Allegan County News Interview
I was recently interviewed by the Allegan County News for an article entitled "FEMA Flood Map Work Might Hit Your Wallet" the article was spot on and went into some great points about home potential changes could affect home owners if there properties were moved into the "Flood Plain". If you a curious how close your property... 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
Attention Investors: Finding the dollars
Wanted to let everyone know I'll be speaking in front of a group of investors in Kalamazoo, Michigan on August 27th. If you are thinking about buying a rental property or looking to expand your portfolio this would be a great opportunity to not only learn more about the mortgage guidelines and process, but also... Read More
City Of Kalamazoo Housing Inspection News
Well the City of Kalamazoo has release there Summer 2013 Newsletter. Couple interesting things to note. Landlords so be sure to schedual reinspection for renew certificates well in advance to take advantage of the 40 month certificate. To find out when a certificate expires click this link Property Tax then select city of kalamazoo, then click... 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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