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GSF Mortgage is a full-service mortgage lender. With 20+ years of lending experience, we are an industry leader in mortgage products and customer service!  We offer creative financing, competitive rates, and competitive closing costs! Don't qualify for a mortgage right now? We also offer credit repair tips that can usually turn your credit situation around in 30-90 days! Want to build a home? We offer a low money down, hassle-free loan!  Apply today!  Applications are free and your dream home is just a few clicks away!

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Steps to Buying Your First Home

February 02, 2017

Buying your first home can be both an exciting and stressful experience. But the good news is there are many ways to plan ahead to make it a much better and easier process. The most important thing when buying your first house is to really commit to it and make sure you’re ready to buy, both financially and emotionally. Take a look at your goals for the future; do you plan on staying in this home for more than 5 years?  Do you have enough money for the down payment, closing costs and ... Read More

20% Down Payments are No Longer a Must

December 14, 2016

Years ago, before buying a home you would need to wait a significant amount of time in order to save enough money to put twenty percent down on the home. There are many different low- or no-down payment programs that allow home buyers to purchase a home without having to put that 20% down. This allows buyers to get the house they want without having to wait years to save up enough money. Along with this, the less money you put down originally, the more money you have left in your pocket, al... Read More

Psychology of Buying and Selling

August 25, 2016

Homes come with far more emotional weight than any other investment we make. A home is a place where we grow our families and sometimes the emotions behind this investment can blind us when it comes time to buy or sell. We can let these emotions blind us to the cold hard facts about the market or realities of ownership. Ignoring outside things can lead us to making bad financial decisions that can affect our future for years. When selling a home, homeowners tend to have a better view of their ho... Read More

Why to Get Pre-Approved First

August 25, 2016

Shopping for a home without a pre-approval is like going to the store without money. You have the desire to buy but you do not have the ability. A pre-approval is the evaluation of a borrower by a lender to see if the borrower qualifies for a loan along with the maximum amount they qualify for. There are many reasons to get pre-approved before even looking at any houses.A pre-approval carries more weight than a pre-qualification. A pre-qualification is solely used as an estimate for how much a p... Read More

Reasons to Refinance

August 25, 2016

For many people the purchase of a home is the biggest purchase they will make in their entire life. If it is possible to save even a little on the mortgage, why not?There are many reasons to refinance your mortgage; one being to shorten the term of your loan. For example if you are currently paying a 30-year loan, the payments may be smaller than if you had a 15-year loan, but if it fits into your budget to up monthly payments a little, it might be in your favor to switch over. This is because w... Read More

Maximizing Credit Score

August 25, 2016

Buying a home can be a long process, but there are ways that can help get you in to your new home at a faster pace. In order to get a mortgage for your home you need to have a credit score of 540 or higher. If your credit score is below that you are unable to apply for a mortgage and if it’s around that, your interest rate on the loan will be higher than if you had a higher credit score. There are many ways to help you reach this better score and easier home buying process.One way is to pa... Read More

What Changes Mortgage Rates

August 25, 2016

It is not an unknown fact that mortgage rates can change monthly, weekly, and even daily. Mortgage rates change over time with the interaction of supply and demand for money in the economy. There are many factors that go into what makes up a mortgage rate and why it fluctuates so often.There are many factors that go in to a mortgage rate such as your credit score. This is used to predict how reliable you will be in paying off your loan. The higher your credit score, the lower rate you will be ab... Read More

2016 is the Time to Buy

August 24, 2016

Whether you are a first time homebuyer or back out in the market for a new home, 2016 is the time to buy. Interest rates are at an all-time low and are expected to rise in the near future. Along with this, prices of homes are also expected to rise. Therefore, if you are shopping for a new home now is the time to lock in that lower rate and price. The quicker you buy a home, the more home you can afford. Homeowners who are not looking to buy a new home should look into refinancing now if their ra... Read More

Why More Young Adults Continue to Live at Home

August 23, 2016

A recent study done by Pew Research Center shows that more young adults are living back at home with their parents than with a partner or spouse in a home of their own. The study was conducted within the ages of 18-34. Even though college graduates are the least likely to move back in with their parents, we are still able to see an increase among this group of people as well. The question is, why is moving back into the nest we have all been working to get out of becoming the new trend? While th... Read More

Welcome to our new website!

August 21, 2016

We have recently released our new website. We'll be posting new information about the benefits of our mortgage programs here soon!... Read More

Loan Programs

USDA A USDA mortgage is guaranteed by the US Department of Agriculture. USDA home loans are no money down, 100% financing in rural areas of Wisconsin.

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VA VA loans are established by the United States Department of Veteran Affairs to eligible veterans and their families obtain home financing. They offer up to 100% financing on the value of a home.

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FHA FHA loans are government back loans insured by the Federal Housing Administration (FHA). FHA loans are designed for borrowers who are unable to make a large down payment and have lower credit scores/credit issues in the past. Calculate Payment
Conventional Conventional loans follow the guidelines of government sponsored enterprises (GSEs). Borrowers with a stable job, income, and good credit are great candidates for this loan program.

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Tad Ries

Hello! My name is Tad Ries. I am a Regional Branch Manager for GSF Mortgage Corporation, located at Little Chute Wisconsin (Appleton/Green Bay area). I have been assisting individuals and families in achieving their dreams of becoming homeowners for the past 20+ years. With my extensive experience, I manage their mortgages by keeping them up to date with the best possible loan for their situation. I would be honored to assist you with your next home purchase or refinance.

Since the beginning of my career as a loan officer in 1995, I have worked my way up the corporate ladder. I have been honored with many awards including superstar of the year, partner of the year and top performer for many years running for GSF Mortgage.

I am also the owner of RCV Properties, LLC and Ries Custom Homes. RCV Properties is a rent-to-own based company that has helped dozens of families realize the dream of home ownership. Ries Custom Home is a custom home-building company allowing for a lower down payment than conventional construction loans. For only $10,000 down (about 5%), I will build you a custom turn-key home. I buy the lot; you choose the custom layout and designs of the home. When the construction is complete, I sell it to you and do the financing to be sure you are getting the best interest rate and term available. I apply your $10,000 deposit to your down payment and closing costs at closing. Down payments of 20%+ for a construction loan is no longer needed. I am not aware of any other builder offering this!

Outside of work, I enjoy the outdoors, including hunting fishing, snowmobiling and boating, along with spending time with my family.

I appreciate your business and look forward to hearing from you!