Adam Zeman Union Home Mortgage, NMLS #870441

Adam Zeman Union Home Mortgage, NMLS #870441 Adam Zeman, Loan Originator, NMLS #870441. I specialize in FHA loans, VA loans, down payment assistance, refinancing, and conventional mortgage options.

I’m Adam Zeman, a local mortgage loan officer helping buyers and homeowners across Milwaukee, Waukesha, and Southeast Wisconsin secure financing with confidence. Whether you're a first-time buyer, moving up, or looking to lower your monthly payment, I’ll guide you through the process—step by step. Backed by Union Home Mortgage, I combine local insight with national strength to deliver fast, smooth closings. Let’s make your mortgage experience personal—and powerful.

Adam worked with us previously on our refi, where he saved us money vs doing a refi with our prior lender. We recommende...
05/29/2026

Adam worked with us previously on our refi, where he saved us money vs doing a refi with our prior lender. We recommended him to a co-worker and he was able to get them approved where other lenders had trouble. Adam goes the extra mile for his clients. Highly recommend.

A lot of buyers still think conventional loans require 20% down.In reality, some conventional loan programs allow qualif...
05/16/2026

A lot of buyers still think conventional loans require 20% down.

In reality, some conventional loan programs allow qualified buyers to purchase a home with as little as 3% down.

That can be a huge advantage for buyers who want:
✔ lower upfront cash requirements
✔ competitive interest rates
✔ flexible property options
✔ cancellable PMI in the future
✔ a more affordable path into homeownership

For many Wisconsin buyers, 3% down conventional financing can be a great fit — especially if you have solid credit and stable income.

The key is understanding:
• your monthly payment
• cash to close
• PMI impact
• debt-to-income ratio
• and which loan structure actually makes the most sense for your goals

Every buyer’s situation is different.

I help buyers across Milwaukee, Waukesha, Brookfield, Franklin, Menomonee Falls, New Berlin, and all across Wisconsin review real numbers before they start shopping so they can move forward with confidence.

A lot of people are closer to buying a home than they realize.

📩 DM me if you want to compare 3% down conventional options, FHA financing, or review what you may qualify for.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min



One of the biggest reasons people delay buying a home is thinking they need a huge amount of cash upfront.But many Wisco...
05/15/2026

One of the biggest reasons people delay buying a home is thinking they need a huge amount of cash upfront.

But many Wisconsin buyers are surprised to learn there are down payment assistance programs that can help make homeownership more realistic.

Depending on the program and scenario, assistance may help with:
✔ down payment costs
✔ closing costs
✔ keeping more savings in your bank account
✔ getting into a home sooner than expected

There are options available for many first-time buyers — and sometimes even repeat buyers depending on the program.

The key is understanding:
• income limits
• credit requirements
• property eligibility
• monthly payment comfort
• and which program actually fits your goals best

I help buyers across Milwaukee, Waukesha, Brookfield, Franklin, New Berlin, Menomonee Falls, and all across Wisconsin review real numbers and real options before they start shopping.

A lot of people are closer to buying than they think.

📩 DM me if you want to explore down payment assistance options or see what programs you may qualify for.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min



Most people don’t realize you can finance the land, construction, and permanent mortgage all in ONE loan.That’s why one-...
05/14/2026

Most people don’t realize you can finance the land, construction, and permanent mortgage all in ONE loan.

That’s why one-time close construction loans are becoming such a powerful option for Wisconsin buyers looking to build instead of compete for existing homes.

Instead of multiple loans and multiple closings, a one-time close construction loan combines everything into a simpler process:
✔ one application
✔ one closing
✔ one loan
✔ one long-term financing plan

These loans can be used for:
• custom homes
• primary residences
• barndominiums in some cases
• rural builds
• land + construction financing
• FHA, VA, Conventional, and USDA construction options

One of the biggest advantages is being able to lock in your financing strategy before construction starts.

I help buyers across Wisconsin review:
• down payment options
• builder requirements
• land equity scenarios
• construction timelines
• monthly payment estimates
• and the best loan structure for the project

Building a home can feel overwhelming if you don’t have the right financing plan upfront. Having a lender that understands one-time close construction loans makes a huge difference.

📩 DM me if you’re thinking about building in Wisconsin and want to review options or run numbers on a future project.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min



A lot of real estate investors don’t realize there are loan programs designed around the property’s cash flow — not just...
05/13/2026

A lot of real estate investors don’t realize there are loan programs designed around the property’s cash flow — not just personal income.

That’s where DSCR loans can become a powerful tool.

DSCR (Debt Service Coverage Ratio) loans are built for investment properties and can help investors:
✔ qualify based on rental income
✔ expand their portfolio faster
✔ avoid traditional income documentation challenges
✔ finance short-term or long-term rentals
✔ keep growing without slowing down for tax return issues

For many investors, especially self-employed borrowers, DSCR financing creates flexibility that conventional financing may not.

Whether you’re:
• buying your first investment property
• scaling a rental portfolio
• purchasing an Airbnb
• or refinancing an existing investment property

having the right loan structure matters.

I help Wisconsin investors review:
• cash flow scenarios
• down payment options
• reserve requirements
• LLC ownership structures
• DSCR ratios
• and long-term investment strategies

Every investment deal is different, and the financing strategy should match the property goals.

📩 DM me if you want to review a rental property scenario or see if a DSCR loan could work for your next investment purchase.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min




05/12/2026

A lot of buyers have questions about the mortgage process — and honestly, most of them are more common than people think.

That’s why I’m starting a quick mortgage FAQ series to help simplify things and make the process easier to understand.

Today’s question:
“What credit score do I need to buy a home?”

The answer may surprise you.

Different loan programs allow for different credit score ranges, and many buyers are closer to qualifying than they realize.

If you have mortgage questions, feel free to message me anytime.

Adam Zeman
Union Home Mortgage
414-975-2654



A lot of Wisconsin buyers assume you need 20% down to buy a home.That’s one of the biggest mortgage myths out there.FHA ...
05/12/2026

A lot of Wisconsin buyers assume you need 20% down to buy a home.

That’s one of the biggest mortgage myths out there.

FHA loans continue to help buyers get into homes with:
✔ lower down payment options
✔ more flexible credit guidelines
✔ competitive financing
✔ easier qualification compared to many conventional programs

For many first-time buyers, FHA financing can make homeownership possible sooner than expected.

The key is understanding:
• your monthly payment
• your down payment options
• closing costs
• and what loan program actually fits your situation best

Every buyer’s scenario is different, which is why having a strategy upfront matters.

I help buyers across Milwaukee, Waukesha, Brookfield, Franklin, New Berlin, Menomonee Falls, and all across Wisconsin review their options clearly before they start shopping.

No pressure. No confusing lender talk. Just honest guidance and a game plan that makes sense.

📩 DM me if you want to see what FHA options may look like for you or compare FHA vs conventional financing.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min

The buyers who have the smoothest homebuying experience usually do ONE thing first…They get pre-approved before they sta...
05/09/2026

The buyers who have the smoothest homebuying experience usually do ONE thing first…

They get pre-approved before they start seriously touring homes.

That one step can help you:
✔ understand your real budget
✔ strengthen your offer
✔ move faster when the right home hits the market
✔ avoid surprises later in the process

A lot of buyers in Wisconsin start looking at homes online without knowing what the monthly payment actually looks like once taxes, insurance, and interest rates are factored in.

That’s where a good game plan matters.

I help buyers break everything down clearly so they know:
• what they qualify for
• what payment feels comfortable
• what loan options make the most sense
• and what to expect before making an offer

No pressure. No confusing lender talk. Just a straightforward plan built around your goals.

Whether you’re buying in Milwaukee, Waukesha, Brookfield, Franklin, New Berlin, Menomonee Falls, or anywhere in Wisconsin, getting pre-approved early can make the process WAY less stressful.

📩 DM me if you want to run numbers, review options, or see what you may qualify for.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min

Most Wisconsin buyers start touring homes before they actually know what they qualify for… and that’s usually when the s...
05/07/2026

Most Wisconsin buyers start touring homes before they actually know what they qualify for… and that’s usually when the stress starts.

Getting pre-approved first changes everything.

You’ll know:
✔ your realistic monthly payment
✔ your buying power
✔ what loan options actually fit your goals
✔ how competitive your offer can be

In a competitive Wisconsin market, strong financing matters just as much as finding the right house.

I walk buyers through the process step-by-step and keep things simple, clear, and upfront from day one.

Whether you’re:
• buying your first home
• moving up
• refinancing
• or just exploring options

having a game plan before house hunting can save a lot of time, money, and frustration later.

Most buyers are surprised how much smoother the process feels once they’ve already reviewed everything upfront.

📩 Message me if you want to see what you qualify for or run payment scenarios.

Adam Zeman | Wisconsin Mortgage Broker & Lender
Union Home Mortgage
NMLS #870441

📍 Serving Milwaukee, Waukesha, West Allis, Brookfield, Franklin, Menomonee Falls, New Berlin, Oak Creek & all of Wisconsin

📞 414-975-2654
🌐 https://adamzmortgageteam.com

📅 https://calendly.com/adam-zeman/30min

Address

11220 W Burleigh Street Suite. , 100
Wauwatosa, WI
53222

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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