Business Details
Your Trusted Mortgage Partner in Wisconsin
MadisonMortgageGuys has been a trusted partner in the mortgage industry for over 17 years, dedicated to connecting consumers with state-licensed loan officers who provide personalized guidance through the home financing process. Our team prioritizes transparency, offering expert advice on a wide range of mortgage programs including FHA, VA, USDA, and conventional loans to meet diverse housing needs. With a commitment to exceptional customer service, we assist clients in navigating loan options, refinancing opportunities, and real estate tips tailored to their unique financial situations.Licensed in 27 states, our professionals are available for appointments during regular business hours, evenings, weekends, and even at clients' homes when necessary. Our mission is to demystify mortgage financing while upholding the highest standards of professionalism and client satisfaction.
Services
FHA Loans
VA Mortgages
USDA Loans
Conventional Loans
Refinancing Options
First-Time Buyer Programs
Investment Property Loans
Jumbo Loans
Home Equity Financing
Loan Calculators
Highlights and features
- 17 years of mortgage industry experience with state-licensed professionals
- Personalized loan officer matching for tailored financial solutions
- Transparent process with no hidden fees or surprises
- Comprehensive educational resources for informed decision-making
- Flexible appointment options including evenings and weekends
Associations and certifications
- BBB Accredited Business
What people say
Expert guidance
Transparent process
Successful closings
Responsive team
Educational resources
Services
FHA Loans
FHA loans provide low-down-payment options for first-time homebuyers with flexible credit requirements. These government-backed mortgages allow 3.5% down payments and gift funds for closing costs. Our specialists guide clients through FHA purchase loans, streamline refinancing, and 203k renovation programs for properties needing repairs.
VA Mortgages
VA loans offer zero-down-payment options for eligible veterans and active-duty personnel. Our team processes VA purchase loans, streamline refinances (IRRRL), and cash-out refinances with competitive rates. We assist with certificate of eligibility verification and second-tier entitlement applications for qualified borrowers.
USDA Loans
USDA loans enable no-money-down financing for properties in designated rural areas. Our experts check eligibility using USDA maps, explain income limits (115% of area median), and guide clients through the 1% upfront guarantee fee financing options for primary residences.
Conventional Loans
Conventional loans suit borrowers with strong credit seeking fixed-rate terms from 10-30 years. We offer Fannie Mae HomeReady and Freddie Mac Home Possible programs with 3% down payments, plus jumbo loans exceeding $548,250 for qualified applicants.
Refinancing Options
Our refinancing programs include rate-and-term adjustments, cash-out options, and VA streamline refinances without appraisals. We analyze current mortgages to reduce payments, consolidate debt, or access home equity while explaining associated funding fees and break-even points.
People
John Wick
Loan Officer
With extensive mortgage banking experience, John specializes in originating home loans for diverse client needs. NMLS #248499
Pete Horvath
Loan Officer
Over 25 years of combined experience in mortgage origination across multiple states. NMLS #2157558
Ken Kilman
Loan Officer
Veteran loan originator with expertise in connecting clients with appropriate mortgage solutions. NMLS #248167
Eric Christianson
Loan Officer
Real estate professional with broker's license and deep industry knowledge since 2002. NMLS #15933
Thomas McNeal
Loan Officer
Founder of T-MCNEAL REAL ESTATE SERVICES with commercial real estate expertise. NMLS #2062330
Questions
What mortgage programs do you offer?
We provide FHA, VA, USDA, conventional, jumbo, investment property loans, and refinancing options with personalized guidance.
How do I qualify for a VA loan?
Eligible veterans need 24 months service, 90 days active duty, or qualifying spouse status with residual income requirements.
Can I buy a home with no down payment?
USDA and VA loans offer zero-down options for qualified buyers in eligible rural areas or veterans.
What credit score do I need for an FHA loan?
Minimum 580 FICO for 3.5% down payment, with consideration for non-traditional credit histories.
How long does the mortgage process take?
Typical loan processing takes 30-45 days with efficient document submission and underwriting approval.
Do you offer online application options?
Yes, we provide online pre-qualification forms and digital document submission for streamlined processing.
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