West Michigan Home Loans | Treadstone Mortgage | Grand Rapids Mortgage Lender

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Say Hello To A Better Home Buying Experience

Buying a home is a big decision, no matter the circumstance. Having a trusted Treadstone advisor in your corner makes all the difference. We approach each interaction as a unique opportunity to exceed our clients’ expectations through personalization and expertise. Turning an often-stressful process into smooth-sailing is our commitment and our passion because nobody raves about average. So stop by, have a beer, a cup of coffee or join us for morning yoga—we’re here for you.

Who We Are

More Service. Less Hassle.

When it comes to loans, there’s never a one-size-fits-all. That’s why Treadstone offers 11 types of loans for every type of borrower. Whether you’re a first-time buyer or an avid renovator, we walk alongside you to select the loan that fits your needs—and sticks to your budget. What’s better? We ensure the process is seamless. Meaning you can count on us to close on-time, every time. No exceptions.

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Clients Who Love Us

The full Treadstone team was excellent to work with. They are extremely thorough and communicate milestones throughout the loan process. From start to closing day they delivered top quality customer service.

Trevor W. (June 2022)

I am a first-time home buyer, Treadstone made what I thought would be a daunting and painful process, easy and stress free. They were fast, reliable, dedicated, and completely on top of things. Looking for a home was very difficult during this market but closing on a home was a breeze with this group. I highly recommend them and will be using them again in the future.

Chris F. (June 2022)

Treadstone was incredibly efficient. I would often receive responses to questions in a matter of hours, if not minutes. Everyone who I worked with was incredibly friendly and helpful.

Gavin Y. (June 2022)

Treadstone and their team nailed all aspects of our refinancing. Strong customer service that was timely and genuine. They could write the manual on what it looks like to serve with honest clarity and direction for customers journeying through a new loan. Closing was smooth as Treadstone clearly had all their ducks in a row. Walked out of closing with a beautiful and thoughtful gift from the team at Treadstone and will gladly refer them to all that need their service!

Graham C. (May 2022)

Working with the online tools are simple, quick, and available whenever you have a moment. The communication with the staff was fast, and at the end of each week they gave me updates. I had a deadline that was less than their normal turn around, but they were able to hit my deadline which was super helpful.

Tyler S. (May 2022)

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FAQs

I would like to put down as little as possible, what program is best?

There are several mortgage programs in Michigan that require little-to-no down payments. Contact your Loan Officer to see what program fits your needs best.

Rural Development (RD) – 0%

Veterans Affairs (VA) – 0%
Conventional – 3%-5%
FHA (Federal Housing Administration) – 3.5%
Michigan State Housing Development Authority (MSHDA) – 1%

Does a pre-approval cost me anything?

Nope! Our pre-approvals are free! Contact your Loan Officer to get the process started.

What are your current mortgage interest rates?

Just like gas prices, interest rates for home loans in Michigan fluctuate daily. Please contact your Loan Officer to get an up-to-date mortgage quote.

How long is a pre-approval good for?

Most mortgage pre-approvals are good for 90-120 days. If your financial situation has changed in that time frame, you will want to contact your Loan Officer right away to ensure that your pre-approval terms are still valid.

How does credit affect our interest rates?

There are many factors that come into play when determining your interest rate, with your credit score being only one part of this equation. In general, a high credit score will help you get a lower interest rate.

What is the difference between my interest rate and APR?

An interest rate from a mortgage lender is a percentage of the principal balance on your loan charged on an annual basis. This interest is paid monthly and amortized over the term of the loan. APR (annual percentage rate) factors in all the costs and fees of the loan and expresses them as a percentage. It is to be expected that the APR is higher than the interest rate.

Why is my credit score lower than what I see on Credit Karma?

There are many credit models available. Many online credit monitoring companies use a different model than what is required when applying for a mortgage. Your lender will pull three credit bureaus’ scores and take your median score. We use Experian, Equifax, and TransUnion. The median of the three scores is considered your qualifying credit score for a mortgage.

What programs are there for first-time home buyers?

Conventional mortgage loan investors Fannie Mae and Freddie Mac offer first-time home buyer loan programs, known as HomeReady and Home Possible respectively. There are income limits and credit requirements that need to be met to qualify. These programs offer more favorable interest rates, lower private mortgage insurance (PMI), and flexibility on the amount you can put down.

Will pulling a credit report affect my credit score?

A single credit inquiry from a lender will have little impact on your credit score. Credit scoring models also consider when a consumer is shopping for the best rate on a mortgage and do not penalize them for this comparison shopping.