I specialize in fitting home buyer’s and homeowners into the best mortgage product to suit their needs.

Stewart
Hoyer

With over 20 years of personal mortgage lending experience, an inhouse team of processing, underwriting and management as well as the backing of over 100 years of experience of Home State Bank, we have what it takes to help.

I am a lifelong resident of Wisconsin and along with my Midwest values, communication throughout the loan process, listening to your needs, and always doing what is in the best interest of those I am working are the cornerstone principals of my business.

Our footprint may be here in the Midwest, but we have the ability to help those seeking a mortgage in most states. If we can help in any way, please reach out to me.

You're in Good Hands ...

Since 1915, Home State Bank has established a strong reputation with individual consumers, real estate professionals, and homebuilders.

You can be confident that your chosen mortgage consultant will guide and advise you on which product would best suit your unique home financing needs. We will provide loan status reports so that you are informed throughout the lending process.

Our online capabilities provide you with many conveniences that extend beyond normal business hours, however, we pride ourselves on establishing long-term relationships that are best formed through face-to-face interactions.

NMLS Institution ID N0. 478452

Get the Cash You Need

Owning a home is more than just a personal milestone; it's a smart financial move. Over the years, as you've diligently made mortgage payments, your home has likely appreciated in value. This means you've built up valuable equity.

Tap Into Your Equity

Imagine being able to unlock that equity for immediate needs. Meet Cash-Out Refinancing: your financial Swiss Army knife. By swapping out your existing mortgage for a new one—this time, one that’s larger than your outstanding balance—you can free up a lump sum of cash at closing.

But Why Consider Cash-Out Refinancing Now?

You might be wondering, with current mortgage interest rates, why go for a new mortgage that could have a higher rate? Great question. The power of Cash-Out Refinancing isn’t just in the immediate liquidity—it’s in the financial flexibility it offers. Many homeowners are using it to consolidate debts, which often have much higher interest rates.

Home Renovations: Investing In Your Sanctuary

Speaking of financial flexibility, let’s talk renovations. Upgrading your home isn’t just about slapping on a new coat of paint; it’s about enhancing your lifestyle and increasing your property value. A cash-out refinance is an excellent tool to fund these improvements. Whether you’re adding a home office, updating your kitchen, or finally building that dream backyard oasis, you’re not just making your home better—you’re making a long-term investment. Best of all, you’re improving on an asset you already own, thereby saving yourself the upheaval and expense of shopping for a new home in a market of escalating costs.

Call Stewart Today to Learn More!

Your Trusted Mortgage Expert

  • Home State did a great job of assisting us on the finance end of our search for a new home. Once the offer was made and the ball was rolling all staff contacts with Home State Bank were pleasant, professional, and timely. Would highly recommend them.
    Hurley W.
  • Working with Home State was easy. Very knowledgeable and explained every step taken on the way to purchasing our new home. I would highly recommend working with them.
    Jorge S.
  • My wife and I just completed a re-finance on our second home in Florida. Home State was awesome to work with, which did not surprise us since we have handled several mortgages for us in the past at HSB, always with great enthusiasm, professionalism, and communication. Excellence in action.
    Cliff J.

Partner with Stewart

(920) 570-2602

or write an e-mail

shoyer@homestbk.com

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Your recommendation would be a great help in fostering connections with professionals who share our commitment to exceptional service.

Our goal is to build a network of trusted advisors who can assist our clients, like you, with all aspects of homeownership and financial planning.