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Mad City Home Loans

Your No Excuses

Mortgage Lender

About Mad City Home Loans

Rob and the Mad City Home Loans Team proudly serve Wisconsin, Illinois, Iowa, Minnesota, Michigan, Florida, Texas, North Dakota, South Dakota, Colorado, and Washington.

Buying a home is one of the biggest financial decisions in life, and Rob Miller is committed to making the mortgage process clear, simple, and stress-free. With over 20 years of experience as a Branch Manager and Senior Loan Officer, Rob has helped thousands of clients confidently navigate home financing.

All loans are processed locally in Wisconsin, allowing for faster decisions, direct communication, and reliable on-time closings. Rob believes that local service and personal responsibility make a real difference.

Education is at the heart of Rob’s approach. He explains every step in plain language and offers guidance tailored to each client’s goals, timeline, and financial situation. From first-time buyers to experienced homeowners, Rob and his team deliver transparent mortgage solutions built on trust and experience.

who we work with

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First Time Home Buyers

Buying your first home can feel overwhelming, especially when everything is new and there are many decisions to make. We guide first-time buyers through every stage of the mortgage process, explain loan options in plain and simple language, and help you understand what to expect before moving forward. We take time to review numbers, payments, and documents so nothing feels rushed or confusing. Our goal is to remove stress, replace uncertainty with clarity, and make sure you feel confident and prepared from your first consultation all the way to closing day and beyond.

Veterans

We proudly help veterans navigate home financing with clarity, respect, and personal attention at every step. Whether you are using VA benefits or exploring other loan programs, we take the time to explain how each option works and what it means for your long-term plans. Our team focuses on clear communication, dependable timelines, and a smooth experience so you always know what is happening. From your first call to your final closing, you can expect guidance, honesty, and reliable local support.

Homeowners Looking to Refinance

If you are looking to improve your current mortgage, we help you explore refinancing options that support both your short-term needs and long-term financial goals. We carefully review your current loan, explain the numbers in clear language, and show you how refinancing could lower payments, change your loan structure, or improve your overall strategy. Every refinance is handled with attention to detail, efficient communication, and a strong focus on clarity, smart decisions, and dependable results.

Homeowners Looking to Purchase

Whether you are buying your next home, relocating, or upgrading to a different property, we make the process organized and easy to understand from the very beginning. We help you evaluate your buying power, compare loan options, and plan your timeline so you can move forward with confidence and realistic expectations. You will receive local support, honest guidance, and dependable on-time closings from your first conversation to the final step at closing.

Investors

We work with real estate investors who value clear numbers, smart planning, and reliable execution. From purchase loans to long-term investment strategies, we help structure financing that supports your goals and keeps deals moving forward. We understand the importance of timing, accuracy, and communication in investment transactions. Our local processing and hands-on approach help reduce delays, avoid surprises, and keep your projects running smoothly and efficiently.

Loan Programs

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Conventional Loans

Standard lending solutions for buyers with typical financial situations.

VA Loans

Exclusive loan benefits for eligible veterans and active-duty service members.

FHA Loans

Government-backed loans designed to make homeownership more accessible.

USDA Loans

Zero-down loan programs for eligible buyers in approved rural and suburban areas.

WHEDA Loans

Wisconsin-specific programs offering support for eligible home buyers.

Jumbo Loans

Financing solutions for higher-priced homes that exceed conventional loan limits.

Our Services

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Built Around You

We offer clear guidance, practical tools, and personalized support to make your mortgage experience simple, informed, and stress-free.

First-Time Home Buyers

Buying your first home can feel overwhelming, but you do not have to do it alone. We walk you through every step, explain the process in simple terms, and answer all your questions along the way. Our goal is to help you avoid surprises and feel confident from your first application to closing day.

Purchase a New Home

Buying a home is a big step, and we are here to make the process simple and clear. From your first consultation and pre-approval to closing day, we guide you through every stage. We help you understand your options, set a realistic budget, and choose the right loan program so you can buy with confidence and peace of mind.

Refinance You Home

Refinancing can be a powerful way to improve your financial situation. Whether your goal is to lower your interest rate, reduce your monthly payment, or consolidate debt, we help you explore your options. We review your current mortgage, explain the numbers in plain language, and help you decide if refinancing truly makes sense for you.

Mortgage Planning

A mortgage is not just a loan, it is part of your long-term financial plan. We help you build a smart strategy based on your goals, income, and future plans. Together, we look beyond today’s transaction and create a plan that supports where you want to be in the years ahead.

Annual Mortgage Review

Your mortgage should change as your life changes. With an annual mortgage review, we take the time to look at your current loan and your financial goals. We check for opportunities to lower your payment, improve your terms, or adjust your strategy so your mortgage continues to work in your favor.

Credit Consultation

Your credit plays a big role in the loan options and rates you can qualify for. We review your credit profile with you, explain what matters most, and show you practical ways to improve it. This helps you prepare for a stronger application and better loan terms, now or in the future.

Home Equity

Your home is more than a place to live, it is also a financial resource. We help you use your home equity for renovations, major purchases, or other important goals. You will get clear guidance on your options, the costs involved, and how to use your equity wisely without putting your long-term plans at risk.

Mortgage Process

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1. Initial Phone Consultation

Your mortgage journey begins with an initial phone consultation designed to give you clarity and direction. We’ll talk through different loan programs, basic mortgage qualifications, and how the overall process works. We’ll also do some simple hand math to estimate your buying power and discuss realistic monthly payments. Before we hang up, you’ll receive a clear list of documents needed for pre-approval so you know exactly how to prepare.

2. Pre-Approval Consultation

Once your application is submitted, we’ll schedule a detailed pre-approval consultation. During this call, we review your income, credit, assets, and debts to determine which loan programs you qualify for. We’ll explain your numbers in plain language and answer questions. Afterward, you’ll receive a mortgage pre-approval letter, giving you confidence and credibility when shopping for a home.

3. Shopping for a Home

With your pre-approval in hand, you’ll work closely with a real estate agent to search for homes that match your needs, lifestyle, and budget. Your agent will guide you through showings, pricing strategies, and neighborhood considerations. When you’re ready to make an offer, your pre-approval letter helps show sellers that you’re financially prepared and serious about buying.

4. Loan Application Consultation

Once your offer is accepted, we move into the formal loan application phase. We’ll review your full loan application together to ensure accuracy and discuss important details such as loan structure and payment expectations. At this time, you may choose to lock your interest rate, which can help protect you from market changes while your loan moves forward.

5. Document Collection and Review

At this stage, we’ll request any remaining documents needed to support your loan file. This may include updated income, asset, or employment information. Our team carefully reviews everything to ensure it meets lender and underwriting guidelines before submitting your loan for processing. A thorough review upfront helps prevent delays later in the process.

6. Insure Your Home

Homeowners insurance is a required part of the mortgage process and an important step in protecting your investment. You’ll begin shopping for coverage, often starting with your current auto insurance provider. If needed, we can also connect you with trusted insurance agencies. Once you choose a policy, we’ll collect proof of coverage. Starting this step early helps avoid last-minute issues.

7. Appraisal and Inspection

We’ll order the home appraisal to confirm that the property’s value supports the agreed-upon purchase price. This protects both you and the lender. Separately, you may choose to order a home inspection, which is highly recommended. Inspections help identify potential concerns early so you can address them before closing.

8. Processing and Underwriting

During processing, we verify all details of your loan file, including income, employment, assets, and property information. We also collect third-party verifications and review the appraisal. Once complete, your loan file is submitted to underwriting, where it receives a detailed review to ensure it meets mortgage guidelines.

9. Conditional Loan Approval

After underwriting reviews your file, you’ll typically receive a conditional loan approval. This means the loan is moving forward, but the underwriter may request additional documents or clarification. These requests are common and normal. We’ll communicate clearly, guide you through each condition, and work quickly to keep your loan on track.

10. Final Loan Approval (Cleared to Close) & Pre-Closing Consultation

Once all underwriting conditions are satisfied, your loan is officially cleared to close. At this point, we’ll schedule a pre-closing consultation to review the final steps. We’ll explain what happens between now and closing day so you feel prepared and confident heading into the final stage.

11. Final Closing Disclosure Consultation

Before closing, you’ll receive your Closing Disclosure, which outlines your final loan terms and costs. We’ll review this document together, including your final monthly payment and any cash needed to close. We’ll also confirm the closing date, time, and location, and answer any last questions you may have.

12. Closing

Closing day is when everything comes together. You’ll sign your final mortgage documents, complete any required payments, and finalize the transaction. For purchases, this is when ownership officially transfers and you receive the keys to your new home. It’s an exciting milestone in the mortgage process.

13. After Closing & Beyond

Your first mortgage payment is typically due about one month after closing. We’ll provide clear payment instructions and details. From here on out, you become a Client for Life. We continue to look out for opportunities to improve your mortgage plan whether that’s refinancing, consolidating debt, or accessing equity for future goals.

Testimonials

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LICENSING & CREDENTIALS

Branch Manger / Senior Loan Officer With ProVisor, Inc. and Veterans America. Offices located in Madison, Brookfield, Watertown and East Troy, WI. Serving Wisconsin, Illinois, Iowa, Minnesota, Michigan, Florida, Texas, Colorado, North Dakota, South Dakota and Washington.