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First Time Homebuyer’s Guide to Sullivan, WI: Your Road to Homeownership

Buying your first home is a big deal and Sullivan, WI has the right amount of small-town charm, beautiful scenery and community focused living for first time homebuyers. As you start this journey, understanding the homebuying process and the benefits of Sullivan can make it easier and more fun.



Here’s what first time buyers in Sullivan, WI need to know to make their dream of homeownership a reality.


First Time Home Buyer Sullivan WI: Why Choose Sullivan?

Located in Jefferson County, Sullivan is a small and beautiful town known for its friendly community, outdoor activities and proximity to bigger cities like Milwaukee and Madison. Here’s why first-time buyers love Sullivan:

  • Affordable Housing: Sullivan has competitive pricing.
  • Community Spirit: Events, local businesses and friendly neighbors.
  • Nature and Recreation: Parks, trails and lakes nearby.
  • Easy Commute: Sullivan’s location has easy access to major highways so commutes to surrounding cities are a breeze.
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Community Overview

The village of Sullivan, Wisconsin, is a charming community nestled in Jefferson County, about 30 miles west of Milwaukee and 40 miles east of Madison. According to the United States Census Bureau, Sullivan boasts a population of approximately 651 residents, offering a small-town feel with the convenience of urban amenities just a short drive away. Covering a total area of 1.14 square miles, the village is situated at the intersection of Main Street (Hwy 18 and Hwy F) and Palmyra Street (Hwy E), making it a quaint yet accessible place to call home.


Quality of Life

Sullivan, Wisconsin, is synonymous with a high quality of life, characterized by a strong sense of community and a plethora of amenities. The village hosts a variety of community events and activities, including lively festivals, vibrant parades, and bustling farmers’ markets, fostering a close-knit atmosphere. Outdoor enthusiasts will appreciate the nearby parks and lakes, perfect for recreation and relaxation. With a median age of 38.6 years, Sullivan is an attractive option for families and first-time homebuyers seeking a welcoming and engaging community.

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First Time Homebuyer Steps in Sullivan

1. Determine Your Budget

The first step is to figure out how much you can afford. Consider your income, savings and monthly expenses. Many first-time buyers in Wisconsin also qualify for down payment assistance programs, which are often targeted towards individuals earning significantly lower than the median income in their area, making homeownership more achievable.


2. Get Pre-Approved for Down Payment

Pre-approval for a mortgage shows the seller you’re serious about buying and gives you a clear idea of what you can afford. As a local mortgage expert, I can walk you through the pre-approval process and get you ready to make an offer.


3. First Time Homebuyer Programs

Wisconsin has programs for first time buyers including WHEDA (Wisconsin Housing and Economic Development Authority) loans. These programs offer lower interest rates, lower down payments and even grants for qualified buyers. Additionally, there are down payment grants aimed at covering costs associated with making a purchase, as well as specific programs that assist first-time buyers in acquiring foreclosed properties.


4. Work with Local Experts

Sullivan’s market is different so working with a local real estate agent and mortgage professional will help you find the right home and financing.


5. Focus on What Matters

Make a list of your wants, whether it’s a big backyard, proximity to schools or easy access to nature. Knowing what you want will help you narrow your search and stay focused.

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Education and Healthcare

Education and healthcare are cornerstones of the Sullivan, Wisconsin, community. The village is served by the Jefferson School District, which operates a nearby elementary school dedicated to providing high-quality education through a range of academic and extracurricular programs. For healthcare needs, residents have access to several hospitals and medical centers, including the Fort HealthCare hospital in Fort Atkinson. These facilities offer comprehensive services, from primary care and specialty care to emergency services, ensuring that all residents’ health needs are well met.


First Time Buyer Loans

As a first-time buyer you have several loan options:

  • FHA Loans: Government backed loans with lower down payments and perfect for buyers with little to no savings.
  • USDA Loans: For homes in rural areas, USDA loans have low interest rates and no down payment. Sullivan’s rural setting makes this a great option.
  • VA Loans: For eligible veterans and active-duty military, no down payment and competitive rates.
  • Conventional Loans: For buyers with good credit and 3% down.


Some loan programs and financial assistance options, such as nonprofit programs and down payment grants, are targeted towards individuals earning significantly lower than the median income in their area. This often helps low- or moderate-income borrowers navigate the home buying process.


Why Dan Kahn?

As a local mortgage expert, I help first time buyers through the mortgage process. From pre-approval to closing on your dream home I’m here to walk you through it all.


My goal is to make your home buying experience as easy and stress free as possible and get you the right financing for you.


Get Started

Buying your first home in Sullivan, WI is a big deal. With the right tools and guidance, you can feel confident and find a home that fits your lifestyle and budget. It's important to understand the financial assistance programs available to help with the purchase of a home.



Ready? Contact me today to learn more about first time buyer options and get started!

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