Have a down payment but can’t get approved? We can help.

Have a down payment but can't get approved?

If a traditional mortgage keeps saying no, it doesn't mean homeownership is off the table. There's a financing path built for buyers whose situation doesn't fit the usual box.

SOUND FAMILIAR?

You've got the down payment saved, but the bank still said no.

You've already been denied by a lender, and you're not sure where else to go.

Your income, credit, or situation doesn't fit the traditional mortgage box.

HOW IT WORKS

A path built around your story, not just your score.

This isn't a traditional mortgage, and it doesn't underwrite you like one. It's a financing structure designed for buyers who have the means to own a home but don't fit a conventional lender's checklist.

Credit - Not a factor in approval. We use a soft credit pull to understand your story, not to score you out.

Documentation - Limited paperwork. We look at income and assets, not a stack of bank statements and underwriter conditions.

PROGRAM HIGHLIGHTS

What you can expect.

Down payment — 15–20% typical (10% by exception)

Eligible properties — Primary, second home, investment, multi-unit, commercial, land

Monthly payment — Principal & interest, 5-year term amortized over 25 years

Taxes & insurance — Escrowed and managed for you

Prepayment — No penalty — refinance, pay off, or sell anytime in the term

Closing — As little as 14 days

THE HUEMMER HOME TEAM HAS A SOLUTION

Let's find out what's possible for you.

The Huemmer Home Team has partnered with lenders to give Dane County buyers another path to homeownership when traditional financing falls short. Register below and someone will walk you through your options, no pressure, no obligation.

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