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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Joanloans-Fairway Mortgage Madison - Sun Prairie

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Madison, WI
Joanloans-Fairway Mortgage Madison - Sun Prairie

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Equal Housing Lender, FIMC #2289 NMLS #270909 Joan Sergenian is a Mortgage Loan Officer at Fairway Independent Mortgage. She joined Fairway Mortgage in 2006.

She has spent the last 25 years helping people find the right mortgage to fit their needs. After graduating from College with her accounting degree she worked at a local title company for 8 years prior to originating mortgages. Joan’s business is 100% referrals from past customers, Friends, Family and Real Estate Agents. Joan understands that purchasing a home is one of the most important choices someone will have to make in their lifetime and she helps her clients learn about and feel comfortable with the loan process and costs associated with different loans. Joan has experience in a wide – range of mortgage loans. She specializes in Federal VA Loans, Jumbo Loans, Conventional and FHA Loans. She helps people with their first home or their move up loan. Joan was born and raised in Madison. She enjoys camping, boating and hiking and most things outdoors. She has 3 children, two daughters and a son and now is enjoying being a grandmother. She also enjoys riding her Harley in the warmer months. and in the fall, football is her thing. Go Bucky! Packers!

11/03/2026

11/02/2026

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

10/26/2026

What if you could save $150–$300 a month on your mortgage payment just by choosing a different type of loan?

For some homebuyers, that could be a game changer. And it's one reason adjustable-rate mortgages (ARMs) are getting more attention.

According to Bankrate, ARM rates recently came in more than a full percentage point lower than traditional fixed-rate mortgages. That's potentially hundreds of dollars in monthly savings on a median-priced home.

And buyers are taking notice. About 1 in 10 mortgage applicants are now choosing an ARM, according to the Mortgage Bankers Association.

So, what's the catch?

Unlike a fixed-rate mortgage, an ARM gives you a lower introductory rate for a set number of years. After that, your rate can adjust up or down based on market conditions.

That means you could save money upfront, but you'd also need to be comfortable with the possibility of higher payments later.

And here's something worth knowing: Today's ARMs have more borrower protections than the risky loans that made headlines during the 2008 housing crisis.

The bigger takeaway? A traditional 30-year fixed mortgage isn't your only option.
If today's rates are making your homebuying budget feel tight, there may be financing options you haven't explored yet.

Curious whether an ARM could help make your next home more affordable? Connect with a trusted lender who can run the numbers.

10/22/2026

How many screens are we going to need? Wisconsin is booked, and the remote deserves overtime. Save this schedule and clear your calendar!

10/20/2026

Mortgage rates being back above 7% isn't exactly the news most people wanted. But it’s changing the market in ways that matter whether you’re buying or selling.

Address

5202 Eastpark Boulevard #104
Madison, WI
53718

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+16083181917

Website

http://www.joansergenian.com/

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