Buy with Power

How Our Ca$h Advantage Program Works. Win the home you love by making a cash offer even if you're financing.

What Is a Ca$h Advantage Program?

A Ca$h Advantage Program allows homebuyers to make an offer on a home like a cash buyer, even though we will provide you with financing, because we fully guarantee the loan approval and funds upfront to you and the seller. Cash offers are more attractive to sellers because they’re faster, more reliable, and less likely to fall through.

How Does Our Ca$h Advantage Program Work?

1. Full Underwriting Approval
Apply for our Ca$h Advantage Program to confirm your eligibility and set your budget up front.

2. Find Your Home
Start house hunting! Knowing your offer will stand out will provide the confidence and competitive advantage you need to win the bid, even in a bidding war.

3. Make an Offer Like a Cash Buyer
With no financing, appraisal, or contingency to sell your current home your offer will be very attractive to the seller. We fully guarantee the funds are available to close.

4. Win the Deal
Sellers love the speed and certainty of cash offers. You get the advantage without needing to have the cash yourself.

5. Close with Financing
On the day of closing we will provide you with a mortgage loan and you take ownership of your new home!

See if You Qualify Contact a Loan Expert

Ca$h Advantage FAQs

Who Can Use A Cash Advantage Program?

  • First-time homebuyers

  • Buyers who need to sell their current home

  • Anyone using a mortgage but competing in a seller’s market

  • Buyers looking to eliminate contingencies for a smoother offer



Is There a Cost?

There is no cost to enroll in the Ca$h Advantage Program. Standard mortgage closing costs apply.

How Do I Get Started?

Schedule a consultation with Educated Mortgage to learn about Ca$h Advantage options available in your area.

Ca$h Advantage FAQs

Helping First-Time Home Buyers & Homeowners Across Wisconsin

At Educated Mortgage Services, 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, VA, and jumbo loan options for those looking to refinance or purchase a new home.

Below are some of the cities we serve, but we aren't limited to these locations: