Our Firm’s History

How we started….

2007 – Huettner Capital, LLC is Founded
After four years managing retail mortgage offices for large homebuilders, Todd Huettner realized there was a need for truly independent professionals who could actually handle complex loans as well as a huge desire from borrower’s for individualized service. As the industry focused on larger numbers of transactions serviced by call-center “experts”, Huettner went in the opposite direction and started Huettner Capital to work with individuals on a referral basis. Taking time to work in-depth with fewer clients allowed Huettner Capital to close loans for clients as planned and on time solving the delays and problems inherent with the traditional loan process.

2008 – Federal and State Regulation Increase Lending Complexity
New regulation, including full documentation requirements for all residential mortgage loans, significantly increased the need for specialized mortgage services. Being qualified for a loan only mattered if you worked with a lender who could get your loan approved.

2010 – Introduction of the Financial Separation Plan
To assist his clients dealing with divorce, Todd developed The Financial Separation Plan. Instead of trying to fix mistakes after the fact, the plan shows clients how to separate their finances and open new accounts without destroying their credit.

2014 – Huettner Capital becomes a mortgage lender
The move from Broker to Lender was a natural progression for a growing mature business in the mortgage industry. However, new rules and regulations created immediate benefits to clients overnight.

In January 2014, new Qualified Mortgage (QM) rules went into effect in an effort to lower mortgage rates and fees. The problem is these rules regulated Brokers and Bankers differently and resulted in numerous unintended consequences.

In several cases, these new rules would have required our borrower’s use a lender who actually had higher rates and fees just to meet the new rules of “lower cost loans.” Additionally, the largest banks in the country discontinued brokering loans severely limiting options for borrowers. In response to these changes, Huettner Capital became a lender and began funding its own loans.

As a mortgage lender, Huettner Capital can offer even more competitive rates and fees with access to even more loan programs and gain direct control over the entire loan process resulting in an even better experience for clients.