Forget Timing the Market, Focus on Time In the Market: Why Buying Now Could Be Your Smartest Move
The question of "buy now or wait?" is a common one for aspiring homeowners. While the perfect time to buy depends on your specific circumstances, there's a crucial factor to consider: time in the market is often more important than trying to time the market. The Pitfalls of Market Timing Predicting market behavior is a... Read More
Unlocking Real Estate Opportunities: Financing Insights for Rental Property Investment
Are you ready to dive into the world of rental property investment? Whether you're a seasoned investor or just starting to explore this lucrative avenue in real estate, understanding the financial aspects is crucial. Join us for an insightful Zoom event presented by Jeremy Drobeck, an esteemed mortgage expert at Treadstone Mortgage and real estate... Read More
Completely Legal House Hack
House Hacking Made Easy: Leveraging FHA Financing and 203(k) Loans House hacking is a real estate investment strategy that has gained significant popularity in recent years, and for a good reason. It offers individuals the opportunity to own a property, live in one part of it, and rent out the remaining units to cover mortgage... Read More
We didn’t sell your info. The credit bureaus did.
Are you getting bombarded with phone calls after we ran your credit? Over the last year as rates have increases trigger leads have become an increasing problem. We have had customers reporting in that they are receiving 200+ calls and text messages from desperate lenders after we ran their credit. I promise we did not... Read More
Exploring No and Low Down Payment Mortgage Options
Are you dreaming of homeownership but worried about saving up a hefty down payment? Fortunately, there are several mortgage programs designed to make homeownership more accessible, especially for first-time buyers. In this blog post, we'll explore three popular low and no down payment mortgage options: FHA, RD (Rural Development), and conventional loans. FHA Loans: The... Read More
Kalamazoo Real Estate: Why It’s a Prime Time to Purchase a Home
Are you contemplating the idea of buying a home in Kalamazoo, Michigan? Well, you're in luck because the current real estate market presents an opportune moment to make your dream of homeownership a reality. As a mortgage loan officer at Treadstone Mortgage in the heart of Kalamazoo, I can attest to the factors that make... Read More
Relocating to Kalamazoo?
Discovering the Charm of Kalamazoo, Michigan: A Guide for Visitors Kalamazoo, Michigan, is a city that is rich in history and culture. Located in the southwestern part of the state, Kalamazoo is home to many interesting attractions and activities that make it a great destination for visitors. Whether you're interested in exploring the outdoors, learning... Read More
Buying A HUD Home That Popped Positive For Lead Based Paint
Buying a HUD Home with Lead-Based Paint with an FHA Loan: What You Need to Know If you're in the market for a home and considering a HUD-owned property, there are a few things you should know before making an offer. One of those things is the possibility of lead-based paint in the home. Lead-based... Read More
HUD Reduces FHA Mortgage Insurance Premiums
The Federal Housing Administration (FHA) recently announced a significant reduction in the annual mortgage insurance premium (MIP) for FHA loans. This reduction means that borrowers who obtain an FHA loan will pay lower MIP rates, resulting in lower monthly payments and more affordable homeownership. The FHA has reduced the MIP rate from 85 basis points... Read More
What Is A Bridge Loan?
Buying a new home is an exciting prospect, but it can also be a stressful experience, particularly if you have to sell your current home first. If you are looking to buy a new house but don't want to wait for the sale of your current property, a bridge loan could be the solution you... Read More
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Jumbo vs Conventional Loan
JUMBO LOAN VS. CONVENTIONAL: WHAT KALAMAZOO MOVE-UP BUYERS MUST KNOW
Are you shopping for a luxury executive home or a custom build in Texas Township, Portage, or Richland?
Yesterday, a move-up buyer walked into my office after touring a gorgeous five-bedroom home near Texas Corners. The listing sat well above their previous starter home price point, and they were trying to calculate their down payment strategy.
They asked me, “Jeremy, at what price point does our mortgage switch from a standard Conventional loan into a Jumbo loan? Do Jumbo loans require massive 20% cash down payments?”
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