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.
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.
