Today's mortgage rates in Madison, WI
Local Wisconsin broker
Based in Menomonee Falls and focused on Milwaukee and the rest of Wisconsin.
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The industry averages 40%. We close when we say we will.
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Glossary
Voyage Home Loans is an independent Milwaukee-area mortgage broker that serves Madison-area buyers under our Wisconsin license (company NMLS #2667229). Logan Lindstrum, NMLS #1859439, helps Dane County purchase clients compare wholesale lender options. Equal Housing Lender.
Madison buyers can use the live tools on this page to test Conventional, FHA, or VA scenarios with their own numbers. Quotes are a starting point—your Loan Estimate shows rate, points, and fees.
We do not have a Madison office; we work with Madison clients by phone and online. See our Milwaukee page for our home market, or our licensing page for details. 414-309-6013 · team@voyagefinancing.com
Conventional mortgages in Madison, Dane County
Buying or refinancing in Madison
Madison sits in Dane County, part of the Madison area. Voyage Home Loans is an independent Wisconsin mortgage broker, so instead of offering one bank's products we compare conventional loan pricing from multiple wholesale lenders for homes in Madison and nearby Middleton, Sun Prairie, Fitchburg. Conventional financing is often a fit for buyers with steady income and solid credit.
What affects your conventional quote in Madison
The rates above are live sample quotes, not an offer or a commitment to lend. Your own quote depends on your credit score, down payment or equity, loan amount, property type (single-family, condo or multi-unit), whether the home is your primary residence, and how long you lock. Dane County property taxes and homeowners insurance don't change your interest rate, but they do change your monthly payment and how much home you can comfortably afford.
How the process works
Start with a pre-approval: we review your income, assets and credit, then compare conventional options across lenders. Once you have an accepted offer in Madison, you choose a lender and lock a rate, the lender orders an appraisal, and underwriting reviews your file. You'll get a Loan Estimate showing rate, APR and closing costs so you can compare line by line before you commit.
About the Conventional program
Conventional loans can start at 3% down for qualifying buyers, and private mortgage insurance applies when you put down less than 20%.
Common questions about conventional mortgages in Madison
Are the conventional rates on this page my rate in Madison?⌄
No. They are live sample quotes for a typical scenario. Your rate depends on your credit, down payment, loan amount, property and lock period. Update the loan details above or talk with Logan Lindstrum (NMLS #1859439) for a quote based on your situation.
Does Voyage Home Loans lend in Dane County?⌄
Yes. Voyage Home Loans (NMLS #2667229) is licensed in Wisconsin and works with buyers and homeowners in Madison, across Dane County and statewide. We're a broker, so the loan itself is funded by one of the wholesale lenders we compare.
How do I compare a conventional offer I already have?⌄
Send us the Loan Estimate you received. We'll go through the rate, APR, points and lender fees with you line by line so you can see how options compare. We don't promise to match or beat any offer.
Does Voyage offer down payment assistance in Madison?⌄
No. Voyage Home Loans does not participate in, administer, or help clients apply for WHEDA or any down payment assistance program. Those are third-party and government programs — contact them directly. We can help you compare Conventional, FHA and VA options.
Madison mortgage FAQ
Does Voyage serve Madison, WI?⌄
Yes. We serve Madison-area buyers under our Wisconsin license (NMLS #2667229). We do not have a Madison office.
How do I work with Voyage from Madison?⌄
By phone, email, and online. Logan Lindstrum, NMLS #1859439. 414-309-6013 · team@voyagefinancing.com.
Are the Madison quotes a rate lock?⌄
No. They are illustrative wholesale quotes until you receive a Loan Estimate.
Where can I see Voyage’s licensing?⌄
See licensing for full licensing details.
See rates in nearby cities
Other loan programs in Madison: VA loan rates · FHA loan rates