Best Mortgage Lenders in Michigan

The best mortgage lenders in Michigan always act in their clients’ best interests. They’re not so laser-focused on making a profit that they will often try to convince homebuyers to pursue a certain type of loan program. That program might not be one the homebuyer can’t afford, but that doesn’t really matter. As long as the lender makes a huge commission, that’s all they care about. At Gem Home Loans, we hate that way of doing business. When you get a loan recommendation for us, it’s because we truly believe it’s best for your financial future.

What Makes Gem Home Loans the Go-To Lender for So Many Homebuyers?

There are a lot of reasons this is the case. People know that Gem Home Loans has a team of mortgage professionals who have been in the industry for several years. Clients also know that our experts treat them like people – we don’t look at clients as mere numbers. Unfortunately, there are some mortgage companies that take that approach.

Even worse, it can be hard to separate the ones who do this from the ones who don’t. You see ads on television, or you see marketing on the internet that makes it seem like a lender wants to be your friend, to guide you through the homebuying process. What it really wants is your money, and that’s it.

How can you tell the difference? It’s simple. You just go with Gem Home Loans. We will never treat you as if you’re imposing on our time. We’ll walk you through all of your options when it comes to home loans. If there’s a program we feel is a good fit, we’ll tell you. If we feel that certain types of loans won’t work with your specific financial situation, we’ll tell you that as well.

In order to be able to make the best recommendation possible, we’re going to ask you questions about your finances. We’re not being nosy, or trying to make your life difficult. What we’re doing is making sure we have the information we need to steer you toward the best loan – that’s it.

Another reason people choose Gem Home Loans is that they know we have an unmatched level of expertise. We are intimately familiar with the Michigan housing market – not just one area of the state, but the whole state. Also, we work with dozens of investors, and these investors offer hundreds of loan programs between them. You can rest assured we’ll find the program that works best for your exact needs.

How to Get the Best Mortgage Rate

There are a lot of factors that will help decide what your ultimate mortgage rate will be. These are just a few.

• The down payment – Do you think you’ll be able to put at least 20 percent down on your new home? If that’s the case, you can expect to get an incredibly low rate.

• Your credit score – The higher your credit score, the lower your rate will be. But even if your score isn’t fantastic, we can still work within your budget to find a great loan

• The loan itself – There are a lot of government-backed loans that offer lower rates than you might think are possible.

Learn more about why so many people consistently rate Gem Home Loans among the best mortgage lenders in Michigan. Contact us online or call (248) 780-1030.