Each page here answers one question Michigan borrowers ask me, with the answer in the first two sentences and the detail after it. New ones are added every month, built from the questions that come up most on calls and on my social channels.
I’m Rob McKenney, a Marine Corps veteran and an independent mortgage broker in Milford, licensed in Michigan only. If your question isn’t here, call me and ask it.
Call Rob: (810) 819-8686 Get A QuoteOften, yes: on your tax returns with write-offs added back, or on a 1099-only program. How each route counts your income, side by side with bank statement loans.
A worked example of how 12 or 24 months of deposits become qualifying income.
Why equity lines get turned down and what to check before you apply again.
The line items buyers actually pay, and which ones a lender controls.
The ways Michigan move-up buyers buy first, in the order it has to happen.
What to gather, what happens after you call, and what a preapproval letter means.
Restoring entitlement, including while you still own a VA-financed home.
The VA waiting periods and what underwriting looks for.
Eligibility under MCL 211.7b and how to file.
Looking for a loan type instead of a question? Every program I broker is on the loan programs page.
Tell me what you’re trying to do and what’s in the way. We’ll figure it out.
Call Rob: (810) 819-8686 Get A Quote