Home Loans & Mortgage Consultation In Wisconsin & Illinois


Explore purchase, refinance, and home equity loan options with a Wisconsin mortgage bank known for expert advice, competitive rates, and personalized guidance.

Mortgage Guidance for Every Stage of Homeownership


  • First-time home buyers: Learn your options, understand the process, and explore programs designed to make homeownership more affordable.
  • Home buyers in a competitive market: Strengthen your offer with financing strategies and programs like Ca$h Advantage.
  • Homeowners looking to refinance: Review current loan terms and explore whether refinancing can better support your goals.
  • Buyers with unique financial situations: Get personalized guidance instead of a one-size-fits-all loan recommendation.

Find Out About Your Options Today


It’s a great time to purchase a new home or refinance your existing loan. At Educated Mortgage, we’re committed to making your experience seamless and stress-free.

We process, underwrite, and fund all loans right here in our Madison office, ensuring faster service, personalized support, and lending decisions made by experts who understand our local market. Our team is led by the company owner, Dan The Mortgage Man O’Brien, and we are here to guide you every step of the way.

Clear Advice. Smart Options. A Team that Stays with You.


Great customer service: At Educated Mortgage we are dedicated to providing the highest level of customer service at all times. We are always here to answer questions and give great advice regarding your mortgage needs and financial goals.

Superior loans and mortgages: We offer the very best mortgage loan programs available with low interest rates and closing costs. As an independent mortgage banker we provide all products and low rates to confidently do business with one company. No wasting time with several banks or brokers.

Clients come first: Our goal is to make clients for life and we know the only way to do this is by consistently meeting or exceeding expectations. We only propose loan programs that make financial sense both short-term and long-term. Since we opened in 2007 our clients have been amazed by our outstanding service.

What our Customers Say


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Marina Younger profile picture
Marina Younger
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We had unexpectedly found our dream home and needed to get pre approved on what seemed like an impossibly short timeline to make an offer, but Dan came through for us and with a rate that beat all others. If you want a business that you can call that picks up the phone and it's exactly who you need to talk to, you've found the right place.
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Brett Peterson profile picture
Brett Peterson
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Dan, Heidi, and the Educated Mortgage team made the refinancing process a breeze and easy to understand. They answered every question we had. We definitely plan on working with them again.
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Holly Lowry profile picture
Holly Lowry
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Dan and his team helped me with a refi and it took forever (on my part not theirs :D) but his team and him answered all my questions and gave me what I needed to work on things and we got it done! Will definitely be going back to them when I need another refi.
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Chris B. profile picture
Chris B.
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Such a great experience! Dan & Heidi are relentless - so professional, such good communication and follow up, made everything super easy. The tools they use are also great. I shopped brokers and had a few I was dealing with and asking questions to, but in the end I'm so glad we chose Educated Mortgage for our recent condo purchase.
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Mike Layman profile picture
Mike Layman
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I absolutely love these guys! Best service, best prices and easy to work with
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Jessica Gilbertson profile picture
Jessica Gilbertson
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I can not say enough good things about Educated Mortgage. We had the pleasure of working with Dan and Heidi. From the beginning conversations with Dan to the loan application to the processes with Heidi all the way up through the closing, the experience was beyond exceptional. Communication with us very efficient and they worked very hard for us. Our situation was extraordinary and definitely presented challenges but they never gave up on us. We actually spoke with Dan several months prior to this and he gave us advise on things we needed to work on, which we did and when we called him back he was ready to go to work for us. Even after the closing, he will watch our loan and mortgage rates and let us know if and when the time could be right to refi. They are there for you from the beginning and we will still be there months or years down the road to help. Even if it is just to ask some questions. Educated Mortgage is just amazing.
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Carrie Neu profile picture
Carrie Neu
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Friendly people.
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Dan Davis profile picture
Dan Davis
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Great people to work with, made the process of the mortgage very easy to understand. Definitely would recommend
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Peggy Sheets profile picture
Peggy Sheets
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
It was out second time with Educated Mortgage and it went as smooth as first time.Dan and Heidi were great explaining things and keeping us informed.We refinanced out home,took care of some credit card and student loan debt and enough for a tree removal.and our mortgage is still affordable.we recommend them highly.Al and Peggy Sheets

Make a Stronger Offer with Ca$h Advantage


Ca$h Advantage helps qualified buyers make a stronger offer in a competitive market, even when they still need financing. It is designed to let you write an offer more like a cash buyer, which can give you an edge with sellers who value speed, certainty, and fewer contingencies.

  • First-time homebuyers
  • Buyers who need to sell their current home
  • Buyers competing against cash offers

What Working with Educated Mortgage Looks Like

Getting Started

Start with a free consultation or mortgage analysis.

Review

Review loan options based on your budget, goals, and timeline.

Approval

Get pre-approved and move forward with confidence.

Closing

Close with a team that stays responsive and proactive through the finish line.

Frequently Asked Questions


Questions about home loans are normal, and you should not have to guess at the answers. This section covers some of the most common things Wisconsin and Illinois buyers and homeowners ask us about mortgages, payments, and the process. If you do not see your question here, we are always happy to talk through your situation directly.

The best loan depends on your credit, down payment, monthly budget, and how long you plan to stay in the home. We’ll walk you through your options so you can choose the one that fits you best.

Yes, every mortgage loan we propose and close is customized to our clients’ mortgage needs specifically to maximum the loan benefits and accomplish their goals. Call us today and let us show how we can make a difference in your life.

You may not need 20% down to buy a home. Many loan programs allow lower down payments, and some buyers may qualify for no down payment at all depending on the loan program.

Timelines can vary, but once you’re under contract, the process usually moves through application, approval, appraisal, and closing. We’ll keep you updated at each step.

Common documents include recent pay stubs, W-2s or tax returns, bank statements, and basic information about debts and assets. Having these ready can help speed things up.

Mortgage Resources


Helpful information and mortgage calculators to help answer any questions you might have.

Get Your Free Mortgage Consultation


Reach out for a no-obligation mortgage consultation. We’ll discuss your goals, options and give you a path to homeownership. Questions? Call “Dan The Mortgage Man” for expert advice for the whole process.