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Making Home Financing Easier in Madison

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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

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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
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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
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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
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  • 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.

180 Day Rate Lock

Your buyers rate is locked while they look for their perfect home. 

Fully Underwritten Pre-Approval

Show the seller your offer is solid with this worry-free home financing option.

Security

If rates go down while searching for their home, buyers have the option to drop their rate too.

LEARN MORE Learn more about Lock and Shop

Our Madison Mortgage Experts

Howard Cagle

Howard Cagle

AVP, Senior Mortgage Loan Officer

NMLS: 593729

CONTACT HOWARD about Howard Cagle.
Korey Frey, Mortgage Lender

Korey Frey

VP Mortgage Field Manager

NMLS: 709654

CONTACT KOREY
Pappy Johnson

Pappy Johnson

VP Senior Mortgage Loan Officer

NMLS: 764476

CONTACT PAPPY
Margaret Landphier, Mortgage Lender

Margaret Landphier

VP Senior Mortgage Loan Officer

NMLS: 770829

CONTACT MARGARET
Sara Whitley

Sara Whitley

AVP, Senior Community Mortgage Loan Officer

NMLS: 822243

CONTACT SARA about Sara Whitley.

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. 

*Private mortgage insurance may be required on loans with less than 20% down.

Permanent financing is subject to additional credit approval and property valuation.

Lock’n’Shop is only available on certain 15 and 30 year fixed rate Freddie Mac mortgage 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.