Mortgage guidance for Madison, WI

A mortgage conversation built around your Madison plans.

I help buyers and homeowners in Madison explore home purchase and refinance financing. I’m Jonathan Gibbons, a mortgage broker based in Palmyra and powered by Edge Home Finance. We work by phone and online to connect your financing options with your goals.

Prepare before you start shopping

If you’re moving to Madison or buying your first home there, bring your target price range, planned move date, and a comfortable monthly budget. We can discuss pre-approval and the documentation needed before you write an offer. If your move also involves an employment change, raise that early so the lender can review the situation.

Refinancing with a specific goal

For a Madison refinance, start with the reason for the change: a different payment, a different term, or another financing goal. Compare the proposed loan with your current mortgage, including closing costs and how long you expect to keep the new loan. A lower payment alone does not establish whether the refinance fits your plans.

Explore loan options with 44Mtg

Our conversations can include conventional, FHA, VA, USDA, construction, bridge, and DSCR investment financing. Start with your goals, and we’ll discuss which options merit a closer look. See our loan options.

Can we discuss refinancing before I apply?

Yes. Bring your current loan balance, payment, interest rate, and goals. We can review the questions to answer before deciding whether to submit an application.

Explore more mortgage guidance

Program availability and eligibility vary by lender, borrower, and property. All loans are subject to credit, property, underwriting, and approval. Serving these communities does not indicate an office location in each city.