Michigan Mortgage Expert · NMLS #1884039
A smarter way to
finance your
Michigan home.
Buying a home, refinancing or figuring out what you can afford shouldn't require a finance degree. Jim helps Michigan buyers and homeowners understand their options, run the numbers and move forward with confidence.
Or call Jim directly → (810) 434-9245
Explore your options first. No pressure.
60-second mortgage match — no contact info to start
What are you looking to do?
Start here
What are you looking to do?
- Buy a HomeFind out how much home you may comfortably afford.Explore
- RefinanceExplore whether changing your current mortgage makes sense.Explore
- Use My Home EquityExplore HELOC and other available equity options.Explore
- Build a HomeLearn about construction financing options.Explore
- I'm a VeteranExplore VA home loan options.Explore
- I'm 62+Explore reverse mortgage possibilities.Explore
Run the numbers
Run the numbers.
You shouldn't have to submit an application just to start understanding your options. Everything here is yours to explore — no forms, no phone calls, no pressure.
Calculator 01
Monthly payment
Adjust the pieces of a Michigan mortgage payment and watch the total update in real time.
6.2% of the purchase price
Your rate depends on credit, program, property and market conditions.
Applied because the down payment is under 20%. Actual mortgage insurance varies by program.
Estimated monthly payment
$2,522
Loan amount $305,000 · 30-year term
This is an educational estimate, not a loan quote or commitment to lend.
Want Jim to run the real numbers?
Michigan first
Local knowledge.
More mortgage options.
Whether you're buying your first home in Michigan, building on acreage, moving into your next house, refinancing or simply trying to understand your options, you'll work directly with Jim from the first conversation forward.
Jim is based in Croswell, MI — close enough to know the local housing stock, and licensed to help Michigan buyers and homeowners more broadly.
Proudly helping Michigan homeowners.
Michigan First-Time Buyers
Understand what you can afford, what you'll need and what to expect — before you tour a single house.
Thumb & Blue Water Area Homebuyers
Local roots in Croswell, with financing guidance for buyers across the surrounding communities.
Rural Michigan Buyers
Acreage, outbuildings, wells and well-loved older homes all come with their own considerations.
Michigan Veterans
Guidance on VA financing for eligible veterans, service members and surviving spouses.
Michigan Homeowners
Refinancing, equity options or simply a check-in on the mortgage you already have.
Michigan Investors
Residential investment financing for a first rental or a growing small portfolio.
How it works
Three steps, no mystery.
- 01
Tell Jim what you're trying to do.
Take the 60-second survey, run a calculator or start an application.
- 02
Review your options.
Jim helps you understand the numbers, loan programs and tradeoffs.
- 03
Move forward confidently.
Get pre-approved and know exactly what your next step looks like.
Jim Potts
Senior Loan Officer · NMLS #1884039
Team Mortgage Company · Croswell, MI
Meet your loan officer
Hey, I'm Jim.
Mortgages are numbers, but homeownership is personal. My job isn't simply to hand someone a loan application — it's to understand where you're trying to go, explain the paths available and help you make a confident decision.
With more than a decade of combined finance and mortgage experience, I've worked with Michigan buyers and homeowners on purchases, refinances, construction loans and home equity options. A lot of the people I work with started out assuming homeownership wasn't possible for them. Frequently, it is — it just takes the right program and a real plan.
I'm based in Croswell, MI, and I work with people across the state. From the first conversation forward, you work with me directly.
Straight Answers
Know what the numbers mean and what happens next.
Direct Access
Work with Jim — not an anonymous call center.
More Options
Explore financing based on the situation, not a one-size-fits-all mortgage.
Loan options
More paths than one
kind of mortgage.
Different situations call for different programs. Here's the plain-language version — Jim fills in the details that apply to you.
Buyers & homeowners
Conventional
A flexible option for many Michigan homebuyers.
Conventional financing covers a wide range of situations — primary homes, second homes and investment properties — with several structures available depending on your down payment and goals.
First-time & repeat buyers
FHA
Government-backed financing that can work well for many first-time buyers.
Michigan veterans & service members
VA
Mortgage options created for eligible veterans and service members.
Rural Michigan buyers
USDA / Rural Development
Financing available for eligible properties and borrowers in qualifying rural areas.
Building on a lot or acreage
Construction Loans
Financing for borrowers planning to build their home.
Current homeowners
Refinance
Explore changing the rate, term or structure of an existing mortgage.
Homeowners with equity
HELOC / Home Equity
Explore ways to access available equity.
Homeowners 62+
Reverse Mortgage
Options for qualifying homeowners age 62+.
Michigan investors
Investment Property Financing
Explore financing for residential investment opportunities.
Program availability, eligibility and terms are subject to change and to borrower, property and underwriting qualification. Rates, credit requirements, down-payment requirements and loan limits are not published here because they change frequently — ask Jim for current details for your situation.
Get pre-approved
See what's possible before
you start house hunting.
A strong home search starts with knowing your numbers. Get pre-approved and shop with real information instead of guesses.
Takes about a minute — no contact info needed to start.
From the closing table
People remember how you
made the process feel.
“We had a great experience with Team Mortgage! We were first time home buyers, honestly kind of clueless how it all worked. Jim, Kelly, Kim, Nicole, and Hannah walked us through the whole process and made sure everything went smooth. From pre approval to closing, it all went a lot quicker than I thought. They made everything easy for us. No stress at all!”
“Jim, Kelly and team tolerated my lack of knowledge and worked their tails off to make our purchase easy. When we hit a bump in the road, Jim made it happen. These guys are the best.”
“I am a first time home buyer. I had the pleasure of working with Jim P and it was a great experience. He made it seem so easy (it's definitely not). He went above and beyond for me. He was polite, courteous and professional. He was even able to save me money in the long run. He stayed in touch every step of the way. 10/10 would recommend and use again!”
“Working with Team Mortgage was an absolute dream come true! The team was always quick to respond to questions, transparent with their options, and incredibly patient as we worked through my choices. Thanks to Team Mortgage, I'm now living in the home I've always dreamed of.”
“I just can't say enough good things about this company! They were fast & professional. Our loan officer was SO on top of every move! Jim was constantly in contact with us and helped us understand the whole process as we went.”
“I recommend these guys 100%. I am not an easy client to have and when I thought there was no way I would get a mortgage for a home they made it possible. Jim and Tom were there for me even when I wanted to back out a couple times.”
“Jim and the team at Team Mortgage were fantastic during our home buying process. They were VERY responsive to all my questions, and got us approved and ready to close FAST!!”
“Such a great experience! Made our home buying a process a breeze. Thanks Jim.”
“Team Mortgage and Jim were able to help me with a home that I thought I never would be able to do. Thank you so much.”
“Jim Potts was great!!! 10/10 highly recommend him!!”
FAQ
Common questions.
General education, not personalized financial advice. Your situation deserves a real conversation — that part is free.
Talk with Jim
Let's talk about your next move.
Tell Jim what you're working on and he'll follow up personally. Anything you've run in the calculators or the survey comes along with your message.
