# MadisonMortgageGuys: Mortgage lender serving Arizona, Florida, Georgia, Illinois, Iowa, Indiana, Michigan, Minnesota, New Jersey, North Carolina, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin

> Local mortgage experts with national reach, competitive rates, tailored loan options, and hands‑on support from application to closing\.

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## Pages
- [Moving to Minneapolis, MN \| Relocation Guide](https://www.madisonmortgageguys.com/minnesota/moving-to-minneapolis/)
- [Current Mortgage Rates](https://www.madisonmortgageguys.com/current-rates/)
- [USDA Mortgage](https://www.madisonmortgageguys.com/programs/government/usda-rural-housing/)
- [USDA Loan Florida](https://www.madisonmortgageguys.com/florida/usda-loan/)
- [Illinois USDA Rural Development Loan](https://www.madisonmortgageguys.com/illinois/usda-rural-development-loan/)

## Posts
- [USDA Income Limits](https://www.madisonmortgageguys.com/usda-income-limits/)
- [How Much House Can I Afford](https://www.madisonmortgageguys.com/how-much-house-can-i-afford/): See exactly how much house you can afford based on your income, debts, and savings\. Our affordability calculator and guide explain DTI rules, loan types, and the real monthly costs buyers overlook\.
- [USDA Loans vs FHA: How to Choose the Right One](https://www.madisonmortgageguys.com/usda-loans-vs-fha/): Explore how USDA and FHA loans differ in property restrictions, income caps, credit standards, and long‑term costs so you can confidently select the best loan for your home\.
- [FHA Loan After Bankruptcy: Waiting Periods and Requirements](https://www.madisonmortgageguys.com/fha-loan-after-bankruptcy/): FHA Loan After Bankruptcy Guide — A complete guide to FHA waiting periods, extenuating circumstances, manual underwriting, and the steps to qualify for a mortgage after bankruptcy\.
- [How To Get A VA Loan After Bankruptcy](https://www.madisonmortgageguys.com/get-va-loan-after-bankruptcy/): Even after bankruptcy, you can still tap into a VA mortgage, sometimes in as little as two years, by focusing on credit rebuilding, meeting residual income requirements, and clearing outstanding obligations\. These flexible VA guidelines recognize your service and renewed financial strength\. Discover how to navigate the timeline and get one step closer to your new front door\.

## Loan Officers
- [Pete Horvath](https://www.madisonmortgageguys.com/loan-officer/mortgage-professional/): Pete Horvath offers mortgages including no money down, first time home buyer, FHA, VA, USDA, jumbo, refinance, and conventional financing\.
- [Ken Kilman](https://www.madisonmortgageguys.com/loan-officer/home-loan-expert/): Ken Kilman offers mortgages including no money down, first time home buyer, FHA, VA, USDA, jumbo, refinance, and conventional financing\.
- [Eric Christianson](https://www.madisonmortgageguys.com/loan-officer/mortgage-expert/): Eric Christianson offers mortgages including no money down, first time home buyer, FHA, VA, USDA, jumbo, refinance, and conventional financing\.
- [John Wick](https://www.madisonmortgageguys.com/loan-officer/mortgage-pro/): John Wick offers mortgages including first time home buyer, FHA, VA, USDA, 203k, jumbo, refinance, reverse, and conventional financing\.

## Optional
- [Sitemap index](https://www.madisonmortgageguys.com/sitemap_index.xml)