WFC Lending

Wisconsin Hard Money Lender for Real Estate Investors

Direct private lender since 2004. Business purpose loans for fix and flip, rental, bridge and construction.

Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST)Broker? Register in the portal

Est. 2004
Direct private lender
Lending in 41 states

Business purpose loans only. Not for owner-occupied or consumer purposes.

Wisconsin mortgage foreclosure is judicial: the court renders a judgment of foreclosure and sale, and for commercial and other non-owner-occupied property the statute allows a sale after 6 months from judgment, with a shorter period where the mortgagor agreed in writing. The state taxes conveyances through a transfer fee, with an exemption for conveyances made solely to provide security. Lien claims must be filed within 6 months of the last labor or materials, and the DNR runs a floodplain program.

World's Fair Capital makes business purpose loans to real estate investors in Wisconsin: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.

Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.

Which describes you?

I have a deal

Investor or borrower with a Wisconsin property.

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I am a broker

Place your client's Wisconsin deal through our portal.

See the broker program

I have a question

Talk to our team about your Wisconsin deal.

Call 800-590-7911

How a Wisconsin loan works with us

1
Start your application
Fill out a short application in our secure portal.
2
Review the term sheet
We prepare a term sheet for you to review and e-sign.
3
Underwriting
Our team works the file and sends a clear document checklist.
4
Closing
We close and fund through the title or closing agent.

What investors should know about Wisconsin

Judicial foreclosure

Wisconsin mortgage foreclosure goes through the courts. The statute directs the court to render a judgment of foreclosure and sale.

Source: Wis. Stat. 846.01, checked 2026-10-11

Sale timing after judgment

For commercial and other non-owner-occupied property, section 846.103 allows a sale after a set period from entry of judgment. A shorter period applies if the mortgagor agreed in writing to the section's provisions.

Source: Wis. Stat. 846.103, checked 2026-10-11

Mortgage as the security instrument

Wisconsin uses the mortgage on real property as the security instrument, and the statute says it creates a lien on the property.

Source: Wis. Stat. 708.01, checked 2026-10-11

Real estate transfer fee and security exemption

Wisconsin imposes a real estate transfer fee on conveyances. Section 77.25 exempts conveyances made solely to provide or release security for a debt, subject to its conditions.

Source: Wis. Stat. 77.22 and 77.25, checked 2026-10-11

Construction lien filing window

A lien claimant must file the claim within a fixed period from the last labor or materials furnished, which is relevant to draw timing on rehab and ground-up projects.

Source: Wis. Stat. 779.06(1), checked 2026-10-11

Floodplain management

The Wisconsin DNR runs a floodplain management program aimed at limiting development that raises flood levels, so floodplain status is worth checking on any parcel.

Source: Wisconsin DNR, Floodplains, checked 2026-10-11

General information, not legal or tax advice. Confirm details with your own counsel or title agent.

For brokers

Placing a deal in Wisconsin?

Your client stays your client. We work the deal with you, not around you.

Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.

Questions on a Wisconsin deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).

What to send for a first look

Property address and type
Purchase price, or current value on a refinance
Loan amount requested and what it is for
Rehab or construction budget, if any
Current or expected rent on a rental
The borrower's experience and estimated credit score
Your timeline to close

Loan programs for Wisconsin investors

Program availability varies by property and borrower. Business purpose loans only.

Have a deal in Wisconsin?

Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.

Start Your Application Request a Quote Register as a broker

Nothing on this website constitutes a commitment, approval, or guarantee of financing.

Rates, fees, terms, timelines, and program descriptions are subject to change without notice.

Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.