Brett Kemmer

AVP Mortgage Lender - Relationship Manager
La Crescent, MN / La Crosse, WI Areas

NMLS# 411288

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With more than 20 years of experience in the mortgage and banking industry, Brett has become an expert in helping people make their dream of home ownership a reality.  He believes that Home Federal is large enough to offer a wide range of loan products and services, but also small enough to remember your name and provide personalized solutions for you.  You can trust Brett to use his expertise to make the home buying experience a smooth, successful, and enjoyable one.

First time buying a home?

As a first-time buyer, you may have a number of questions about the home-buying process such as, "How much should you save for a down payment?"  or "What does 'pre-approved' mean?"  With his in-depth knowledge about the current housing market, Brett will answer all your questions, help you find the home loan that's right for your first home purchase. and guide you through every step of the home-buying process.

Brett's advice: "With how quickly homes are selling in today's market, it's very helpful to do your research, know what you want in a home, and be ready to act on it once you see it."

Looking to buy your next home?

Whether you're interested in buying your next "forever home" or building a new one, Brett is the Mortgage Lender you want on your side as he will keep your financial goals in mind as he explores all of your home loan options.  Contact Brett to discuss the loan programs Home Federal offers for current homeowners.

Interested in refinancing an existing loan?

Whether you've considered refinancing your existing home loan before or not, you should know when interest rates improve, refinancing could help you consolidate debt, shorten the term of your loan, eliminate private mortgage insurance, and more.  Set up a no-obligation meeting with Brett to discover what refinancing could look like for you.

What else can I help you with? 

As a Relationship Manager, Brett can assist you in many ways other than just home financing.  He has access to all of Home Federal's banking and lending products and services available. If you're looking to pay for life's expenses or a home improvement project, Brett can assist with home equity loans and lines of credit. If you're more interested in saving for the future, Brett can also help with opening interest-earning accounts such as Certificates of Deposit and Money Markets.

Get in touch with Brett for to get any of your financial questions answered! If you're ready to apply for a loan, you can fill out your loan application online.


“Brett was the best bank representative I have ever worked with.  He was available, easy to communicate with, and was our advocate for the entire process.  He went out of his way to support us through the prcoess.  I would strongly recommend Home Federal and Brett specifically for mortgages.”
“It was such a pleasure working with Brett!  He is very professional.  It is very clear he is an expert loan officer.  He was always available, patient, and took the time to answer my questions and explain everything I didn't understand.  His determination and hard work in finding the best option available for my first home purchase is so very appreciated.  The execution of the finalization and transfer of funds for my closing was seamless and hassle free.  Thank you to Brett and Home Federal for making such a stressful process so much easier.”
“Brett truly made refinancing our mortgage so easy. It was our best banking experience ever. Great guy who really knows his stuff!”


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Brett Kemmer
Brett Kemmer
NMLS# 411288