meet our Team

We Are Here to Help You!

Whether you’re buying a home, refinancing your mortgage, or simply have questions, our team is always ready to assist. Feel free to call or contact us anytime – we’re here to make the mortgage process smooth and stress-free. At Educated Mortgage, we handle everything in-house – processing, underwriting, and funding – all from our Madison office. This allows us to provide outstanding local service with faster turnaround times and personalized support you can trust. Our experienced team is committed to tailoring the right loan for you while ensuring a transparent and efficient process. Apply now, and let us put our expertise to work for you.
Dan O’Brien

Dan O’Brien

President & Loan Officer

NMLS ID 222714
Phone: 608-834-5000


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Heidi Kottwitz

Heidi Kottwitz

Vice President & Operations Manager

Phone: 608-834-5000



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Joe Boyle

Joe Boyle

Sales Manager & Loan Officer

NMLS ID 400581
Phone: 608-217-9968


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Chris Lindwall

Loan Partner

NMLS ID 299370
Phone: 608-834-5000


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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: