MORTGAGE KNOWLEDGE
SIMPLIFIED
Stay ahead in the Wisconsin real estate market. Browse our educational webinars, step-by-step video classroom modules, downloadable guidebooks, community events, and latest expert articles.
WATCH AND LEARN
Get the inside track on Wisconsin homebuying straight from Rob Miller — down payment assistance, credit preparation, market trends, and more. We just launched our YouTube channel and we're growing fast. Be one of the first to subscribe and come along for the ride.
MadCity Home Loans
@madcityhomeloans
Rob Miller breaks down mortgage tips, program options, market updates, and real Q&A — all built for Wisconsin buyers. Subscribe now, grow with us, and never miss a video.
Subscribe on YouTubePast Webinars & Videos
How To Avoid 5 Costly Financial Mistakes When Buying A Home
Avoid the 5 most expensive home buying mistakes in Wisconsin. Free webinar with Rob Miller covering qualifying income, debt ratios, and loan traps to sidestep.
Veterans America President James Mercado on TMJ4's The Morning Blend
James Mercado from Veterans America explains zero lender closing costs and VA home loan benefits on TMJ4's The Morning Blend. Must-watch for Wisconsin veterans.
IMPORTANCE OF GETTING AN ESTATE PLAN WHEN PURCHASING A HOME
Buying a home without an estate plan creates real risk. Free webinar covers what an estate plan includes, why it matters at closing, and how to get one in Wisconsin.
THE NEED FOR HOME INSURANCE COVERAGE WHEN PURCHASING
Your lender requires it - but how much is enough? Free webinar on Wisconsin home insurance, what it covers, how much to buy, and how to find the right agent.
MADCITY HOME LOANS CLASSROOM
Whenever we get asked a question that we know homebuyers, people looking to refinance or cash out, and real estate agents would benefit from, we put the answer right here. Scroll through our top mortgage Q&A sessions below, or register for a one-on-one coaching module with Rob Miller to tackle your specific scenario—we cover everything from credit repair to VA benefits.
Top Purchase & Refi Questions
How Much Money Do I Need to Buy a House in Wisconsin?
Wondering how much money you actually need to buy a house? Learn about down payments, closing costs, and zero-down mortgage options like WHEDA, VA, and USDA.
What Mortgage Should I Get? (FHA vs. Conventional vs. VA vs. USDA)
Not sure what mortgage you should get? Compare Conventional, FHA, VA, USDA, and WHEDA home loans to find the best first-time homebuyer program for your situation.
What Credit Score Do I Need to Buy a House?
Can you get a mortgage with a 600 credit score? Yes. Learn the exact minimum credit scores required for FHA, Conventional, VA, and USDA loans, plus how to improve your score fast.
Should I Buy a Home Now or Wait for Mortgage Rates to Drop?
Is now a good time to buy a house? Rob Miller answers the biggest question in real estate: should you buy now and refinance later, or wait for prices to fall?
What is the difference between mortgage pre-qualification and pre-approval?
Rob Miller explains the real difference between a mortgage pre-qualification and a pre-approval — and why one is nearly worthless in today's Wisconsin market.
How much are closing costs in Wisconsin and who pays them?
Rob Miller breaks down the average closing costs in Wisconsin, what they include, and strategies for getting the seller to pay them for you.
What is the WHEDA loan program and how do I qualify in Wisconsin?
Rob Miller explains the WHEDA Advantage loan program — Wisconsin's state-backed mortgage with below-market rates and down payment assistance for first-time buyers.
What documents does my buyer need for a mortgage pre-approval?
Rob Miller gives Realtors a complete document checklist so their buyers walk into pre-approval ready — and deals don't fall apart at the start.
What is the maximum DTI (Debt-to-Income) ratio allowed in Wisconsin?
Rob Miller explains the maximum Debt-to-Income (DTI) ratio allowed for Wisconsin mortgages, including FHA, VA, and Conventional limits.
How long does it take to buy a house in Wisconsin?
Rob Miller walks through the realistic timeline for buying a home in Wisconsin — from getting pre-approved to receiving keys — and what causes delays.
What happens at closing when buying a house in Wisconsin?
Rob Miller walks you through exactly what to expect on closing day in Wisconsin — who's in the room, what you sign, and how long it takes.
Should I get a fixed or adjustable rate mortgage in Wisconsin?
Rob Miller explains the real difference between fixed-rate and ARM mortgages in Wisconsin and which one makes sense for different buyer situations.
What is PMI and how do I avoid it?
Rob Miller explains Private Mortgage Insurance (PMI), exactly what it costs Wisconsin buyers, and the strategies we use to eliminate or avoid it entirely.
What is an appraisal gap and how do I handle it in Wisconsin?
Rob Miller explains what an appraisal gap is, how it affects Wisconsin buyers, and the strategies we use to keep deals alive when the appraisal falls short.
Can I buy a house while selling my current one in Wisconsin?
Rob Miller explains the simultaneous buy-sell strategies Wisconsin homeowners use — bridge loans, contingent offers, and how we structure the financing.
Can I buy a house with student loans in Wisconsin?
Rob Miller explains how student loan debt affects your mortgage qualification in Wisconsin and the exact strategies we use to get buyers with student loans approved.
Can I buy a multifamily property with an FHA loan in Wisconsin?
Rob Miller explains how Wisconsin buyers can use an FHA loan to purchase a 2-4 unit property, live in one unit, and use rental income to qualify.
Can I buy a second home or vacation property in Wisconsin?
Rob Miller explains the mortgage requirements for buying a second home or vacation property in Wisconsin — down payment, rates, and how lenders classify the property.
Can I get a mortgage after a foreclosure in Wisconsin?
Rob Miller explains the mandatory waiting periods after a foreclosure in Wisconsin and what buyers can do during that time to become mortgage-ready again.
Can I refinance with bad credit in Wisconsin?
Rob Miller explains the minimum credit scores for refinancing in Wisconsin, which loan types are most forgiving, and how to improve your score before applying.
Can I use gift money for a down payment in Wisconsin?
Rob Miller explains exactly how gift funds work for Wisconsin home purchases — who can gift, what documentation is required, and which loan types allow it.
Can my buyer use seller credits to cover closing costs?
Rob Miller explains how seller concessions work in Wisconsin, the limits by loan type, and how to structure them without blowing up a deal.
What is a cash-out refinance and when does it make sense in Wisconsin?
Rob Miller explains how a cash-out refinance works in Wisconsin, and when it makes sense to tap your home equity for renovations or debt consolidation.
Cash-out refinance vs. HELOC: Which is better for Wisconsin homeowners?
Rob Miller compares the pros and cons of a Cash-Out Refinance vs. a Home Equity Line of Credit (HELOC) for Wisconsin homeowners looking to tap equity.
What down payment assistance programs are available in Dane County in 2026?
Rob Miller details the best down payment assistance programs available for home buyers in Madison and Dane County, Wisconsin for 2026.
Are condos in Madison hard to buy with an FHA loan?
Rob Miller explains why buying a condo in Madison, WI with an FHA loan can be tricky, and how to navigate FHA condo approvals.
What credit score do I need for an FHA loan in Wisconsin?
Rob Miller details the minimum credit score requirements for getting an FHA loan in Wisconsin, including 3.5% down vs. 10% down rules.
FHA vs Conventional: Which is better for sellers?
Rob Miller explains why sellers often prefer conventional loans over FHA loans, and how to negotiate effectively as a buyer using FHA.
What is the Fitchburg, WI housing market like?
Rob Miller breaks down the Fitchburg housing market, its unique proximity to Madison, and the mix of urban and rural neighborhoods.
How do HOA fees affect my mortgage qualification in Wisconsin?
Rob Miller explains exactly how Homeowners Association (HOA) fees impact your Debt-to-Income ratio and your ability to qualify for a mortgage in Wisconsin.
How do I explain mortgage insurance to my buyers?
Rob Miller gives Realtors a simple, client-friendly script for explaining PMI and MIP — so buyers understand it, accept it, and don't get cold feet over a line item.
How do I handle a low appraisal as a listing agent in Wisconsin?
Rob Miller explains the lender-side options when an appraisal comes in below the purchase price — and what listing agents can negotiate to keep the deal alive.
How do I help a buyer with a bankruptcy get a mortgage in Wisconsin?
Rob Miller explains the waiting periods and strategies for helping Wisconsin buyers with past bankruptcies qualify for a home loan sooner than they think.
How do I remove PMI from my mortgage in Wisconsin?
Rob Miller explains the exact steps to cancel Private Mortgage Insurance in Wisconsin — and the fastest strategies to get there sooner.
How do I write a stronger offer in a Wisconsin seller's market?
Rob Miller explains the lender-side strategies that make a buyer's offer stand out in a competitive Wisconsin market — straight from the mortgage side of the table.
How do mortgage points work in Wisconsin?
Rob Miller explains what discount points are, how much they cost, and exactly when buying down your rate makes financial sense for Wisconsin buyers.
How does a mortgage rate lock work?
Rob Miller explains what a mortgage rate lock is, how long locks last, what it costs to extend one, and when floating makes sense for Wisconsin buyers.
How does a delayed financing exception work for real estate investors?
Rob Miller explains the delayed financing exception — how Wisconsin real estate investors can buy with cash, then pull their equity back out immediately through a cash-out refinance.
How does VA loan entitlement work in Wisconsin?
Rob Miller explains VA loan entitlement for Wisconsin veterans — full vs. reduced entitlement, bonus entitlement, and how to buy with zero down even if you've used your VA benefit before.
How long does a clear to close take?
Rob Miller explains the timeline from 'Clear to Close' to sitting at the closing table, and why our team consistently beats the industry average.
How do I get a mortgage as a first-time homebuyer in Wisconsin with no experience?
Rob Miller walks first-time buyers in Wisconsin through the mortgage process from scratch — what to expect, what to prepare, and the biggest mistakes to avoid.
How to get a self-employed buyer approved for a mortgage in Wisconsin?
Rob Miller explains the exact documentation and strategies real estate agents need to help their self-employed buyers get approved for a mortgage.
How to save a deal when the appraisal comes in low?
Rob Miller explains the exact steps real estate agents can take to save a transaction when a home appraisal comes in under the purchase price.
Which Madison suburb is the best place to live in 2026?
Rob Miller breaks down the best suburbs around Madison, Wisconsin, including property taxes, commute times, and housing market competitiveness.
What is the Middleton, WI housing market like?
Rob Miller breaks down the highly competitive Middleton housing market, what to expect for property taxes, and how to get an offer accepted.
My buyer is relocating to Madison, WI — what loan options do they have?
Rob Miller explains the mortgage options available to buyers relocating to Madison, Wisconsin — including using offer letters, relocation packages, and out-of-state income.
What is the difference between a pre-approval and a commitment letter?
Rob Miller explains the key differences between a mortgage pre-approval and a full commitment letter — and why Realtors should know which one their buyer has.
Should I pay off debt before buying a house in Wisconsin?
Rob Miller explains when paying off debt helps your mortgage qualification in Wisconsin — and when it's smarter to keep the cash for your down payment instead.
What is the Sun Prairie, WI housing market like?
Rob Miller breaks down the Sun Prairie housing market, including property taxes, competition, and what buyers can expect to pay for a home.
What is the Verona, WI housing market like?
Rob Miller breaks down the Verona, WI housing market, the 'Epic' effect on home prices, and how to successfully buy a home in Hometown USA.
What is the Waunakee, WI housing market like?
Rob Miller breaks down the Waunakee housing market, the strength of the school district, and why homes command a premium in 'The Only Waunakee in the World'.
What are VA loan funding fees in Wisconsin?
Rob Miller explains the VA funding fee for Wisconsin veterans — how much it is, who is exempt, and how it compares to PMI on a conventional loan.
What causes a mortgage to fall through at closing?
Rob Miller reveals the most common reasons mortgage deals collapse at closing in Wisconsin — and what Realtors can do to prevent each one.
What happens if my buyer loses their job before closing?
Rob Miller explains what actually happens on the mortgage side when a buyer loses employment before closing — and what options exist to save the deal.
What is a bridge loan and do I need one in Wisconsin?
Rob Miller explains bridge loans for Wisconsin homeowners — how they work, what they cost, and whether they're the right solution for buying before selling.
What is a DSCR loan and can I use one for a Wisconsin rental property?
Rob Miller explains Debt Service Coverage Ratio (DSCR) loans — how Wisconsin real estate investors can qualify based on rental income instead of personal income.
What is a home inspection and do I need one in Wisconsin?
Rob Miller explains what a home inspection covers in Wisconsin, whether it's required for your loan type, and why skipping it is almost always a mistake.
What is a jumbo loan and do I need one in Wisconsin?
Rob Miller explains jumbo loans in Wisconsin — the conforming loan limit, what makes a loan jumbo, and how the qualification requirements differ.
What is a rate buydown and how does it help my buyer?
Rob Miller explains how seller-funded and lender-funded rate buydowns work in Wisconsin and when they make sense as a negotiating tool for Realtors.
What is a USDA loan and do I qualify in Wisconsin?
Rob Miller explains USDA loans in Wisconsin — who qualifies, which areas are eligible, income limits, and why this zero-down loan is underused by Wisconsin buyers.
What is an escrow account on a mortgage in Wisconsin?
Rob Miller explains how mortgage escrow accounts work in Wisconsin — what's collected, why lenders require them, and how your escrow payment is calculated.
What is earnest money and how much should I offer in Wisconsin?
Rob Miller explains what earnest money is, how much Wisconsin buyers typically offer, and when you can and cannot get it back if a deal falls through.
What is title insurance and do I need it in Wisconsin?
Rob Miller explains what title insurance covers in Wisconsin, the difference between lender's and owner's policies, and whether you can skip it.
When does it actually make sense to refinance my mortgage in Wisconsin?
Rob Miller explains the math behind refinancing in Wisconsin, including the break-even point, dropping PMI, and when to pull cash out.
When should my buyer lock their mortgage rate?
Rob Miller explains mortgage rate lock strategy for Wisconsin Realtors — when to lock, how long to lock, and what happens if the lock expires.
For Homebuyers & Clients
Mortgage Pre-Approval
Learn the difference between pre-qualification and pre-approval, and what documents to have ready before you start your home search.
Choosing Your Loan Program
FHA vs. Conventional vs. USDA vs. VA — a coaching session to find out which program matches your unique profile and goals.
Stacking Assistance Programs
Maximize your closing power by combining state assistance (WHEDA) with local programs, grants, and gift funds.
Credit Repair
Work with Rob's team to identify what's holding your score back, create a targeted action plan, and get mortgage-ready faster.
Realtor / Referral Introduction
If you are not sure where to start with a Realtor, learn how to choose the right agent and how our trusted referral partner network can help.
VA Benefits & Options
A dedicated coaching session for veterans and active-duty service members — covering VA loan eligibility, entitlement, and zero-down strategies.
Debt Consolidation
Explore how a cash-out refinance or restructured mortgage can help you consolidate high-interest debt and improve your monthly cash flow.
For Real Estate Agents
The Contrarian Hook
Everyone's waiting for rates to drop - but that strategy has a cost. Rob Miller explains why going against the crowd in real estate often produces better outcomes.
Myth Buster
Outdated mortgage myths are costing Wisconsin buyers opportunities. Rob Miller busts the most common misconceptions about down payments, credit scores, and rates.
Before & After
See the real difference a dedicated, local mortgage partner makes at every stage of the home buying and refinancing process - before and after working with Rob Miller.
The Insider Access
National mortgage companies cannot give you this. Rob Miller reveals how working with a local independent lender gives buyers and investors a distinct financing advantage.
The Direct Challenge
Stop letting mortgage rate fear paralyze your decision. Rob Miller shows the real numbers - and why buying now vs. waiting is often a better financial move.
Home Buyer Guides
Free, in-depth guides from Rob Miller and the MadCity Home Loans team — covering credit repair, the buying process, moving, checklists, and more. No email required, no gatekeeping. Just useful information, available anytime.
Madison, WI Housing Market Update: What Buyers Need to Know for Fall 2026
Is Fall 2026 a good time to buy in Madison? Rob Miller breaks down inventory trends, rate forecasts, and why fall may be your best window before spring competition returns.
Moving to Madison for UW-Madison: A Faculty & Staff Housing Guide
Relocating to Madison for UW or UW Health? Discover the best neighborhoods, condo mortgage options, and how to buy a home before your start date.
The Complete Madison Condo Buying & Refinancing Guide
Everything you need to know about condo loans in Madison - HOA approvals, warrantability, FHA and conventional options, and how to refinance a condo in Wisconsin.
Moving to Verona, WI for Epic Systems: The Complete New Hire Relocation Guide
Relocating to Verona for Epic Systems? Get the complete guide to neighborhoods, commutes, school districts, and how to buy a home before your start date.
Credit Repair Guide: How to Boost Your Credit Score Before Buying a Home in Wisconsin
Boost your credit score and qualify for better mortgage rates. Rob Miller's credit repair guide walks Wisconsin buyers through exactly what to fix - and in what order.
Ultimate Home Buyer Checklist: Your Step-by-Step Guide to Buying a Home in Wisconsin
The only home buyer checklist you'll need in Wisconsin - from pre-purchase prep through closing day. Rob Miller walks you through every step so nothing is missed.
The Complete Wisconsin Home Buyer's Roadmap: From Pre-Approval to Keys
Everything you need to buy a home in Wisconsin - budget, mortgage, search, offer, and closing. Rob Miller's complete step-by-step guide for Wisconsin homebuyers.
Home Moving Guide: How to Plan a Stress-Free Move Into Your New Wisconsin Home
Closing on your new Wisconsin home? Rob Miller's complete moving countdown covers every task from 60 days out to moving week - so nothing gets missed.
Your First Home Buyers Guidebook: Everything You Need to Know to Buy Smart in Wisconsin
Rob Miller's free first-time buyer guidebook covers everything - budgeting, loan programs, WHEDA, pre-approval, and what to expect at closing. Download free.
Community Events & Giving
MadCity Home Loans believes in supporting the community we serve. Learn about our upcoming charity events, sponsorships, and volunteer programs in Madison, WI.
Fore Our Heroes: 2026 3rd Annual Golf Outing Benefiting Hero Centers of Wisconsin
MadCity Home Loans sponsors the 2026 Hero Centers Golf Outing - supporting Wisconsin families in need on August 8 at Coachman's Golf Resort in Edgerton, WI.
Supporting the UW-Whitewater Cross Country & Track Golf Outing 2026
Rob Miller and MadCity Home Loans proudly support UW-Whitewater Cross Country and Track and Field at the 13th annual Warhawks golf outing.
Agrace Neumy Golf Outing: Saturday, July 18, 2026
MadCity Home Loans participates in the 2026 Neumy Memorial Golf Outing benefiting Agrace Hospice - proud to support this important cause in the Madison area.
Annual Firefighters Charity Outing: Monday, June 29, 2026
MadCity Home Loans supports Milwaukee Firefighters at the 2026 annual charity golf outing. Proud to give back to those who protect our communities.
Morgan's Caring Connection Golf Outing: Friday, June 26, 2026
MadCity Home Loans is proud to support the 2026 Drive for Dreams Golf Outing benefiting Morgan's Caring Connection - making a difference in Wisconsin.
WMBA Madison Chapter Annual Golf Outing: Thursday, June 4, 2026
MadCity Home Loans participated in the 2026 WMBA Madison Chapter Annual Golf Outing at Pleasant View Golf Course in Middleton. Community and industry, united.
Hero Centers of Wisconsin Charity Golf Outing: Friday, August 22, 2025
MadCity Home Loans participated in the 2025 Hero Centers Golf Outing at The Bridges - supporting Wisconsin families while bringing home first place.
Madison Community Outreach & Charity Drive
Every quarter, the Rob Miller Home Loan Team gathers to support Madison neighborhood projects, housing assistance programs, and local food drives. Check out who we're currently working with!
Mortgage Blog & Market Updates
Browse our library of expert-written articles covering Wisconsin market updates, mortgage rate buydown strategies, and credit management tips.
Why I Moved to Mount Horeb, WI | Home Buying in the Troll Capital of the World
Thinking about Mount Horeb, WI? Rob Miller shares why this Dane County gem is attracting buyers from Madison and what you need to know about financing a home there.
Teachers Buying a Home This Summer: Why One Paycheck May Not Tell the Full Story
Teachers have unique income situations. Rob Miller explains exactly how lenders review teacher pay and how Wisconsin educators can get approved for a mortgage.
Why It Was Hard to Say Goodbye to Oregon, WI | Madison Home Buying
Explore Oregon, WI - one of Dane County's most sought-after suburbs. What buyers need to know about local housing, commutes, and financing a home in Oregon, WI.
Down Payment Assistance in Madison & Dane County, WI: Every Program You Need to Know
Don't let the down payment stop you. Rob Miller explains every down payment assistance program available in Madison and Dane County - WHEDA, HBAD, and more.
Mortgage Pre-Approval in Madison, WI: What It Really Takes to Win in This Market
Madison's housing market moves fast. Get fully underwritten pre-approval - not just a letter - from a local lender who can close in 20 days. See what it takes.
Investment Property Loans & DSCR Financing in Madison, WI: A Lender's Guide for Real Estate Investors
Buying a rental property or multi-family in Madison? DSCR loans qualify on rental income, not your W-2. Expert investor mortgage guidance from a Madison local.
Home Loans in Sun Prairie, WI: What Buyers and Homeowners Need to Know
Buying or refinancing in Sun Prairie? Get a local pre-approval that competing buyers cannot beat. FHA, conventional, WHEDA, and VA loans for Sun Prairie buyers.
Home Loans in Waunakee, WI: Local Mortgage Expertise for the Village That Keeps Growing
Buying or refinancing in Waunakee? Get local pre-approval and every loan program you need to compete in one of Dane County's most competitive markets.
Home Equity Loans & HELOCs in Madison, WI: How to Put Your Equity to Work
Tap your home equity in Madison, WI. Rob Miller compares HELOCs, home equity loans, and cash-out refinancing - and shows you which one actually makes sense.
Welcome to the New MadCity Home Loans Website
Explore the newly launched MadCity Home Loans website - 11-state loan programs, free mortgage guidebooks, webinars, calculators, and direct access to Rob Miller.
Why Approval Is Not Enough: Building a Mortgage You Can Actually Live With
Being approved for more doesn't mean you should borrow more. Rob Miller explains how to build a mortgage payment that works for your budget - not just the lender's.
What Not To Do After Your Offer Is Accepted
Don't lose your loan approval after going under contract. Rob Miller covers the 6 critical mistakes that can derail your closing at the worst possible moment.