Educated Mortgage Services, LLC

Benefits of Adjustable Loans

For clients who anticipate a significant increase in income or property value in the next several years, plan short-term stays in their home, or would like to significantly lower their mortgage payments, an adjustable rate mortgage loan may be the right option. As the name implies, ARMs have interest rates that change at a pre-determined interval.

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.
Starting interest rate may be lower than fixed rate loan
Potential payment savings can be used to pay down other debt
Great option for clients who intend to refinance or sell home in a certain period of time

Get a No-Obligation Rate and Closing Cost Analysis!

Choose Your Option.

PURCHASE A HOME REFINANCE MORTGAGE REFINANCE WITH CASH-OUT

Customer Reviews

"When we decided to buy our first home we definitely didn't know what to expect, especially with the intimidating peculiarities of a VA home loan in a very aggressive market. Dan, Heidi, and Tomala helped us navigate the home loan process and got us a fantastic loan which landed us an amazing home. You know you picked a great lender when both realtors compliment how "awesome" your lender is, and how much they "really like your lender." What are you still reading this review for? Call them, NOW!!!"
John Hanson
"I've completed a new mortgage and refinance with Dan & Heidi--both experiences were amazing. Everything was completed quickly and accurately. Don't worry about having to commute to Sun Prairie, the application process is electronic and closing was at my home. I'd recommend Educated Mortgage Services to anyone looking to buy or refinance their home mortgage. They truly are on your side. Thank you for helping me save over 1.5%!"
Jim Palmer
"Dan and his team were the best to work with. With my job I never know what time I will be off work and he was able to work around that. They answered all of my questions and they always got back to me in a timely manner. Whether you are a first time home buyer, or buying a home for the second time I would highly recommend Educated Mortgage."
Troy Tischler
"Dan O’Brien was the most helpful lender I have ever worked with. He was professional and understanding when it came to my budget and goals. He made us feel comfortable and at ease when discussing our budget and what we could afford. Dan was also very thorough and took time to go through a number of different scenarios to help us find the right loan to find our dream home. I have never received this level of customer service from any lender we have contacted. I highly recommend working with Dan and his staff!"
Shane Ryan
"They take the time to help you figure out what you need to do to get you where you need to be. You re not just a number. Will def be back."
Justin Phar
Dan and Heidi did amazing making our loan process go smooth. Highly recommend Educated Mortgage.
Jeff Gill
We've used Dan twice now, both times he made the whole process easy. Always on top of things, communication is always perfect from the beginning to the end.
Brian Madl

educatedmortgage.com - residental mortgages in your area

Adjustable Rate Mortgage Loans (ARM)

Benefits of Adjustable Loans

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.

Starting interest rate may be lower than fixed rate loan

Potential payment savings can be used to pay down other debt

Great option for clients who intend to refinance or sell home in a certain period of time

Get a No-Obligation Rate and Closing Cost Analysis!

Choose Your Option.

Customer Reviews

"They take the time to help you figure out what you need to do to get you where you need to be. You re not just a number. Will def be back."

Dan and Heidi did amazing making our loan process go smooth. Highly recommend Educated Mortgage.

We've used Dan twice now, both times he made the whole process easy. Always on top of things, communication is always perfect from the beginning to the end.

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