grand rapids mortgage company

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  What Credit Score Do You Need to Buy a House in Michigan?

  May 25, 2026

  Your credit score is one of the biggest numbers in your mortgage application, but it isn’t the whole story. Lenders use your credit score for a mortgage to gauge how likely you are to pay back what you borrow, and a stronger score can mean a lower interest rate (which could be tens of thousands […]

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  Average Monthly Mortgage Payments for First Time Home Buyers

  February 3, 2023

  First-time homebuyers often ask us how much their mortgage payment should be, but the answer varies based on individual situations and scenarios. Some of the factors that go into determining your monthly mortgage payment may include your home’s value and the purchase price, your interest rate (as determined by the broader market conditions and your […]

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  How to Qualify for a Mortgage with Debt

  March 5, 2022

  Many people think that it is impossible to buy a house if you have debt. That is simply not true! Everyone has debt! It’s the type and amount of debt you have that will influence mortgage qualification. When it comes to personal debt and getting a mortgage, the main considerations are: How much debt do […]

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  Mortgage Qualification After Bankruptcy: Rules, Timelines, & Information

  October 20, 2021

  People file for bankruptcy for a variety of reasons both personal and business. Although there are many rules regarding bankruptcy and home buying it is still possible to purchase a new home if you have filed for or gone through bankruptcy in the past. We discussed the topic with some of our licensed Loan Officers […]

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  Non-Warrantable Vs. Warrantable Condos

  July 31, 2020

  Is buying a condo right for you? Condominiums, or condos, can be great alternatives to detached homes. City dwellers, singles, couples, seniors, and many others may find condos that suit their needs and budgets. Others may simply prefer low-maintenance living. Buyers who feel “priced out” of homes may discover condos offer an affordable homeownership alternative. […]

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  How Lower Interest Rates Can Increase Purchase Power

  July 9, 2020

  With a limited inventory of affordably priced homes and a high demand, searching for a house can feel exhausting. Although the competition and dreaded multiple offer situation may make you want to put off purchasing a home until the market slows, 2020 is actually a great time to buy a home in Grand Rapids. Here’s […]

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  What You Need To Do To Get Mortgage Ready

  March 24, 2020

  So, you’re ready to buy a new home, or you think you may be soon. There are many important things to contemplate before getting a mortgage. Buying a home is one of the biggest and most important purchases of your life, and signing on for a 15- or 30-year mortgage payment can feel…daunting. But if […]

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  Knowing When it is Time to Downsize

  January 27, 2020

  Moving into a smaller home may feel like a step down, but it has a few upsides: saving money, saving time, and having less clutter in your life. According to a 2018 study by Fannie Mae, it is predicted that there will be a 42% increase in the number of older Americans exiting home ownership […]

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  I’m New in Town, Can I Get a Mortgage?

  June 5, 2019

  Relocating and buying a house in a new city doesn’t have to be a daunting task when you work with the right Realtor and Lender who can help you pre-plan.  To ensure you have an easy move, we have compiled some helpful tips, so you can better prepare for your upcoming move. The same basic […]

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  100% Financing and Zero Down Payment Loans for First-Time Home buyers

  July 10, 2014

  Many people do not realize that you can still buy a home with 100% financing (also known as a zero down payment loan)! There are currently two mortgage programs which allow home purchases with 100% financing or 0% down payment. Those options are: Veterans Loan (VA Loan) USDA Rural Development Loan. Both loans have certain […]