FHA, Conventional, VA, USDA, Jumbo, DSCR, Fix & Flip, HELOC, Wealth Builder First-Lien HELOC, Second Mortgage, Bank Statement, Reverse Mortgage, plus every construction and renovation product (Conventional, FHA 203(k), VA, USDA) — all shopped across dozens of wholesale lenders. Wholesale pricing, not retail markup from a bank that only has three products.
Government-insured, flexible credit, lower down payment. The workhorse for first-time buyers.
FHA details →The benchmark. A low down payment for first-time buyers, PMI you can ask to cancel once your balance reaches 80% of the original value, and pricing that rewards the credit you built.
Conventional details →Zero down, no PMI, competitive rates. Earned by service — don't leave it on the table.
Get a quote →Zero down for rural and suburban Michigan. Eligibility is by ZIP — worth the 2-minute check.
Get a quote →Above conforming limits. Custom underwriting for higher-value Michigan purchases.
Get a quote →FHA, conventional, VA and USDA — the full menu for buyers with one shot to get it right.
First-buyer guide →Conventional, FHA, VA and USDA all have a low or zero down option. Pick your path.
Get a quote →Build your primary home — finance the land, the build, and the permanent mortgage in one closing.
Construction guide →FHA's one-time-close construction loan. Build it, live in it, low down payment. No re-qualifying at the end.
Construction guide →Zero-down construction for veterans. Build new, close once, finish with your permanent VA mortgage.
Construction guide →Zero down in USDA-eligible areas — and more of Michigan qualifies than you'd think. Build where the land is, close once.
Construction guide →Buy the house AND the renovation budget in one conventional loan. No construction-draw circus.
Get a quote →FHA's renovation loan. Buy a fixer and fund the rehab with one FHA loan. Limited and Standard versions available.
203(k) guide →Buy a distressed property AND the rehab budget through VA. Zero down, renovation capital, one closing.
Get a quote →Bridge loans, HELOCs and a guaranteed backup contract on your current home — the ways to buy the next house before you sell this one.
Move-up guide →Negotiate a temporary rate reduction into your offer. Lower payment for the first 1–3 years.
Get a quote →Lower rate, shorter term, or out of the loan you got in 2021. Reset to today's math.
Refi details →Pull equity out for home improvement, tuition, or debt consolidation. One loan, one payment.
Refi details →Interest Rate Reduction Refinance Loan — VA-to-VA streamline. Typically no appraisal, no income docs, same VA loan type. Faster and cheaper than a standard refi.
Get a quote →Refi a non-VA loan into a VA loan AND take cash out. Up to 100% LTV in many cases — a benefit most veterans don't know they can use.
VA refi details →A first-lien HELOC that works like a mortgage and a checking account in one. Your deposits sit against the balance until you spend them, which can lower the interest you pay if your cash flow supports it. It isn’t for everyone, so I run it side by side with a traditional loan before you decide. Available for primary, second, and investment properties.
HELOC details →Tap your equity without refinancing your first. Draw when you need it, pay only on what you use.
HELOC details →Fixed-rate second lien. Take a lump sum, keep your first mortgage rate. HELOC's more predictable cousin.
Home equity details →Age 62+? Convert part of your equity into monthly advances, a line of credit, or a lump sum, with no required monthly principal and interest payment while you live there. Taxes, insurance and upkeep stay yours. FHA-insured and non-recourse, and your heirs keep any remaining equity.
Get a quote →Age 62+ and ready to right-size? Use a reverse mortgage to buy the next home, combining your own down payment with HECM proceeds, with no required monthly principal and interest payment afterward. Taxes, insurance and upkeep stay yours.
Get a quote →Second home, rental, multi-unit. Non-owner-occupied financing for the long game.
Get a quote →Qualify on the property's rental income, not your W-2. Built for investors scaling a book.
DSCR details →Short-term capital for purchase + rehab + carry. Exit when you sell, not 30 years later.
Get a quote →Self-employed? Your tax returns understate your income. 12–24 months of deposits can tell the real story.
Bank statement details →Beyond DSCR and Bank Statement: P&L Only, 1099 Only, Asset Depletion, Foreign National, ITIN. If your tax returns don't tell the story, one of my wholesale lenders has a product that does.
Self-employed options →Every other calculator asks you for the home price. This one gives you one — from your income, your monthly debts and what you've saved — using your own township's real millage instead of a national average. No email, no credit pull.
Find my price range →Tell me about your situation — first-time buyer, refi-curious, self-employed, scaling a rental book — and I'll tell you which wholesale lender has the right product at the right rate.
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