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 for many qualified buyers. Access to 130+ wholesale lenders. Clear communication through closing.
Adam will reach out within 1 hour. In the meantime, call or text anytime:
(414) 975-2654Apply Now
About Adam
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 compare loan options for your situation. A bank can only offer its own menu — as your loan officer, I shop that network on your behalf.
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.
Featured
Whether you're buying a home or looking at your equity, start with the option that fits your goals.
For homeowners
Need money for home improvements, debt consolidation, or another major expense? Compare a cash-out refinance, HELOC, and home equity loan before deciding.
Your home secures a HELOC, home equity loan or cash-out refinance. HELOC rates are usually variable. Not all borrowers qualify.
For homebuyers
Explore low-down-payment mortgage options and get a clearer picture of what buying a home in Wisconsin could look like.
Down payment options depend on the loan program, credit and income. Not all borrowers qualify.
What We Offer
Every financial situation is unique. Adam finds the Wisconsin mortgage loan that fits yours — from first-time buyers to real estate investors.
Simple Process
No call centers. No being passed around. You work directly with Adam from pre-approval to closing day.
Client Stories
FAQ
The most common questions Wisconsin home buyers ask Adam before getting started.
Service Area
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
Have a question or ready to get started? Reach out however's easiest — you'll hear back from me personally, not a call center.
Your message is on its way to Adam. Expect a personal reply shortly. Need an answer right now? Call or text (414) 975-2654.
Buying a Home
Find the loan that fits how you're buying.
Refinance
Every way to refinance, in plain English.
Often, yes, if your rate drops or you stretch the term. Adam runs the break-even math first, so you know how many months it takes for the savings to cover the closing costs. More on this →
Yes. Moving to a 15- or 20-year term raises the monthly payment but can cut the total interest you pay by a lot. More on this →
If you want a payment that never changes, refinancing an adjustable-rate mortgage (ARM) into a fixed rate ends the guessing. More on this →
Private mortgage insurance (PMI) can usually come off once you reach about 20% equity. Depending on your loan, that happens through a refinance or a cancellation request. More on this →
On many FHA loans, the mortgage insurance stays for the life of the loan. Refinancing into a conventional loan is often the way to drop it once you have enough equity. More on this →
A cash-out refinance can pay off high-interest cards with lower-cost money. It also spreads that debt over your mortgage term, so Adam will show you whether it actually saves you money. More on this →
Yes. A cash-out refinance lets you borrow against your equity for projects. If your current rate is low, a HELOC or home equity loan may fit better, and Adam will compare both. More on this →
Yes. A refinance can add a spouse, or take a co-signer or ex-spouse off the mortgage. More on this →
Yes. Second homes and rentals have their own rules, and rentals can often qualify on the rent they bring in, called DSCR (debt service coverage ratio). More on this →
Build & Invest
Building new or buying a rental.
See your full monthly payment with Wisconsin taxes, insurance and PMI, or check your refinance break-even in about a minute.
Open the Mortgage Calculator