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If you’re purchasing your first rental property in Michigan or expanding an established investment portfolio, securing the right financing is one of the most important decisions you’ll make. Investor-Friendly Financing Competitive long-term financing...
When it comes to financing homes across Michigan, especially in rural and suburban areas, understanding the differences between FHA and Conventional guidelines can make or break a deal. We work with borrowers every day who are purchasing properties with private wells...
When purchasing a home in Michigan, one of the most important parts of the mortgage approval process is documenting your assets. If you’re buying your first home in Grand Rapids, refinancing in Detroit, or purchasing a vacation property near Traverse City, we...
Self-employed borrowers often have significant funds available within their businesses, making it tempting to use those assets toward a down payment, closing costs, or reserve requirements when purchasing or refinancing a home in Michigan. While both Fannie Mae and...
We specialize in Non-QM (Non-Qualified Mortgage) financing solutions to help borrowers qualify using alternative documentation. Super-Jumbo Loans Up to $10 Million Financing luxury properties in Michigan requires lenders with experience. Our Super-Jumbo Loan programs...
We specialize in Non-QM mortgage solutions for borrowers who need creativity. One of our newest programs allows entity vesting for all occupancy types, enabling qualified borrowers to take title in an LLC, corporation, or partnership rather than in their individual...
When exploring Michigan home loans, many borrowers assume that Fannie Mae and Freddie Mac guidelines are identical. While they often look similar on the surface, there are important differences that can directly impact your loan approval, qualification, and overall...
We’re excited to highlight a recent Michigan success that demonstrates the power of this program. Recently Funded: $2.9 Million P&L-Only Refinance in Troy We successfully closed a $2.9 million refinance using our 1-Year Profit & Loss Only (P&L) program,...
Self-Employed Income: Schedule C Adjustments – For self-employed borrowers in Michigan, how income is calculated can vary by agency. Fannie Mae deducts both travel and meals expenses from Schedule C income Freddie Mac only deducts meals expenses, potentially...
One area that often creates confusion is authorized user tradelines and how they impact your debt-to-income (DTI) ratio. If you’re a Michigan homebuyer using FHA financing, here’s what you need to know. What Is an Authorized User Tradeline? An authorized user...
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:...