VA Loans - Educated Mortgage

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Whether you’re buying your first home or you’re an experienced buyer, we have a home lending solution just for you.

A VA loan is Perhaps the Most Powerful and Flexible Lending Option on the Market Today

Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders, like us, greater protection when lending to military borrowers which allows us to offer the lowest rates available to qualified veterans.

VA Loans: Your Hard-Earned Homeownership Benefit

Served your country but struggling to find your way to homeownership? While non-military homebuyers scramble to make big down payments and meet rigid credit requirements, you’ve earned access to one of the best mortgage benefits around, and most veterans don’t know the full extent of benefit they receive.

VA home loans reward your service with zero down, no mortgage insurance, and low interest rates that make homeownership easy and affordable.

      EXCELLENT  
   Based on 70 reviews 
    
 
 
 
   
 
 
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   Marina Younger 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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. 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 
 
 
 
 Trustindex verifies that the original source of the review is Google. I absolutely love these guys! Best service, best prices and easy to work with
  
 
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   Jessica Gilbertson 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 
 
 
 
 Trustindex verifies that the original source of the review is Google. Friendly people.
  
 
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   Dan Davis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great people to work with, made the process of the mortgage very easy to understand. Definitely would recommend
  
 
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   Peggy Sheets 
 
 
 
 Trustindex 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

Benefits You’ve Earned Through Service

The VA loan program provides benefits unmatched anywhere else solely for veterans, active duty military, and eligible surviving spouses:

Zero down payment required on most homebuying transactions
No mortgage insurance premiums
Low 30 year fixed interest rates
More flexible credit guidelines that recognize your service
Reusable benefit for future home purchase

At Educated Mortgage, we honor your service by making the VA loan easy and convenient so that you can make the most out of every benefit you’ve earned.

Savings that Compound Over Time

Mortgage insurance elimination saves you an additional $200+ per month, that’s over $72,000 throughout the term of a 30-year loan. Couple this with favorable VA rates, and you’re discussing savings that can amount to over $100,000 compared with conventional lending.

These aren’t numbers on paper, they’re actual dollars to put in the bank, save, or use to build the life you fought to preserve.

Claim Your Benefit Today

Your VA loan benefit is waiting, and our Free Mortgage Consultation shows you just how much you’ll save compared to other loans.

Call us today for your free consultation with VA loan specialists who appreciate military service and respect the sacrifice it embodies behind your benefits. Educated Mortgage specialists will help you make the most of the benefit you’ve earned through your commitment to our country.

Who Can Get a VA Loan?

This hard-earned and well-deserved benefit is available to those that have served or currently serve our country so proudly. The VA will issue a qualifying veteran or military member a Certificate of Eligibility (COE). Veterans and military members are able to request this through the VA or we will be happy to request and obtain on their behalf. There are no income limits on the VA loan and it will provide financing on 1-4 unit residential properties to be used as primary residences. To qualify for a VA loan, you’ll need a valid COE, minimum 580 credit score, and maximum debt to income ratio of 45% (exceptions made up to 55% with compensating factors). The loan terms of the VA loans are typically the best we have to offer any veteran or military member client. We strongly encourage anyone eligible for the VA loan to explore it as an option before settling on a different mortgage loan as it’s usually their best option.

Benefits of VA Loans

Buy a home with 0% down
Cash out refinance to 100% of the current value of your home to consolidate debt, do home improvements, pay for college, or any other reason
IRRRL (Interest Rate Reduction Refinance Loan) is fast and easy way to reduce your interest rate/payment with no appraisal and little or no closing costs
No monthly mortgage insurance payment regardless of down payment or equity
Additional benefits to lower mortgage cost for veterans that receive a disability benefit
Clients with a previous bankruptcy can qualify 2 years after discharge
Clients with a previous foreclosure can qualify 2 years after sheriff’s deed transfer

VA Loans & Mortgage Consultation In Wisconsin

Purchase Solutions Right For You!

Find out about your options today!