Conventional mortgages - We offer conventional conforming fixed rate and adjustable rate loans.  Owner Occupied, Second Home and Investor Loans.  Down Payments as low as -0- for qualifying borrowers.  We participate in FNMA Affordable Housing loans including My Community and Flex 100. 

Term:  10-40 years

Maximum Loan Amount:  $417,000

Federal Housing Administration - FHA loans are not just for first time buyers.  Down payment 3%.  Refinances availabe up to 95%.  FHA is committed to helping keep the American dream of homeownership alive.  They have reasonable credit guidelines and flexible underwriting standards.  Special rules and programs available for HUD owned properties. 

Terms:  10-30 years

Maximum Loan Amount:  $200,160 or higher, varies by county

Department of Veteran Affairs - VA loans are available for eligible veterans, those serving in the National Guard and active duty miliary personnel that meet VA requirements.  -0- down payment and no PMI are just two of the benefits of this program.  VA loans can be used to purchase or refinance.  VA has flexible and reasonable credit and employment requirements.  VA entitlement can be used multiple times as a previous home is sold.  VA requires a Certficate of Eligibility.  Contact us today, we love helping veterans. 

Term:  10-30 years

Maximum Loan Amount:  $417,000  cash out refinances have different requirements

The Guaranteed Rural Housing loan is availabe thru the Department of Agriculture.  This loan has many benefits, -0- down, financing of closing costs up to the appraised value, liberal credit and employment standards.  Approximately 3/4 of the state of Michigan is eligilble for this program.  We can walk you through eligible areas for this loan.  This loan does have income limits based on family size. 

Term:  30 years only

Maximum Loan Amount $417,000

Michigan State Housing Development Authority - MSHDA is one of our most popular loan products today due to their below market interest rate.  This is an excellent first time buyer loan to use and is also available for move up buyers in targeted areas.  Our staff is well versed and experienced in this loan.  This is a fixed rate loan.  Their rates are typically 3/4 of a percent lower than the current market rates.  Contact us today to learn more about this program and to see if you are eligible.  This loan does have income limits and prior homeownership restrictions..   

Term:  30 years only

Maximum Loan Amount:  from $188,400-$216,750 varying by county

We have numerous loans available to serve Investors.  Conventional as well as Non-traditional loans are available.  Stated income loans are available with a down payment and qualifying credit scores.  Our team of loan officers are well trained and well versed in the needs of investors in this ever changing market. 

Term:  10-30 years

Maximum Loan Amount:  $417,000 single family home