Have a down payment saved but can't get approved for a traditional mortgage? You're not out of options. Buyers across Dane County, Madison, and South Central Wisconsin are turning to a different kind of home financing when banks say no, one built around real income and assets instead of a credit score. If you've already been denied by a lender, or your situation just doesn't fit the traditional mortgage box, this program was built for you.

This isn't a conventional mortgage, and it doesn't underwrite you like one. Credit isn't a factor in approval. We use a soft credit pull simply to understand your story, not to score you out of a home. Documentation is limited to income and assets, gift funds are accepted toward your down payment, and there's no need to source every dollar sitting in your account. Most buyers in Wisconsin qualify with 15–20% down, with 10% available by exception, and closings can happen in as little as 14 days, far faster than a typical mortgage timeline.

This financing option is available on primary residences, second homes, investment properties, multi-unit buildings, commercial property, and raw land throughout the Madison area and surrounding Dane County communities. Monthly payments cover principal amortized over 25 years, keeping payments manageable, and property taxes and homeowner's insurance are escrowed and managed for you. There's no prepayment penalty, so you can refinance into a traditional mortgage, pay off the contract, or sell the home at any point during the term. The structure used is a contract for deed: you hold equitable ownership and move into the home from day one, while legal title transfers to you once the contract is paid off, refinanced, or otherwise satisfied. Every detail of the contract is reviewed with you in plain language before you sign anything.

The Huemmer Home Team has partnered with lenders to give buyers across the Madison, Cottage Grove, Sun Prairie, and greater Dane County area another path to homeownership when traditional financing falls short. If you've got a down payment ready and you're tired of hearing no, register below and someone will walk you through your options, no pressure and no obligation.

Call/Text Ryan Huemmer at 608-279-7824 for details