Meet Your Mortgage Matchmaker in La Crosse
Buying your first, second, or third home can be exciting and stressful. Our La Crosse mortgage loan officer is here to help turn your homeownership dreams into reality—without the stress. With a passion for guiding customers through every step of the mortgage process, Jared Wermager combines expertise, personalized service, and a genuine commitment to the community. Learn more about how he can help you achieve your homeownership goals in 2026.
“Buying a home creates a huge shift in life, so I like to look at the whole financial picture,” Wermager says. The process starts with reviewing the homebuyers' equity and then restructuring their debts to free up their income. This allows the buyer to pay down the debt faster, invest, or relieve cash flow challenges to optimize their finances.
A common misconception people have about acquiring a mortgage is that it’s going to be too expensive or that they need 20% down to make the purchase. “What people often forget is that there are creative solutions for financing, like splitting closing costs with the seller, using first-time home buyer programs to reduce the down payment, gift funds from family, down payment assistance, or special savings accounts,” he explains.
Wermager likes to set clear expectations from the start. He communicates weekly and ensures that he is accessible for any questions right away. “This keeps folks tuned in and feeling good through the entire process,” Wermager notes. He tells his clients not to apply for any form of credit, quit their job, or move money around once they have applied for a loan. It can jeopardize your loan approval.
To illustrate Wermager's diligence and personalized service throughout the process, he recounted a memorable experience. He says he worked with a couple who owned a specialized business classified as non-standard pay, but still within the guidelines of receiving a loan. Wermager went the extra mile to track their income and document it correctly. Everything went well during underwriting, and their loan was approved. And the best part, the couple was able to adopt their new foster children through this process.
To continue serving his customers to the best of his abilities, he reviews mortgage updates through various investors, government agencies, and mortgage organizations that post updates. He also believes in working with fellow lenders. “My fellow mortgage colleagues can be a wonderful source of information,” he says.
Outside of work, Jared is a devoted family man. He loves playing with his kids and antiquing with his wife. Together, they enjoy hiking, camping, and spending time on the water. Jared also enjoys reading, gardening, and archery deer hunting.
Connect with Jared Wermager by emailing him at [email protected] or calling 608-784-5368.