glad we found her.


Jeff made the refinancing of our mortgage practically stress-free. He was always on top of everything and explained it clearly and simply when we had questions. I would highly recommend Jeff to anyone I know who’s looking to buy or refinance a home. Jeff is the best mortgage loan officer I have ever worked with.


Jeff provided us with the best possible solution for our family needs. He was very professional and able to give us answers quickly. What I liked most about Jeff was his honesty and that he was trustworthy. I still speak with Jeff periodically to see how rates are doing and if there are better solutions out there for our family.


Jeff has now helped refinance our home for the third time, each time successfully saving us money and helping us pay off debt… Within two business days, he had found us the perfect program, and had us pre-approved. He was also able to get us a substantial amount of cash, without compromising much of our equity.


Jeff’s knowledge and professionalism is second to none, and greatly appreciated. We look forward to working with him in the future.


I just wanted to say ‘thanks’ for Dave’s help in securing home financing for my customer. I know it was a complicated set up… that was certainly ‘out of the box.


We are busy making our new house a home. Jeff made the process of buying our home so easy and totally stress-free. We appreciate all the wise advice and the time he took with us.


Dave is the best mortgage lender I have ever worked with. I highly recommend him. He was knowledgeable, ahead of the game with every step, explained all the changes in home mortgage thoroughly, and kept everything going smoothly. If you are looking for a mortgage lender who will do a great job and is easy to work with, you need to look no further than Dave. I would use him again in a heartbeat. Thanks for the great service, Dave.

Gary T.

Dave was one of those people that honestly loves to help people. I appreciated his honesty and in depth knowledge of the industry. Dave provided us with a lot of information and answered a lot of questions… due to our circumstances and market conditions he advised us that we were best off where we were at. It is that level of service and commitment to doing the right thing for his clients that I would high recommend Dave. He is a friendly, outgoing and very personable person…who just so happens to live to help people. You would be fortunate to get his level of service.

Thanks again for all of your help!

Jason S.

I’ve worked with Dave in the capacity of a client as well as assisting many of his clients with their insurance needs. Dave is incredibly knowledgeable when it comes to all things mortgages, is very professional, is always available and goes WAY above and beyond for his clients. Even prior to becoming a client he was willing to give up a considerable amount of his time to assist and counsel on credit and mortgage related issues. I’ve heard from one if his clients he even watched their dogs while they were in between homes while moving! I highly recommend Dave and if you work with him, I’m positive you will too!

Kara L.

Dave worked for me for over 15 years. I could always trust him to provide his customers with the highest level of service and advice. He is a true professional. If you are looking for a mortgage or know someone who is I would highly recommend you contact Dave.

Wayne P.

Jeff provided us with the best possible solution for our family needs. He was very professional and able to give us answers quickly. What I liked most about Jeff was his honesty and that he was trustworthy. I still speak with Jeff periodically to see how rates are doing and if there are better solutions out there for our family.


I had the pleasure of working with Dave and found him to be a highly ethical and industrious financial sales expert. Always happy, always smiling…always prepared to help his clients. I highly recommend Dave Van Beckum.

Neil C.

Dave’s knowledge and experience was truly prevalent throughout the entire home buying process for my client and myself. He delivered on his promises and helped a first time home buyer realize their dreams. Dave’s communication and thoroughness went above and beyond. I look forward to working with Dave again soon, and would highly recommend him for all of your home lending needs.

Josh M.

We came to see Jeff not thinking we would even have a chance to buy. Today, Jeff put us in our DREAM HOME! Jeff was everything and more in someone to work with. Thank you for the “popcorn – movie” night, nice touch!! I wouldn’t recommend anyone else! Hope to catch ya banging on the drums sometime – Rock On!

Mike & Marie M.

Thank you Chip. Rachael and I really appreciate the job you did. We are very happy with you and with Karen.

Jason W.

Gary and I want to thank Chip for the stamp with our name and address on it. It just came in the mail. That will come in handy. Again, thanks for doing such a great job on doing our refinance on our home.

Gary & Colleen G.

Chip, Thank you very much for all your effort. We appreciate it very much and are very happy with the house.

Robert & Melissa R.

I wanted to express my appreciation for all the assistance received from Chip Knilans in regard to my loan. Chip was extremely helpful and knowledgeable and took time to explain everything so I knew exactly what was happening. One cannot imagine how it is to work with someone who is so efficient.

June L.

Working with Rob was an excellent experience. I will be passing Rob’s information on to others.

Julie K.

As a first-time home buyer, I didn’t know where to start until a former co-worker referred Rob Miller. I was amazed how detailed everything was, I knew what to expect through the whole process. Everyone in the process did a great job and I’ve told several people about the great experience you provided Rob.

Erica L.

Rob was very on top of things and very knowledgeable on the entire process. I was not able to work through the bank but through Rob, he made it happen.

Caroline O.

We wanted the best and Rob is the best!

Larry G.

Rob was great to work with and I’m so happy we went with him. It felt like we were working with a friend, which helped a lot since this was our first home buying experience.

Erin T.

Honestly the process sucked, all the hoops you have to go through to get financing. But, if I have to pick something that was amazing about the process, its how Rob helped with any question I had at any time of the day.

Travis F.

Rob was easy to get a hold of and returned phone calls & emails in a timely manner. The process was organized & clearly listed out for the things we needed to supply him with.

Jen K.

I like that I was always kept in the loop – constant communication and explanation of everything. I tell everyone how awesome Rob was. It was so painless, its unbelievable. I felt that I barely had to do anything.

Becky G.

The process of buying a home and dealing with a mortgage was new for us, so like most things we relied on word-of-mouth for a referral. Jeff Sizemore and his staff came highly recommended and now I am so thankful! He was easy to contact and gave honest answers to our worries and questions.Gathering paperwork can be a tedious endeavor but his staff walked us through the whole process. When it came time to refinance our home, Jeff was of course our first choice. Working at a hospital makes scheduling to sign paperwork difficult, but his staff came to meet me at work to get it done. Basically, they made any possible hurdle feel easy. So if you are new to this process or had a bad experience in the past – please take this as a friend’s word-of-mouth referral. You won’t regret it!

Denise S.

Being a first-time home buyer, I was more than a little nervous. However, working with Jeff and his team made it extremely easy. They are available to answer any questions you have at nearly any time of the day/night no matter what the question would be. Jeff was able to get me a great loan at theright price and made sure I was happy and comfortable with every decision being made. I would highly recommend Jeff and his team to anyone looking to buy a house!

Andrew B.

Jeff is by far the best loan officer I have ever seen. I had a very difficult situation that he and Melissa worked tirelessly to solve. I felt as if I was his only priority during that time. I cannot recommend him highly enough!

Maggie M.

Working with Jeff and Melissa, his assistant, made our home-buying process so much easier thanks to his valuable knowledge and experience, and really good customer service. Our situation was quite unique: we bought a new construction home that got delayed (of course) and we had sold a propertyoutside the US in order to get the funds for our down payment. Jeff and Melissa were so patient and professional about the whole situation that it really felt that the best team of people was working alongside us; all the way to closing day, when Jeff was kind enough to show up to answer any last-minute questions and even to provide some moral support. Overall I think it couldn’t have went any better and I’m glad I got to know Jeff and learn a lot of the technical details from him.

Edgar M.

Jeff has been extremely helpful. My fiancée and I are purchasing our first new home. Jeff has been very patient, and understanding with us. His schedule has been very flexible, and even came in on a weekend to help us. We value Jeff’s knowledge, and wisdom.

Jake H.

Jeff did a great job in answering all of our questions in a timely manner. All of the documentation could be done via email. This made everything very easy. Once we closed on both house and paper work is complete Jeff is still available to answer questions even after his portion of the work iscomplete. Highly recommended.

Daniel P.

Jeff was very helpful and knowledgeable throughout the entire loan process. My wife and I could not be happier to work with someone especially since this was our first home purchase. Thank you Jeff.

Parker D.

Very detailed skilled professional who took the time to explain the loan process. Answered questions and replied in a very timely manner. I would seek Jeffrey out again if I had any questions related to mortgage.

Lisa W.

I own a real estate brokerage and recommend him to all of my clients who ask if I know a good lender. Jeff’s ability for a smooth and easy process has made him my “go to guy” not only for my clients, but also for myself when I purchased a home. You will not be disappointed if you use Jeff and hisservices.

Adam K.

Jeff helped us through every aspect of our home refinance. He was very personable and accommodated us by meeting after office hours at a location close to us. We appreciated his honesty and advice. Both of us would highly recommend Jeff.

Jill B.

Jeff did a great job with the home loan experience. As a first-time home buyer, I had no idea what needed to be done or how to handle the process. Jeff showed me everything that was needed, answered every question I had quickly and succinctly, and kept everything completely transparent. He’sfollowed up a few times since my wife and I moved in just to make sure things are going well.

Paul H.

After finding my dream home my bank put my thru hoops and two days before closing they denied my loan, but my realtor knew Jeff and about five weeks later Jeff closed on my dream house. I like everything about the way Jeff put my loan together and now I tell my friends family and co-worker to bypass their bank and go to Jeff first if they want a hassle-free loan.

Bobby J.

My fiancé and I used Jeff Sizemore when we purchased our first home. He walked us through the entire process from beginning to end, and was extremely helpful in answering our questions. Jeff was very understanding of our concerns and explained everything to us. Very impressed and happy with ourexperience!

Allie R.

Jeff approaches his work with a strong sense of integrity and customer service. He was always available and responded to my many questions at all times of the day and evening. He made my loan process straightforward and easy to understand. And I would highly recommend working with Jeff for amortgage loan.

Pete A.

Jeff has always been wonderful to work with. All of my frequent questions were always quickly and politely answered. Even when Jeff was out of town he promptly was there to help me. I needed a pre-authorization letter and within 24 hours he had the information I needed. Before my recent homepurchase Jeff provided me with great service when I re-financed my condo. Jeff is totally professional and made sure the closing on my house was easy for me to understand.

I would never work with any other lender!

Keith J.

Working with Jeff in a real estate transaction is an absolute joy. He offers a wide array of products and is very knowledgeable in all of them. I love the fact that they underwrite their loans in-house. I have the comfort of knowing when Jeff is involved with the financing aspect the transactionis in good hands.

John N.

Jeff was extremely helpful throughout the process. I had several hoops to jump through due to my situation and Jeff guided me every step of the way. He referred me to other services I would need such as home owner’s insurance and worked hand in hand with my realtor to ensure the deal got done. I would highly recommend Jeff.

Matt W.

Jeff is extremely knowledgeable and technically savvy at what he does. He provided me with sound advise on several different refinance transactions as well as on my original home purchase.

Peter J.

I was tired of paying almost a $1000 to rent for someone else and let them make a killing off me. I am a gov. employee and disabled veteran. I thought I would never own my own home. I talked to Jeff and he told me my application would be a EASY approval. I was very skeptical, because that is how I always have been. I kept waiting for something to happen to say DENIED…but it never happened. Jeff kept me informed throughout the whole process. When my application/loan came from under writing as approved I was no jittery I could not concentrate at work for like 2 hours. Jeff and his assistant Melissa was responded immediately to all my questions. They are a extremely knowledgeable team and Jeff put me in my home very quick. In less than a month. For any home buying or situation, I would recommend Jeff without question. Looking for a home purchase??? USE HIM!!!


He helped us through a very complicated situation and did everything in his power to make sure everything worked out in our favor. Even when we had to add a cosigner he put in the extra time to make everything work out great. He also called us the day before he felt mortgage rates might be going up so we could lock in at the lower rate. We would highly recommend him as first-time home buyers.

Monte S.

Jeff and his staff were very helpful. Anytime I had a question he was available. They helped me get approved in 30 days. They were very friendly and accurate with all the paperwork. Jeff made sure I understood every document that I had to sign. He made me feel comfortable, and the service was personalized. It was a pleasure to work with him and his team!

Shatavia J.

Carrie is absolutely AMAZING!! We were able to get pre-approved for a home loan right away, and get extra money back with the Community Support Program which covered our closing costs!! Carrie’s attentiveness exceeded our expectations and I would highly recommend her!!

Niky S.

Very happy with our refinance experience. Carrie was able to get us a great rate and saved us a lot of money by doing so! Carrie is very knowledgeable and friendly. A pleasure to do business with, along with the entire Providence Home Lending office staff.

Kelly W.

We met Carrie Wales thru our realtor and could not have been more pleased. Carrie was extremely helpful and responsive to our needs in securing a mortgage for our vacation home. She went over and above, was available anytime, day or evening to answer questions, work with the underwriters, offer suggestions and to help make a timely and smooth closing. Thank you, Carrie.

Bob & Jeanine W.

Carrie was extremely thorough and professional in her approach to help us purchase our 2nd home. Everything went smooth and we had no qualms about the purchase process. We also did refinance with Carrie a few times over the last couple years. Carrie is easy to get in touch with and is very prompt with her follow up. I would highly recommend Carrie for helping you with any types of loan or refinance issues.


Carrie made our refinancing process simple and easy to understand. I guess I have continuously put it off because I thought it would be a huge headache, but working with Carrie proved otherwise. Carrie was very thorough and always made me feel very comfortable… if you are like me and think the process is scary… work with Carrie. I wish I would have known a lender like her when we initially purchased our home… If you are unsure of how to move forward or even if you are just thinking about refinancing or purchasing Carrie will make it easy for you to understand and complete the process. I truly recommend you take the time to sit down with her, it will be the best decision you make.

Adam W.

I have worked with Carrie for years and years and I would definitely highly recommend her to anyone looking for quality, dependable and efficient lending assistance. She is available whenever I need her (which is sometimes A LOT and on weekends/nights/etc). She is professional and always courteous. Please do not hesitate to call her today!

Kristin J.

Brad was amazing! Thank you so much for all your help, we could not have done this without you. I STRONGLY recommend you to anyone who needs a mortgage. Your timeliness, expertise and service was amazing! You always communicated to us through the entire process, it was like I was in your office working next to you! You are the best ever and thank you so much!!

James L.

I was so incredibly impressed with the constant communication that Brad kept with me. He would email me with any questions or requests for further information and he would call me every Tuesday with a weekly update! I cannot believe the amazing service that I received. When I was having trouble getting in touch with my mortgage company to receive a payoff letter for the closing, Brad stepped right up to advocate for me and we received the payoff letter shortly after that. I would highly recommend Brad Tindal for any of your mortgage needs. He is extremely profession and knows how to get his job done quickly and accurately!

Jill S.

Brad was extremely professional, knowledgeable and timely. We moved from PA and were very pressed for time to get the mortgage application and processing done in a short time-frame. Brad worked with us to make it happen and it all went smoothly.

Ed H.

I worked with Brad a few months ago to obtain financing on my first home. He was very knowledgeable with regards to the mortgage process and kept me fully informed the entire time. I would highly recommend him whether you are buying or refinancing.

Faith K.

We would highly recommend him to anyone thinking of purchasing a home. He is patient, knowledgeable, persistent and energetic and will get the job done!

Laura C.

Brad made an impossible situation into a reality. He was very professional and through. I would recommend him to anyone that is looking to finance a home. We are very grateful we were recommended to him.

Fred E.

I’ve been meaning to email you to THANK YOU for helping me through this process of getting my own home and being so patient through the whole process. It has been a long time coming, and you had faith in me to getting the credit higher. Your dedication to making this happen and guiding me through the process is greatly appreciated! Also, thanks for the gifts, the plate, pie and booklet to keep the memories. It’s been a busy past 5 days, moving and painting, painting and moving. I didn’t realize how much stuff I have to move and I still have a storage unit to move! Yikes! It’s time to downsize I guess. LOL


Ritchie created a very smooth process from my perspective, I am certain he did plenty on his end to make this seem very easy.


I highly recommend Chip to anyone that I know of working on a mortgage. Very, very helpful, especially without out purchasing from a realtor.


Although I’m not settled entirely, I’m enjoying my new home.

I appreciate your hard work and your kindness before and after the closing.


Just wanted to say thank you again for your help in the process of getting me in my new home. You made it simple and quick. I appreciate all you did throughout the process. We are getting settled in and loving our new place!


Shani was wonderful. I felt like we were best friends for years! She cared about me as a person as well as a customer. She was happy to answer any questions I had, made herself available to me after hours, if I needed and she genuinely cared about me and my family. I felt comfortable and confident buying my first home and I was beyond excited to share that experience with Shani.

As a first-time home buyer, I was unfamiliar with the entire process of purchasing a house, to say the least. I did some preliminary groundwork myself but soon found myself overwhelmed. My Mortgage Broker Shani Weibel patiently and thoroughly explained each step of the way so that I was comfortable. She is extremely knowledgeable and professional, and worked very hard to get me into the home I really wanted. I couldn’t be happier and would recommend her and Providence Home Lending to ANYONE looking to buy a home.

Scott W.

Thank you!!

It was a pleasure working with you and your team. You all were professional, efficient, and timely. I really appreciated your genuineness from day one.

I will not hesitate to make referrals when appropriate.

Thanks Again!


I am an elementary school teacher in Madison and want all of you taking the time to read this to know that YOU WILL NOT FIND A MORE GENUINE AND DEDICATED mortgage loan officer – EVER. In this day and age, finding someone you can trust; who will treat your account like it was their own, is kind of unheard of. For someone who cares for other people’s most valuable assets on a daily basis, I know how much trust is involved in this kind of relationship. Most peoples’ second most valuable asset is the home in which these cherished ones live. If you want someone to care as much as you do about your home (one of the most important decisions of your life) you need look no further than Jeff Grieshammer. I met Jeff as someone who was going to work with me, and now consider Jeff a true friend. My account was probably one of the most challenging one could come across; he could have dropped me at any point. But he kept fighting (and believe me there was a brawl around every corner). And, he’s STILL fighting for me. The phrase “to go above and beyond” doesn’t even begin to describe his work ethic. The high expectations this man holds himself to are truly inspiring. This review could go on for pages describing the hoops Jeff will jump through for you to be treated with respect and dignity. I will ALWAYS remember, recommend and honor him. Thank you, Jeff, for helping achieve my dreams!

Thank you for the wonderful x-mas card. By the way, everyone loved the apple pie you brought to closing. I have had many mishaps getting moved and settled in and I still wouldn’t have missed any of it for anything. It is truly beautiful up here and I thank you for the opportunity to get this home.

Peace Out!

We just wanted to thank you for the great work you’ve done for both homes we’ve now purchased! You have been a pleasure to work with and we’ve enjoyed the opportunities to interact with you!


Jeff did a great job in answering all of our questions in a timely manner. All of the documentation could be done via email. This made everything very easy. Once we closed on both house and paper work is complete Jeff is still available to answer questions even after his portion of the work iscomplete. Highly recommended.

Daniel P.