We Are Number One !!!!

In celebration of National Homeownership Month the USDA's Acting State Director for Michigan announced the top 10 rural development lenders in Michigan. We are proud to say that again for 2016 Amerifirst Home Mortgage is number one! In fact Amerifirst had a 16% market share for the program in 2016. The second lender on the... Read More

August Changes – TRID

Big scary changes coming in August 2015 to the real estate industry - NOT! - What is TRID? Did you hear?  TILA RESPA Integrated Disclosure Rule or TRID will be here August 2015.  There are some different in's and outs to the rule but the jist of it is that disclosure of figures has to... Read More

Agent Admin Fees – Rural Development

Update!!!!! If you have seen some of the other information I put out on this in recent month then you know that RD no longer allows Real Estate Agent Admin fees (just like the VA). In the guidelines that had been published RD simply said it’s not an allowable fee.  Good news for agents we... Read More

FHA vs 3% down Conventional

Great News! I love saying that because it seems over the last five or six years everything's been, heads up this bad thing is happening.  Not this time, there are two changes that are great news for the housing market.  Conventional 3% down is back & FHA has reduced there monthly mortgage insurance!  Let me... Read More

Rural Development Guideline Changes

So maybe you heard rumblings of something happening at RD.  Well there certainly are changes being made.  Some positive some not so great.  First off lets talk about timing.  RD is not out of money, for the last week of November they are not accepting application, but that's not so bad, they anticipate being caught... Read More

GKAR Tax Appeal Meeting

On January 22nd at the Greater Kalamazoo Association of REALTORS® will be hosting a presentation by Alan C. Jeffries from Advanced Property Tax Services. Mr. Jeffries will talk about why you would and/or should appeal your property tax, how to appeal and the process involved.  This is sure to be a great event.  I've personally used... Read More

Mortgage Insurance Comparison

I was going over loan options with a home buyer the other day and realized that we spend a lot of time talking about mortgage insurance and when comparing loan programs for people the cost of the PMI really comes into play.  When I sat down to make this video I was simply going to... Read More

City of Kalamazoo Housing Code Changes

To All The Landlords & Want to be Landlords Out There! Owning rental property in the City of Kalamazoo can be tough.  Trust me I know first hand everything you have to go thru.  Not only do you have all the rigors of being a landlord like tenant screening, repairs, & yes the occasional eviction. ... 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

Latest Blog Post

Home Renovation Loan Process

Since COVID hit, the housing market has been crazy!  With housing in high demand, the competition is getting tough out there.  Buyers are looking for alternative ways to buy a home and many have turned to renovation financing.  In fact, our renovation volume has tripled so far in 2021.  There are a number of reasons for this, but essentially, home renovation loans offer a number of advantages for want-to-be home buyers.

Here are some of the reasons more and more buyers are utilizing these loan programs:

Renovation Loan Advantages
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