Behind every Mortgage is a Story and behind that Story is a Great Mortgage Company

Leading the Way in Home Loans turning Dreams into Reality...
Behind every Mortgage is a Story and behind that Story is a Great Mortgage Company


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We believe everyone deserves an opportunity to be APPROVED for a mortgage.
We Strength Families and Change Lives!
Because for us, it’s PERSONAL!
THE AMERICAN DREAM
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
There are multiple different types of home loans available to you, familiarize yourself with them, we have our mortgage programs lined up and explained perfectly . But don't worry our mortgage experts are here to help you choose the best home loan for your needs.

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal
down payment. FHA loans allow individuals who may not qualify for a conventional mortgage obtain a loan, especially first time home buyers. These loans offer low minimum down payments, Reasonable credit expectations, and flexible income requirements.

A Conventional loan refers to a mortgage that is not insured or guaranteed by any government agency, such as the FHA, VA, or USDA.. A conventional loan refers to a mortgage that is not insured or guaranteed by any government agency, such as the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), or the U.S. Department of Agriculture (USDA). Instead, conventional loans are originated and funded by private lenders, including banks, credit unions, and mortgage companies. These loans typically require higher credit scores and down payments compared to government-insured loans.
Conventional loans offer a variety of terms and options, including fixed-rate and adjustable-rate mortgages, making them a popular choice for borrowers who have strong credit histories and financial stability.

A Non-QM (Qualified Mortgage) loan is a type of mortgage that doesn't meet the standards set forth by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans are typically designed for borrowers who don't meet the strict criteria for traditional mortgages, such as those with non-traditional income sources or lower credit scores. Non-QM loans offer flexibility in underwriting criteria, allowing lenders to consider factors beyond just credit score and debt-to-income ratio. However, they often come with higher interest rates and may require larger down payments to offset the increased risk for the lender.
Non-QM loans are specifically designed for self-employed and 1099 borrowers who can’t qualify using traditional w2's or tax-return-based methods.

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment.
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.
Additionally there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personal that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.

A jumbo loan in Michigan is any loan amount exceeding the conforming loan limit of $806,500 for a single-family home. This is because a mortgage loan that is larger than what Fannie Mae and Freddie Mac can purchase is considered "jumbo" or "non-conforming". For most areas in Michigan, the limit is $806,500, although some high-cost areas can have a slightly higher limit.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can't be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms.

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income. USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don't have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations. .

A Home Equity Loan (HELOC) is a type of mortgage that allows homeowners to borrow against the equity in their home.

A DSCR mortgage loan is a type of investment property loan that qualifies the borrower based on the property’s cash flow, NOT the borrower’s personal income, W-2s, or tax returns. A DSCR loan is a mortgage for rental properties that qualifies you based on how much the property makes a month.

A cash-out refinance is a type of mortgage loan where you replace your current home loan with a new, larger mortgage—and you take the difference in cash.
Here’s the simplest, borrower-friendly explanation:
You refinance your home for more than what you currently owe, and the lender gives you the extra money at closing.
You
A cash-out refinance is a type of mortgage loan where you replace your current home loan with a new, larger mortgage—and you take the difference in cash.
Here’s the simplest, borrower-friendly explanation:
You refinance your home for more than what you currently owe, and the lender gives you the extra money at closing.
You can use that cash for anything: renovations, debt payoff, investments, or major purchases.
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Fri | 09:00 am – 07:00 pm | |
Sat | 11:00 am – 02:00 pm | |
Sun | Closed |
2930 W. Hamlin Rd, #111 Rochester Hills, MI 48309
Office 248.534.1720 Fax 877.773.5461 NMLS #1665272 License #FL 0021298
Open today | 09:00 am – 07:00 pm |
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