Fixed Loans


Find the home loan option that’s right for you. Start with a Free Mortgage Consultation.

30-year and 15-year Fixed Rate Loans are the Most Popular Loans

If you plan to stay in your home for many years, a fixed-rate mortgage can provide stability with a predictable monthly payment. Educated Mortgage is happy to offer fixed rate mortgages for any term you desire up to 30 years. We can tailor your loan term to achieve your goals on your timeline.

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Choose Your Option.

Benefits of Fixed Loans


  • 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
  • Lock in the largest part of your housing expense for a long period of time while household income typically increases over time

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
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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

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.

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.