We are a Michigan based Mortgage Broker. That means we have access to multiple lenders with the best rates and loan programs to match your mortgage needs. Our mission is to provide the perfect loan for your perfect home with as little stress as possible!
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On the fence about buying now vs waiting a bit?
Here is a helpful analysis we put together so you can see what it costs you to wait!
If you need specific advice or guidance (or would like custom numbers), we'd be happy to help.
So, you’ve been tossing and turning at night, haunted by thoughts of your mortgage. Or maybe you just heard your neighbor bragging about their shiny new rate and you’re wondering if you’re missing out. Welcome to the world of refinancing—a place where opportunities abound, but pitfalls lurk in the shadows. Let’s dive into the pros, cons, and why chatting with a licensed loan originator (yes, those magical beings) might just be your ticket to mortgage peace of mind. The Pros of Refinancing: Lower Interest Rates Imagine paying less interest over time. Lower rates can save you a bundle, and who doesn’t love more cash in their pocket for avocado toast or skydiving lessons? Reduced Monthly Payments Refinancing can stretch out your loan term or secure a lower rate, making your monthly payments less painful. Your wallet will thank you. Switch Loan Types Are you locked into an adjustable-rate mortgage (ARM) and dreading the day it adjusts to the moon? Refinancing lets you jump to a fixed ra...
Why Michigan Is a Hidden Gem for Global Real Estate Investors Welcome to the Midwest's best-kept secret. If you're an international investor looking for U.S. real estate opportunities with strong returns, low volatility, and natural resilience, it's time to take a closer look at Michigan. 🏡 Why Invest in Michigan? 1. Affordable Entry Point You don't need millions to start investing in Michigan. Properties in cities like Kalamazoo, Grand Rapids, and Lansing often range between $120K to $250K, making it easier to scale a portfolio or start with less capital. 2. High Rental Demand With a strong university presence, growing healthcare systems, and a manufacturing base that’s evolved into tech and green industries, rental demand remains stable year-round. 3. Impressive Cash Flow Unlike the coasts, Michigan properties tend to cash flow from day one. Many investors report 7% to 10%+ cap rates with the right strategy. 4. Environmental Safe Haven Michigan is natur...
Getting a mortgage with low income can be challenging, but it is possible. Here are some tips to help you increase your chances of getting approved: Improve your credit score: A higher credit score can help you qualify for a lower interest rate, which can make your mortgage more affordable. Paying bills on time, keeping credit card balances low, and disputing errors on your credit report can help improve your credit score. Explore government-backed loan programs: Government-backed loan programs such as FHA and USDA loans may have lower income and credit score requirements than conventional mortgages. These loans can also have lower down payment requirements and may be more flexible when it comes to income verification. Find a co-borrower: Having a co-borrower with a higher income and credit score can increase your chances of getting approved for a mortgage. However, it's important to note that both borrowers will be equally responsible for repaying the loan. Consider a lower-price...
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