Blog
Completed Repairs
2014 Dollar Amount Of Repairs Completed: $179,425.10 It seems that now days appraiser required repairs are almost the norm. Looking back at the loans my team closed in 2014 over 33% had one repair or another required by the appraiser that couldn't be completed prior to closing. There is a misnomer out there that conventional... Read More
Homepath Financing Elimination
Fannie Mae has announced the discountinuance of special financing options for properties listed for sale at www.homepath.com. More specifically the homepath financing and homepath renovation financing products for both home buyers and investors. In order to take advantage of these programs with the current enhancements there must be a fully executed purchase contract dated on or... Read More
Title Problems With Tax Auction Properties
When it comes to tax foreclosures real estate investor can find some great buys. However often investors go in blind and don't find out about a major pitfall with tax sales until they go to resell the home. In a previous post we did about the tax auction we explain the basic process of how to acquire... Read More
Interview with MichiganHomes.com – Mortgage Options
Jeremy recently did a short interview with MichiganHomes.com who was looking for some expert advice on borrowers mortgage options. Read the full interview here Some of the questions he answered were: What would you recommend as the first steps that someone who wants to buy a house should take to secure a mortgage? What is one... Read More
Overbidding on HUD REOs
Looking to buy a HUD home? FHA recently changed the program around to make it easier for buyers to purchase properties and renovate them. Now buyers can overbid on HUD homes, obtain FHA renovation financing (203K), and they don't have to bring in the difference! Heres the deal. For properties that are FHA foreclosures (you... Read More
Repair Escrows
So how exactly does the repair escrow work? Well that's a great question! Let's go thru this step by step. We offer repair escrows with any loan program: FHA, VA, RD, & Conventional. Repair escrows give the buyer the ability to have the work done after closing. Here’s how it works: Appraisal is completed and... Read More
Qualified Mortgage – QM
You may have heard some of the buzz in the news about a qualifed mortgage rule rolling out in the begining of January. I want to try and dispell some of the rumors because the media as always makes this sound like a big deal. The fact is Lenders are already doing this and its... Read More
Another Happy Customer
Meet the Eckerts, closed a loan for them a few months back. After lots of hard work on their part they were finaly able to make their dreams come true. Here's their story:... Read More
RD Update: Government Shutdown
UPDATE FROM BELOW INFO: RD is issuing conditional commitments "subject to funding" We ARE Currently Closing and Funding RD Loans! I want to update you on the status of RD lending with the government coming back on line last night. Rural Development has sent out a couple different notices here is a brief summary: They... Read More
Government Shutdown: Whats the big deal?
Yeah the shutdown is a big deal for a lot of people and their families, but the houseing market certinaly hasnt come to a screaching hault. I was headed into work today listening to the radio and all the news about the government shutdown. We all knew it was possible and by the end of... 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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