Best Mortgage Company Oakland Township, Michigan

You obviously want to work with the best mortgage company in Oakland Township, Michigan, right? When you turn to Gem Home Loans, that’s exactly what you’ll be doing. That’s not just an empty claim, either – thousands of people throughout the state of Michigan will say we’re the best if you ask them. The main reason is that we simply know how to treat clients – as real people, not just dollar signs.

What Makes Us Different From Other Mortgage Companies?

Best Mortgage Company Oakland Township, Michigan There’s probably a pretty good chance you’ve worked with a mortgage company at some time in the past. Think about the experience you had. Did you truly feel that company was looking out for your best interests? Did you feel you were being forced into a specific type of loan? Odds are, you answered “no” to the first question, and “yes” to the second.

Gem Home Loans doesn’t work like that. We know buying a home can be a confusing, stressful experience – it really doesn’t matter whether you’re a seasoned veteran or this is your first time. Our experts get it. That’s why we’ll carefully spell out all of your options, and we’ll never – ever – try to influence your decision.

We’ll recommend what we truly feel is the best option for you and your family, but we won’t try to guide you in one direction or another. Other mortgage brokers do that – they’ll try to get you to pursue a specific type of loan because it will make them a huge commission. That will never be a concern when you turn to us.

Even though we pride ourselves in our approach, we’re just as proud of our deep knowledge of the Michigan housing market. Our team members have been in the mortgage business for years, and we have a vast network of investors. We can shop among these investors to find you the best possible terms.

Once you turn to Gem Home Loans, you’ll never want to deal with another mortgage broker. You’ll always be able to trust us to determine the best kind of loan for your specific financial situation. When the time comes to make your decision, you’ll be able to do so with complete confidence.

Finding the Lowest Rate

The hard truth is that far too many mortgage lenders couldn’t care less about what’s right for their clients. They don’t think it’s worth their time to help them find the most affordable interest rate possible. At Gem Home Loans, we do take that time. Finding the best rate will typically come down to the following:

Your down payment – Of course, the more money you can put down, the lower your rate will be. If you’re one of the fortunate ones who can put down 20 percent or more, then your rate will be incredible. But even if you can’t, we’ll help you find the best rate possible regardless of how much of a down payment you can afford.

Your credit – You might assume that you have to have a perfect credit score to find a great rate. It’s true that if your score is north of 750, you’ll find just that. If your score isn’t where you want it to be, though, we still might be able to help.