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

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Buy a home with zero down payment

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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. Stop by for a coffee or a chat — 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 19 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 team at Treadstone Mortgage was nothing short of amazing to work with. They were patient and always available to answer any questions I had a long the way. What wonderful experience I had with them!

Missy W. (February 2025)

Treadstone was very good to work with. As someone who did not know a whole lot going into the process, they were able to answer all of my questions promptly and correctly.

Joshua B. (January 2025)

Treadstone helped me purchase my first home! They were friendly and made home buying easy with their fast responses.

Slater S. (December 2024)

Easy first-time mortgage experience. Everything was clear and easy to understand!

Michaela T. (November 2024)

Great communication, closed my FHA Loan very quickly with a good interest rate. I would recommend Treadstone Funding over your bigger banks, as they specialize in mortgages.

Jonathan R. (November 2024)

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Explore the cities and areas we serve everyday. We’ve created a go-to guide for spots to sip, share a meal, or treat yourself. Take a look.

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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.

The Only Mortgage Company Worth Following

Treadstone Mortgage

Not Your Average Mortgage Lender

Buy a home with zero down payment

Say Hello To A Better Home Buying Experience

More Service. Less Hassle.

Clients Who Love Us

Explore Areas

Wanna Join Our Crew?

FAQs

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

Does a pre-approval cost me anything?

What are your current mortgage interest rates?

How long is a pre-approval good for?

How does credit affect our interest rates?

What is the difference between my interest rate and APR?

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

What programs are there for first-time home buyers?

Will pulling a credit report affect my credit score?

The Only Mortgage Company Worth Following

Mortgages — Better. Faster. Smarter.

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