Compare Home Loans & Mortgage Options


Find your path to homeownership. Compare your home loan options with Educated Mortgage or reach out for a Free Mortgage Consultation.

Which Home Loan Option is Right for You?


Finding the perfect home loan shouldn’t feel like solving a puzzle. Every home buyer faces unique financial circumstances, and the right mortgage solution depends on your budget, credit profile, and homeownership goals. We understand that choosing the wrong loan can cost you thousands of dollars and create unnecessary stress throughout your homebuying journey.

The good news? Multiple loan options exist to match your specific situation, and understanding these choices empowers you to make confident decisions about your financial future.

  • 30, 25, 20, 15, and 10 year terms are most common fixed rate loans, but you can choose any term you’d like up to 30 years
  • Interest rate never changes
  • Monthly principle & interest never changes
  • 3/1, 5/1, 7/1, and 10/1 ARMs (Adjustable Rate Mortgage) available
  • The rate is fixed for only the first 3, 5, 7, or 10 years depending on the chosen loan program and then adjusts annually for the remaining term based on market conditions
  • Monthly payments are based on a 30 year repayment schedule
  • Great loans for high credit scores and/or large down payment/equity
  • Purchase and refinance loans available for primary residences, second homes, and investment properties
  • Buy a home with as little as 3% down
  • Refinance loans up to 95% of the current value of your home
  • Great loans for less than perfect credit scores and/or low down payment/equity
  • Purchase and refinance loans available for primary residences
  • Buy a home with as little as 3.5% down
  • Refinance loans up to 97.75% of the current value of your home
  • Great loans for veterans and current military members with VA home loan eligibility
  • Purchase and refinance loans available for primary residences
  • Buy a home with 0% down
  • Refinance loans up to 100% of the current value of your home
  • Great 0% down payment loan available to non-Veterans
  • Property must be located in eligible area (rural/less populated areas)
  • Purchase and refinance loans available for primary residences
  • Refinance loans only available to current USDA mortgage loan holders
  • Great loans for first time home buyers and veterans with little or no money down
  • Property must be located in Wisconsin
  • Below market 30 year fixed rates available
  • Buy a home with no money out of pocket
  • Fixed interest rate for the life of the loan
  • Fixed monthly payments for a set repayment term
  • Get the cash you need without changing the interest rate on your 1st Mortgage
  • Having a pool of cash available at closing
  • Use the equity in your current home to buy before you sell
  • Strengthen your purchase offer with no contingency to sell your current home
  • Reduce stress of same-day closings and make your move easier
  • Short-term loan, best for homeowners planning to sell soon

Choose the Right Path with Educated Mortgage


Your ideal loan combines your financial capacity with your homeownership timeline. A first-time buyer with limited savings might thrive with an USDA or WHEDA loan, while a veteran could maximize benefits through a VA loan. Lower credit score buyers may be surprised to find out how low the interest rate and down payment are with a FHA loan.

The key lies in matching your unique situation with the right loan program. This decision impacts your monthly budget, long-term wealth building, and overall homeownership experience.

Don’t navigate these choices alone. Contact Educated Mortgage today for expert mortgage consultation. Our experienced loan officers analyze your specific financial picture and recommend the loan option that best serves your homeownership goals. We simplify the complex mortgage landscape, ensuring you secure financing that fits your budget and supports your future success.

Your dream home awaits – let us help you choose the right path to get there.

Helping First-Time Home Buyers & Homeowners Across Wisconsin


At Educated Mortgage, we provide expert mortgage solutions for first-time home buyers and all home purchasers across Wisconsin. Whether you’re looking for a low down payment option through WHEDA’s first-time home buyer programs or a conventional loan, we offer tailored financing solutions to meet your needs.

WHEDA loans provide affordable pathways to homeownership with down payment assistance and competitive rates, making it easier for first-time buyers to transition from renting to owning. Additionally, we offer conventional, FHA, and VA loan options for those looking to refinance or purchase a new home.

A joyful couple celebrating in front of their newly purchased house on a sunny day.

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.