Why a Foreclosure Crisis Isn’t on the Horizon
With inflation still lingering and financial strain persisting for many, fears of a looming foreclosure wave are understandable. However, a closer look at the data reveals a different story. Lenders Are Smarter, Borrowers Are Stronger The reckless lending practices that fueled the 2008 housing crisis have been significantly tightened. Today's borrowers are more qualified, with... Read More
Homeownership Boom: How Your Home Equity Has Soared!
Homeowners, rejoice! Your nest egg just got a whole lot bigger. Home prices have been on a steady rise, translating to a surge in equity – the value of your home minus what you owe on your mortgage. Soaring Demand, Soaring Equity Remember the bidding wars and limited inventory? All that competition has pushed prices... Read More
March Lunch and Learn: Managing Rental Property
Join us for a FREE lunch and learn session as Josh Smith, a seasoned property owner with over 250 rentals under his belt, shares his expertise on managing rental properties! Realtors feel free to bring your investor clients along with you. In this session, you'll gain valuable insights on: Streamlining the vacancy to move-in process: Learn... Read More
2024 Realtor Events
Each year we try and bring relevant education topics to real estate professions. These topics are designed for agents at any level. Regardless if you are a rookie agent or seasoned veteran there is always more to learn. In this forever shifting real estate market we are here to help you level up your game! Below... 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
Empowering Realtors: Unlocking Educational Opportunities with Treadstone Mortgage
In the fast-paced world of real estate, continuous learning is key to staying competitive and providing exceptional service to clients. Whether you're a seasoned Realtor or just starting your career in the industry, education remains a powerful tool for success. At Treadstone Mortgage, we understand the importance of knowledge and are committed to providing a... 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
Treadstone Mortgage of Kalamazoo
Jeremy Drobeck As a former Marine, Jeremy lives his life by an important code of ethics: lead by example, abide by an uncompromising code of integrity, and respect others. These principles have defined his professional career as a Mortgage Loan Officer and they are the reason he is highly respected by clients and agents alike.... 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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