Compare Home Loans & Mortgage Options

Find your path to homeownership. Compare your home loan options with Educated Mortgage or reach out for a free mortgage analysis.

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Which home loan option is right for you?

Finding the perfect home loan shouldn't feel like solving a puzzle. Every homebuyer faces unique financial circumstances, and the right mortgage solution depends on your budget, credit profile, and homeownership goals. We understand that choosing the wrong loan can cost you thousands of dollars and create unnecessary stress throughout your homebuying journey.

The good news? Multiple loan options exist to match your specific situation, and understanding these choices empowers you to make confident decisions about your financial future.



Fixed Rate 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


Adjustable Rate 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.



Conventional Loans

  • Great loans for high credit scores and/or large down payment/equity

  • Purchase and Refinance loans available for Primary Residences, Second Homes, and Investment Properties

  • Buy a home with as little as 3% down

  • Refinance loans up to 95% of the current value of your home



FHA Loans

  • Great loans for less than perfect credit scores and/or low down payment/equity

  • Purchase and Refinance loans available for Primary Residences

  • Buy a home with as little as 3.5% down

  • Refinance loans up to 97.75% of the current value of your home



VA Loans

  • Great loans for Veterans and current military members with VA Home Loan eligibility

  • Purchase and Refinance loans available for Primary Residences

  • Buy a home with 0% down

  • Refinance loans up to 100% of the current value of your home



USDA Loans

  • Great 0% down payment loan available to non-Veterans

  • Property must be located in eligible area (rural/less populated areas)

  • Purchase and Refinance loans available for Primary Residences

  • Refinance loans only available to current USDA mortgage loan holders



WHEDA Loans

  • Great loans for first time home buyers and Veterans with little or no money down

  • Property must be located in Wisconsin

  • Below market 30 year fixed rates available

  • Buy a home with no money out of pocket



Home Equity Loans

  • Fixed interest rate for the life of the loan

  • Fixed monthly payments for a set repayment term

  • Get the cash you need without changing the interest rate on your 1st Mortgage

  • Having a pool of cash available at closing

Choose the Right Path With Educated Mortgage

Your ideal loan combines your financial capacity with your homeownership timeline. A first-time buyer with limited savings might thrive with an USDA or WHEDA loan, while a veteran could maximize benefits through a VA loan. Lower credit score buyers may be surprised to find out how low the interest rate and down payment are with a FHA loan.

The key lies in matching your unique situation with the right loan program. This decision impacts your monthly budget, long-term wealth building, and overall homeownership experience.

Don't navigate these choices alone. Contact Educated Mortgage today for expert mortgage consultation. Our experienced loan officers analyze your specific financial picture and recommend the loan option that best serves your homeownership goals. We simplify the complex mortgage landscape, ensuring you secure financing that fits your budget and supports your future success.

Your dream home awaits - let us help you choose the right path to get there.



Free Mortgage Analysis

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.