Blog
August 2022 Lunch & Learn / Webinar: Renovation Financing
Got Repairs? Renovation Financing for FHA, RD, VA, & Conventional We LOVE reno loans!!! Seriously most lenders run from houses in need of repairs. We embrace them. Over the last few years the number of renovation loans we have done has grown dramatically. Given the state of the market we have been using these... Read More
Buying and Financing Rental Property 2022 Event
July 2022 Lunch & Learn Event and Webinar for Realtors and Investors Working with home buyers searching for a new primary residence is a totally different game compared to working with investors and rental property. Sure, there are similarities, but what want-to-be home owners care about is different than what an investor cares about. Frankly,... Read More
June Lunch & Learn & Webinar: Property Taxes
June 2022 Lunch & Learn Event and Webinar Property taxes. . . seems like a very basic topic for a webinar. The fact of the matter is home buyers are facing huge potential property tax increases on the homes they are purchasing right now. This is due to the surge in home values. Current home... Read More
Down Payment Assistance: An In Depth Look At The MSHDA Programs
May 2022 Lunch & Learn Event and Webinar What is MSHDA? MSHDA stands for Michigan State Housing Development Authority. MSHDA's Homeownership division provides a number of different assistance programs for homebuyers. MSHDA works with both first-time homebuyers and move-up buyers. Loan Programs Covered Here is a list of loan programs we will discuss. During... Read More
Refinancing A MSHDA Loan
Can you refinance your MSHDA loan? We work with a lot of home buyers. As time goes on things change in there lives and they often call in looking to refinance the original mortgage we did. The question often comes up, can they refinance the MSHDA loan? The simple answer is yes. But lets take... Read More
Home Buyer Options
April 2022 Lunch & Learn Event As a Realtor, have you ever wondered why buyers fit into one program vs another? Every home buyers scenario is different. When first meeting with a buyer we take a deep dive into there personal financial information. The personal financial information is going to determine our limits for the... Read More
What is an escrow account? How do they work?
If you are looking at obtaining a mortgage or already have one, more than likely you will need to deal with an escrow account. It can be difficult to understand the timing and moving piece within the escrow account. Inevitably, if you have an escrow account your mortgage payment will change each year. Understanding how... Read More
Know Your Listing & How It Can Be Financed
March 2022 Lunch & Learn Event Taking On An Outside Of The Box Listing? Working as a real estate agent you are bound to come across some unique properties. Financing for those unique properties can be a challenge. It's best to identify possible problems and come up with a game plan before the listing goes... Read More
2022 Webinar and Live Event Calendar
Each year we try and bring relevant education topics to real estate professions. Below you will find a list of the topics we plan to cover and dates for each. For each topic we are offering a Live event at the Greater Kalamazoo Association of Realtors and a Zoom Webinar on the same topic the... Read More
Renovation Lending Event For Realtors: 2/17/2022
Having Trouble Getting FHA, RD, and VA Offers Accepted? Your Clients Have Options! Do you have Sellers not willing or unable to do repairs? Are your Buyers frustrated with Cash and Conventional only listings? Unsure about accepting renovation financing offers in this sensitive market? Did you know there are Renovation Loans available with FHA, USDA/RD,... Read More
Latest Blog Post
Conventional vs USDA Loan Michigan: Your 2026 Mortgage Flight Plan
The “obvious” choice for your mortgage might actually be the most expensive path if you don’t account for the unique terrain of the West Michigan housing market. While you might assume a massive down payment is the only way to avoid financial turbulence, comparing a Conventional vs USDA Loan Michigan reveals that the right flight plan often involves much less upfront cash than expected.
We understand that staring at a map of geographic eligibility or weighing monthly mortgage insurance costs can feel like flying through heavy fog. It’s frustrating when you’re ready to move but feel grounded by confusing requirements. This guide will help you compare these options with the precision of a seasoned navigator. You’ll learn how to identify if your dream neighborhood is USDA-eligible, how the 2026 loan limit of $832,750 impacts your Conventional path, and how the $119,850 income limit affects your USDA eligibility. By the end of this flight plan, you’ll have the expert coordinates needed to choose a loan that offers maximum lift for your West Michigan home journey.
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