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We work with all major agency programs, including Freddie Mac and Fannie Mae, as well as alternative lending solutions. Understanding the differences between these programs can help Michigan borrowers structure their loan applications correctly. One asset that...
If you’re starting a new job, receiving a raise, or transitioning into a higher-paying role, the type of loan program you choose matters. Let’s break down how Conventional and FHA loans differ in Michigan when it comes to future income. Conventional Loans in Michigan:...
Many Michigan borrowers work in industries such as healthcare, transportation, construction, and consulting, where per diem compensation is common. However, major mortgage programs, including FHA, USDA, and Conventional loans, have strict rules regarding whether this...
One area that often raises questions during underwriting and appraisal is the wastewater system, specifically whether the home uses a septic tank or a cesspool. While both are off-site sewage systems, they function very differently, and those differences can impact...
Timing matters in every Michigan home loan, especially when it comes to mandatory waiting periods. One of the most common sources of confusion for borrowers (and even some professionals) is the distinction between the 3-day waiting period in the Closing Disclosure...
We help Michigan borrowers leverage their full financial picture, not just what shows up on a W-2. Here’s a real-world example of how asset utilization can make a difference: Borrower purchasing a second home in Michigan Owns a primary residence and two investment...