The Doctor Loan: Buying a Home with Medical Student Debt

April 6, 2026

You have spent years dedicated to your education and training. That means four years in undergrad, four in medical school, and possibly three to seven years in residency or fellowship. While friends may have already settled down and purchased homes, you have been pulling 80-hour work weeks. Now, as you transition into practice or move […]

How to Qualify for a Mortgage With Side Hustle Income

April 6, 2026

At a Glance Make sure your side hustle income is well-documented—save invoices, bank statements, and tax returns to strengthen your mortgage application. Keep your income consistent and organized in a separate account, so lenders like Treadstone can clearly see your side hustle earnings over time. Connect with a Treadstone Loan Officer early for personalized guidance […]

How to Buy a House When You’re Self-Employed

April 6, 2026

At a Glance Gather at least two years of personal and business tax returns, profit and loss statements, and bank statements before applying. Work with a Loan Officer early to identify the best loan options and address any gaps in your application. Maintain strong credit and manage your debt-to-income ratio to strengthen your approval chances. […]

Neighborhood News & Market Insights — Spring 2026

March 27, 2026

As we move through March in West Michigan, the housing market is starting to find its spring rhythm. With changing conditions and new opportunities emerging, it is a great time to stay informed on what is happening locally. In this edition, we are sharing a look at current market trends, along with helpful resources designed […]

What is the Opt-Out Pre-Screen and How to Opt-Out in 2026

March 18, 2026

At Treadstone, nothing makes us more frustrated than the fact that pulling a client’s credit report gives the 3 major credit bureaus the legal right to sell your information to other companies. You will also experience this when you open a credit card or finance a new car. Don’t worry — they don’t get your […]

How to Decide Between Renting vs Buying a House in Michigan in 2026

March 18, 2026

Making the jump from renter to becoming a first-time home buyer in Michigan can feel like a big commitment! While the feeling is real, buying a home can be hugely rewarding both financially and emotionally in the long run. Here’s our advice: Buy a home if you’re planning on staying in one place for more […]

How to Use Your Section 8 Voucher to Buy a House: A Complete Guide

March 17, 2026

At a Glance The Housing Choice Voucher (HCV) Homeownership Program gives Section 8 renters an opportunity many thought was out of reach — using voucher to buy a home instead of renting. Your monthly assistance can help pay your mortgage, opening the door to equity, stability, and a place you can truly call your own. […]

Understanding and Disputing Property Taxes in Michigan: A Comprehensive Guide

February 25, 2026

Whether you’re a new homeowner or have been settled in your home for years, understanding property taxes is crucial for managing your finances effectively. In Michigan, the nuances of property tax assessments and the available avenues for disputes can be particularly intricate. This guide aims to explain these processes, offering clear, step-by-step advice on evaluating […]

Why Pre-Approvals for Mortgages are Important for Home Buyers in 2026

February 20, 2026

What Is a Pre-Approval? Pre-approvals are simple and easy, but they’re a heavy-hitter when you’re shopping for Michigan homes. Simply put, a pre-approval is when we check (and double-check) your qualifications for a potential home loan, and give you the green light to move forward with a home purchase. No more guessing! During the pre-approval […]

Current Mortgage Interest Rates in Michigan — 2026

February 18, 2026

 What Are Today’s Interest Rates in Michigan? Below is a mortgage interest rates chart* for rate trends in Grand Rapids, Michigan. The rates below are for educational purposes only. Displayed figures indicate trends and are not rates offered by Treadstone Funding to any particular borrower, as interest rates are affected by factors including credit, loan […]