We Offer Land Contract
A path to owning a home in Wisconsin, even if a bank says not yet.
Contract for deed lets you buy directly from a seller, make payments on agreed terms, and build toward a deed of your own without waiting on a traditional mortgage first.
Why buyers come to us
Self-employed or 1099 income
Recent credit rebuild
ITIN, no SSN required
Between jobs or lenders
How it works
Four steps from offer to deed
Find the home
Pick any property on the market, or one of our contract for deed–ready listings across Dane County.
Set the terms
We structure the purchase price, down payment, interest rate, and payment schedule directly with the seller.
Contract for deed lets you buy directly from a seller, make payments on agreed terms, and build toward a deed of your own without waiting on a traditional mortgage first.
Why buyers come to us
Self-employed or 1099 income
Recent credit rebuild
ITIN, no SSN required
Between jobs or lenders
How it works
Four steps from offer to deed
Find the home
Pick any property on the market, or one of our contract for deed–ready listings across Dane County.
Set the terms
We structure the purchase price, down payment, interest rate, and payment schedule directly with the seller.
Sign and move in
You take possession and start making payments while the seller holds the deed as security.
You take possession and start making payments while the seller holds the deed as security.
Own it outright
Once the contract is paid off, or you refinance into a traditional mortgage, the deed transfers to you.
Once the contract is paid off, or you refinance into a traditional mortgage, the deed transfers to you.
Is this you
Built for buyers the mortgage market isn't built for
Contract for deed isn't a workaround. It's a legitimate, recorded path to ownership that works when timing, income documentation, or credit history don't line up with conventional lending — yet.
Good fit if you're…
Self-employed or paid on 1099s with strong cash flow but thin tax returns
Rebuilding credit after a life event and need 12–24 months to qualify conventionally
An ITIN holder without a Social Security number
A seller who wants to sell on terms and generate steady monthly income
What we handle for you
Drafting a Wisconsin-compliant contract for deed agreement
Setting a fair purchase price and payment structure for both sides
Coordinating title work, recording, and closing
A plan to refinance into a conventional mortgage when you're ready
Service area
We work with buyers and sellers across Dane County and the surrounding region.
Let's see if this fits your situation
Call or text to walk through whether contract for deed makes sense for you.
Ryan Huemmer, President
The Huemmer Home Team
Built for buyers the mortgage market isn't built for
Contract for deed isn't a workaround. It's a legitimate, recorded path to ownership that works when timing, income documentation, or credit history don't line up with conventional lending — yet.
Good fit if you're…
Self-employed or paid on 1099s with strong cash flow but thin tax returns
Rebuilding credit after a life event and need 12–24 months to qualify conventionally
An ITIN holder without a Social Security number
A seller who wants to sell on terms and generate steady monthly income
What we handle for you
Drafting a Wisconsin-compliant contract for deed agreement
Setting a fair purchase price and payment structure for both sides
Coordinating title work, recording, and closing
A plan to refinance into a conventional mortgage when you're ready
Service area
We work with buyers and sellers across Dane County and the surrounding region.
Let's see if this fits your situation
Call or text to walk through whether contract for deed makes sense for you.
Ryan Huemmer, President
The Huemmer Home Team
LPT Realty
Phone:
(608) 279-7824
Phone:
(608) 279-7824
LET'S GET YOU MORE INFO
