Our Team


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We Are Here to Help You!


Whether you’re buying a home, refinancing your mortgage, or simply have questions, our team is always ready to assist. Feel free to call or contact us anytime. We’re here to make the mortgage process smooth and stress-free. At Educated Mortgage, we handle everything in-house – processing, underwriting, and funding – all from our Madison office. This allows us to provide outstanding local service with faster turnaround times and personalized support you can trust. Our experienced team is committed to tailoring the right loan for you while ensuring a transparent and efficient process. Apply now, and let us put our expertise to work for you.

President & Loan Officer, NMLS ID 222714

608-834-5000 dan@edumtg.com

Dan O’Brien


Dan “The Mortgage Man” O’Brien opened Educated Mortgage in 2006 on the foundation of offering the highest level of customer service along with the best interest rates and loan programs available for all credit types. He has been a Loan Originator since 2006 and a graduate of University of Wisconsin – Madison, earning his Bachelor of Science in Economics. He is committed to offering multiple loan options, explaining the pros and cons of each, and helping you make informed decisions. Your financial situation in two, five, or even thirty years from now is as important as your financial situation today. He will not hesitate to provide you with practical advice regarding your credit, improving your financial position, or enhancing your ability to own a home. Thousands of happy customers have experienced the difference working with Dan has made in their financial lives and he’d like to help you too.

Vice President & Operations Manager

608-834-5000 heidi@edumtg.com

Heidi Kottwitz


In 2007, Heidi was honored to join forces with Dan O’Brien and Educated Mortgage. She is best described by her friends and family as dedicated, hard-working, and loyal. When you get the chance to work with her, you will realize that she consistently carries those admirable traits over to her professional life as well. Heidi is multi-talented, efficient, and can handle any task that comes her way – she’s the MVP of the office! A passion for helping people guides her through her days. She understands that buying a home is the biggest purchase you will make in your life and how important it is to navigate you through the process. She is very patient and easy to talk to. Her goal is to provide an enjoyable experience for all the Educated Mortgage clients and create relationships that extend beyond the completion of a transaction. Heidi has been in mortgage lending since 2001 and she has the experience to walk you through every step of the way!

Loan Partner, NMLS ID 299370

608-834-5000 chris@edumtg.com

Chris Lindwall


Chris is a Loan Partner at Educated Mortgage, and a graduate of the University of Wisconsin-Madison. With over 25 years of mortgage lending experience, helping first-time home buyers to experienced homeowners; he is committed to providing our clients with excellent service ensuring they are well informed every step of the way. When not working Chris enjoys spending time with his wife, their three children, and golden doodle Holly. Chris looks forward to working with the team at Educated Mortgage to make sure your mortgage process goes smoothly, from application to closing.

Find out about your options today!


We’re committed to making your mortgage 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.