Making Home Financing Easier in Madison
Our Approach
Whether you’re working with first-time or experienced home buyers, our mortgage loan officers will use their knowledge and experience to partner with them every step of the way.
Johnson Financial Group Mortgage Advantages


We offer an extensive portfolio to provide clients with loan options to best meet their needs.
- Doctor or Dentist loans with 90 – 100% LTV and loan amounts up to $3,000,000
- Professional loans with 90 – 100% LTV and loan amounts up to $3,000,000
- One-Time Close Construction loans with low down payments and loan amounts up to $3,000,000
- Jumbo loans with fixed and ARM rates and loan amounts up to $3,000,000
- Condo waiver program
- Rate reduction option on many programs
- Relationship pricing

Options to make buying a home more affordable.
- Low down payment loan options
- Grants and down payment assistance
- For refinancing, first-time homebuyers and current homeowners

Delivered by loan officers dedicated to understanding a client’s complete financial picture.
- Fully underwritten pre-approvals
- Tailored options for down payments, loan terms and mortgage rates
- Knowledgeable and experienced loan officers who partner with clients throughout the process

- Clients will continue to work with and make payments to Johnson Financial Group
- Our team can answer questions long after the loan is closed
Protect Your Buyers From Rising Rates
Your buyers can lock their rate while shopping for a new home. Plus, if rates go down, they can take advantage of a free option to lower their rate when there is an accepted offer on a home.
Our Madison Mortgage Experts
Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.
Lock’n’Shop is only available on certain 15 and 30 year fixed rate loan options. Not available without required documentation to obtain a fully underwritten preapproval. Lock’n’Shop locks your initial interest rate for up to 180 days. Your interest rate will depend on the date you lock your rate. Additional conditions or exclusions may apply. Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.
Doctor/Dentist (ARM): The Annual Percentage Rate is 7.735% effective 09.05.2023 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. The interest rate on these loans vary and may increase after consummation. The interest rate cannot increase or decrease more than 2%-6% at the first adjustment period; and not more than 1%-2% at each subsequent adjustment period. Your interest rate cannot increase or decrease more than 6%-8% over the term of the loan. The interest rate will be based on the 30-day average SOFR (the index) as published by the Federal Reserve Bank of New York, plus our margin rounded to the nearest one eighth of one percentage point (0.125%). The initial rate may include a premium or discount and may not be based on the current index value. A monthly payment on a 360 month fully amortized $1,750,000 mortgage loan at 7.50% is $6.99 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance and, if required, flood insurance. Required closing costs, including property appraisal and title insurance, range from $2,500 to $3,000.
Doctor/Dentist (Fixed): The Annual Percentage Rate is 8.048% effective 09.05.2023 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. A monthly payment on a 360 month fully amortized $1,750,000 mortgage loan at 8.00% is $7.34 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. Required closing costs, including property appraisal and title insurance and other fees range from $2,500 to $3,000.
Professional (ARM): The Annual Percentage Rate is 7.741% effective 09.05.2023 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. The interest rate on these loans vary and may increase after consummation. The interest rate cannot increase or decrease more than 2%-6% at the first adjustment period; and not more than 1%-2% at each subsequent adjustment period. Your interest rate cannot increase or decrease more than 6%-8% over the term of the loan. The interest rate will be based on the 30-day average SOFR (the index) as published by the Federal Reserve Bank of New York, plus our margin rounded to the nearest one eighth of one percentage point (0.125%). The initial rate may include a premium or discount and may not be based on the current index value. A monthly payment on a 360 month fully amortized $1,000,000 mortgage loan at 7.50% is $6.99 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance and, if required, flood insurance. Required closing costs, including property appraisal and title insurance, range from $2,500 to $3,000.
Professional (Fixed): The Annual Percentage Rate is 8.055% effective 09.05.2023 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. A monthly payment on a 360 month fully amortized $1,000,000 mortgage loan at 8.00% is $7.34 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. Required closing costs, including property appraisal and title insurance and other fees range from $2,500 to $3,000.