Michigan mortgage loans

Michigan mortgage loans for every situation

New Executive Mortgage has a mortgage for every different need.  We offer Michigan mortgage loans such as:

  • Conventional loans – fixed rate mortgages at terms of 10, 15, 20, 25, and 30 year durations
  • FHA loans – lower down payments, great for first time home buyers
  • Rural Development loans – no down payment, great for buyers in rural areas
  • Refinancing options with various terms and competitive rates
  • Other popular loans like VA and 203K loans, among others
    • A VA (Veterans Administration) mortgage carries many of the same advantages as a FHA home mortgage, but with no down payment; however, to qualify for this mortgage, you must be a qualifying veteran, the unmarried widow of a veteran, or an active-duty serviceman.
    • With FHA 203K loan, a homebuyer can purchase a home that needs repairs or updates, which can be financed into the mortgage and completed after the purchase of the home.

Contact me so I can find the right loan for you.  I am fully licensed in the state of Michigan and can work with anyone, anywhere in the state.

Personalized service for each Michigan mortgage loan

It’s very easy to be treated like a number by the banks and big mortgage companies.  I treat every mortgage seeker the same, regardless of the size of the loan.

Here’s a comment from a  recent refinance I did:

“Kelly Dais helped me in refinancing my mortgage.  I had a lot of questions and was nervous about refinancing.  Kelly was very helpful and answered all of my questions.  I would recommend Kelly to anyone looking to purchase a home or refinance an existing mortgage” – Tracy A.

We can look at your personal situation and discuss:

Michigan loans and interest rates available to you, based on your credit rating, debt ratio, and employment history.

The latest programs and discounts available to you.

Amount of monthly payment you can afford, including insurance and property tax costs.  For a quick check, you can use the Michigan mortgage calculator at the right.

Amount of money you can be pre-approved for.  Determining how much money you can borrow is the first step in the purchase process.  Getting pre-approved for a Michigan home loan is an excellent strategy because you actually go through the process.  Issues such as income, credit scores, personal wealth, and so on are resolved.  At the end of the process, the bank agrees to issue a loan up to a certain amount, contingent upon an appraisal of the home you eventually decide to buy.  The lender will produce a letter indicating as much, and it is a very valuable letter.  If you were selling a home, would you prefer a buyer with a pre-approval letter or one without?

I will be up front about the fees involved, right from the beginning.  You’re going to have to pay them wherever you go – I just won’t surprise you at the closing, like some places will.  Common closing cost fees include:  Appraisal, Recording of the Deed, Title Report, Credit Report, Closing, and Loan Origination.

Contact me to learn more about Michigan mortgage loans available

To get started, or if you just want me to answer your questions, call me at 989.245.2230 or drop me an e-mail at kdais@newexecmtg.com.

Click on the links to learn more about Conventional Michigan home loans, Michigan FHA loans or Michigan Rural Development loans.  Click these link for our Michigan mortgage rates and Michigan Refinance options.

If you think your credit score needs help, check out this page.

Contact

Kelly Dais
989.245.2230 or
KDais@newexecmtg.com

MortgageCalculator.org
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