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We help people buy houses so they can create a home. Here we share more than mortgage finance tips (although we do that too). We aim to help you make your house a home through DIY projects, pet care, hosting tips, yard maintenance, and much more!

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Low Mortgage Interest Rates… Am I Too Late?

I recently had a discussion with one of our VP’s at Stockton Mortgage. I made the comment, “I would but interest rates are super high.” His response was, “That’s the problem with your generation; you all have only known 4% interest rates. It wasn’t that long ago that interest rates were at 8-9%.” The thing is, he is right. Interest rates may not be at “historic lows” but they are still historically low.

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Limited Time: Mortgage Down Payment Assistance in Michigan Counties

For first time home buyers one of the most difficult hurdles is the down payment, that is why when forgivable down payment assistance programs are rolled out we try to let everyone know! In the past, we have witnessed firsthand the benefit that many families experienced from programs like these in other states. In fact, one year we had about 20 families who had been working towards owning a home by trying to save up funds but the “finish line” seemed far off. However, with the assistance of the forgivable down payment assistance program, they were reenergized to reach that finish line!

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Savvy Money Saving Tips for a Down Payment

In today’s economy, it’s harder than ever for renters to save up the money that they would need for a down payment on a new home. Luckily, there is a whole bundle of ways to become more money savvy! Here are my top 5 simple ways to save money for the down payment on your first home!

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Have you heard about the 203k Loan for Renovation Financing?

Who doesn’t love the television show, Fixer Upper? Chip, Joanna and the Gaines children have found their way into the hearts of many in their handful of seasons on HGTV. Their warm personalities certainly don’t hinder their lovability but we watch because their ability to “take the worst house, in the best neighborhood and turn it into a client’s dream home” is spectacular! We love to see a house that easily could have been looked over become a beauty; not to mention, how much the value of the home increases. But how do they finance these projects? If you wanted to improve your home through renovations, how would you finance it? There are a few options; credit card, savings, HELOC (home equity line of credit) or a renovation mortgage.

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Cutting the House in Two

Cutting a house in half sounds like a ludicrous idea but if you are going through the process of divorce you just may feel like this would be the easiest way to move forward. Divorce has enough stress surrounding it that even the thought of having to deal with the nuances of adjusting the mortgage arrangement could force one to put it off several months or even years. By doing this, you may end up having more heart ache and problems in the long run.

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Special Financing for Rural Living Available

Hobby Farm. That was a new phrase to me just about a year ago. When first hearing it, one may envision a posh warehouse filled with paint or clay covered people trying to find a hobby that speaks to them. As much as I love that idea, this is not the hobby farm I’m going to share with you today. The hobby farm I’d like to introduce you to is one that allows you and your family the opportunity to cook a meal from the items you grew and harvested. One that gives you quieter nights and mornings filled with chirping birds. One that gives you room to roam, to grow, and to experience nature more fully.

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The Impact of a Down Payment

Over the years we have found that the down payment requirement has left many people with questions; like how does a down payment impact your mortgage? Let’s start with understanding what a down payment on a mortgage is; a down payment is the amount of money that you will pay out of pocket towards the purchase price of the home you are buying. Not only will it lower the amount needed for your mortgage but it also shows lenders, like us, that you are able to save money and are serious about the investment in your home. 

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Mortgage Monsters Aren’t Real

Getting a mortgage can be intimidating and trying to wrap your head around all the numbers, financial terms, and paperwork can be enough to make your brain feel mushy—heck, the word mortgage is hard to spell. It should be spelled, “morgedge”, who is with me?! Don’t worry, Mr. Merriam Webster, I’ll save that fight to fight another day. My goal is to put any fears associated with getting a mortgage, to rest.

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Home Buyer Questions Answered

The process of buying a home can leave you with a lot of questions but what if you have questions before you even consider buying a home? You certainly aren’t alone. A lot of people find themselves wondering if they can purchase a home despite not being as prepared as perhaps they think they should be. The best way to find out if your circumstances prevent you from buying a home is to meet with a mortgage banker or apply online—this process is free and will give you the answers you need! However, if you aren’t quite ready to submit that application just yet, check out some of the questions we have gotten below, maybe you will have your question answered too!

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Five Mortgage Myths: Don’t fall for them!

While the mortgage process is generally the same for most home buyers, each person has his or her own experience—own trials, own timeline and own take on feasibility. So be wary when someone shares generalized ideas about the mortgage process they could be myths. I’ve included five myths which we have found some people accept as fact.

Let us guide you home.