★★★★★ Wisconsin's Top-Rated Local Mortgage Broker

Buy or Refinance a Home in Wisconsin
with Confidence

Name: Edge Home Finance
Price range: $$

Searching for a mortgage broker in Wisconsin who actually answers the phone? Adam Zeman is a local 5-star loan officer serving Milwaukee, Wauwatosa & all of Wisconsin. Same-day pre-approval. 130+ lenders competing for your loan. Zero surprises at closing.

Get Pre-Approved Today (414) 975-2654

✓ Same-Day Pre-Approval ✓ 130+ Lenders Compared ✓ FHA · VA · DSCR · Construction ✓ I Answer My Phone

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15+

Years Experience

Google Reviews

5.0★

Average Rating

20+

Lenders Compared

SameDay

Pre-Approval Speed

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★★★★★

Google 5.0 (26)

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NMLS #870441

Licensed in Wisconsin

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BBB Accredited

A+ Rating

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Edge Home Finance

NMLS #891464

⚖️

Equal Housing
Lender

Adam Zeman, Wisconsin mortgage loan officer at Edge Home Finance in Wauwatosa

15+Years in
Wisconsin

About Adam

Wisconsin's Trusted Mortgage Loan Officer with 15+ Years Experience

I'm Adam Zeman, a licensed mortgage loan officer based in Wauwatosa, WI — and I work differently than big banks. Big banks treat you like a number, push you into one product, and disappear after closing. I live in the Milwaukee metro, know the neighborhoods, and shop your mortgage across 130+ lenders to find the best program and rate for your situation. A bank can only offer its own menu — as your loan officer, I make lenders compete for you.

Whether you're a first-time home buyer in Milwaukee, a veteran using your VA benefit, a real estate investor using DSCR, or going through a divorce refinance — I've got the program for your situation.

✓I answer my phone. Nights, weekends, whenever you need me.

✓130+ lenders compared — not just one bank's product lineup.

✓Same-day pre-approval — most buyers get a letter within hours.

✓FHA, VA, down payment assistance (DPA), DSCR, Construction, Jumbo — all available.

Schedule a Free Consultation 📞 (414) 975-2654

What We Offer

Personalized Lending Solutions for Every Wisconsin Buyer

Every financial situation is unique. Adam finds the Wisconsin mortgage loan that fits yours — from first-time buyers to real estate investors.

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First-Time Home Buyers

Wisconsin first-time buyer programs, grants, and down payment assistance. Get expert guidance from start to keys.

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FHA Loans Wisconsin

3.5% down, 580+ credit score. The most popular loan for first-time buyers across Milwaukee and Waukesha County.

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VA Loans Wisconsin

0% down, no PMI, for veterans and active-duty service members in Wisconsin. Your benefit — use it.

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Conventional Loans

As low as 3% down. PMI drops at 20% equity. Often the best long-term choice for buyers above 700 credit.

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Construction Loans

One-time close construction financing for Wisconsin buyers building new homes in Waukesha County and beyond.

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DSCR Investor Loans

Wisconsin real estate investors: qualify on rental income, not personal income. No W2 or tax returns required.

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Divorce Mortgage

Wisconsin divorce refinance specialist. Keep the house, remove your ex from the loan. We understand the timeline.

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Refinance Wisconsin

Lower your rate, drop PMI, or cash-out your equity. Wisconsin refinance options for every situation.

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Simple Process

From Application to Keys in 3 Steps

No call centers. No being passed around. You work directly with Adam from pre-approval to closing day.

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Get Pre-Approved — Same Day

Apply online or call Adam directly. Most Wisconsin buyers get their pre-approval letter the same day. Know your exact budget before you start house hunting.

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We Shop 130+ Lenders

Adam compares rates and programs across 130+ lenders to find the best program and rate for your specific situation — not just the first offer.

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Close with Zero Surprises

Clear communication from offer to closing day. Most Wisconsin home loans close in 30 days or less. No last-minute shocks at the closing table.

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Client Stories

What Wisconsin Clients Say

★★★★★Google Reviews5.0 (26 reviews)

See all Google reviews ↗

FAQ

Frequently Asked Questions

The most common questions Wisconsin home buyers ask Adam before getting started.

Most Wisconsin buyers receive their pre-approval letter the same day they apply — often within a few hours. The process is straightforward: you provide basic income, asset, and credit information, and Adam reviews it immediately. Getting pre-approved before you start house hunting is the single most important step you can take.

It depends on the loan type. FHA loans require as little as 3.5% down. Conventional loans can go as low as 3%. VA loans for veterans and active-duty military require zero down payment. USDA loans for rural Wisconsin also offer 0% down. Many Wisconsin buyers are surprised to find they need far less than 20% to get started.

FHA loans accept scores as low as 580 with 3.5% down. Conventional loans require a minimum of 620, though you'll get better pricing above 700. VA loans have no official minimum — most lenders set their own floor around 580-620. The answer is almost never "you can't buy" — it's "here's which program fits your score."

Pre-qualification is an informal estimate based on information you provide without verification. Pre-approval involves actually reviewing your income documents, assets, and credit — it's a real commitment from a lender. In Wisconsin's competitive housing market, sellers take pre-approval letters seriously. Pre-qualifications often don't carry the same weight.

Wisconsin closing costs typically run 2–4% of the loan amount. On a $350,000 home, that's roughly $7,000–$14,000. These include lender fees, title work, appraisal, and prepaid items like property taxes and homeowner's insurance. In some cases, you can negotiate seller concessions to reduce your out-of-pocket costs significantly.

PMI (private mortgage insurance) is required on conventional loans when you put less than 20% down. It protects the lender — not you. It typically runs $50–$200/month. The good news: it automatically drops when you reach 20% equity. VA loans never require PMI. FHA has its own mortgage insurance that works differently. Adam can show you how to structure your loan to minimize or eliminate these costs.

Yes. State and local down payment assistance programs help qualifying Wisconsin buyers and work alongside FHA and conventional loans and can significantly reduce the cash needed to close. Income and purchase price limits apply by county — it's worth a specific conversation if you're buying in Milwaukee, Waukesha, or the surrounding suburbs.

Most Wisconsin purchases close in 25–35 days from accepted offer. Construction loans and more complex transactions can take 45–60 days. The biggest factor is how quickly documentation comes together at the start. Adam's process is designed to front-load the paperwork so there are no last-minute scrambles before your closing date.

Service Area

Serving All of Wisconsin

Adam is licensed in Wisconsin and specializes in Southeast Wisconsin — Milwaukee County, Waukesha County, and every community in between. No matter where you are in the state, Adam can help. Moving or investing outside Wisconsin? Through Edge Home Finance’s nationwide network, Adam can connect you with the right licensed loan officer in nearly any state.

📍 11220 W Burleigh St Suite 174, Wauwatosa, WI 53222

Milwaukee Wauwatosa Waukesha Madison Green Bay Brookfield New Berlin Menomonee Falls Racine Kenosha Oak Creek West Allis Franklin Muskego Germantown Pewaukee Greenfield Appleton Oshkosh Sheboygan Fond du Lac Eau Claire Janesville Oconomowoc

Contact

Let's talk through your options

Have a question or ready to get started? Reach out however's easiest — you'll hear back from me personally, not a call center.

Reach Adam directly

Call (414) 975-2654Quickest way to reach me Text (414) 975-2654Prefer to type? Same number azeman@edgehomefinance.comI read every email

Hours: Mon–Fri 8am–6pm · Evenings & weekends by appointment

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Buy or Refinance a Home in Wisconsinwith Confidence

Wisconsin's Trusted Mortgage Loan Officer with 15+ Years Experience

Personalized Lending Solutions for Every Wisconsin Buyer

From Application to Keys in 3 Steps

What Wisconsin Clients Say

Frequently Asked Questions

Serving All of Wisconsin

Let's talk through your options

Reach Adam directly

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Buy or Refinance a Home in Wisconsin
with Confidence