Gem Home Loans is different from other mortgage brokers in Beverly Hills, Michigan in that we’re truly invested in the success of our clients. We want to make a profit like any other business, of course. We just believe there’s a right way and a wrong way to do it. The wrong way – which is, unfortunately, how far too many other brokers work – is trying to force clients into accepting certain types of loan programs that aren’t right for them. We’ve never worked that way, and we never will.
This is one of the many areas where we separate ourselves from other mortgage companies. There are some of them that will look at potential homebuyers like steak lovers would look at a beautiful T-bone. They can’t wait to sink their teeth into those kinds of clients because they know they can have a lot of influence over them. Instead of showing clients all of the options that are best for their specific situations, these brokers just see huge commissions.
At Gem Home Loans, we can’t stand that approach. We’ll always be honest with you. If we truly feel you’re in a solid enough financial position to take on a home loan, we’ll tell you. If not, we’ll tell you as well – and then tell you ways you can strengthen your finances so that you can afford a home.
These are just a few of the considerations you’ll need to keep in mind when determining if you should pursue a home loan.
While no one has the ability to tell the future, you do have the ability to take a hard, honest look at where you might be five years from now. Do you have a stable job, one that shows promise for growth? Do you have children, or are you planning to start a family? The answers to these and other questions will have a huge affect on whether or not you’ll be able to commit to a significant mortgage payment each month.
Your Credit
For a lot of us, our credit scores aren’t exactly where we’d like them to be. In many instances, it’s due to circumstances beyond our control. If you’re in this situation, don’t get discouraged. At the same time, though, you’ll need to be realistic about your chances to get approved for a loan. The good news is that there are programs available to people with credit challenges. A Gem Home Loans expert will be happy to explain them to you.
Your Goals
What kind of home are you looking for? What kind of monthly mortgage payment could you handle? While we never want to crush dreams, of course, we also want to be honest. You could very well be able to afford your dream home, the one you’ve wanted for years. But there’s also a chance you might need to adjust your sights, and get a home that might not be quite as large. We’ll take a good look at your financial situation and tell you exactly what kind of home we feel you’ll be able to afford.
The professionals with Gem Home Loans are ready to show you why you should turn to us when you need mortgage brokers in Beverly Hills, Michigan. Give us a call at (248) 780-1030 or use our online form to get in touch.
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