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. 3% down for first-time buyers, PMI that cancels at 20% equity, 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.
Self-employed details →Built for doctors, dentists, and residents. 0% down, no PMI, higher loan limits — and we can qualify you on your signed contract income, even before you start.
Get a quote →FHA, DPA programs, conventional 3%, VA 0% — the full menu for buyers with one shot to get it right.
First-buyer guide →Conventional 3%, FHA 3.5%, VA 0%, USDA 0%. Pick your path.
Get a quote →Grants, soft-second loans, and lender-paid DPA programs to stretch what you keep in savings. Works with qualifying FHA and conventional loans.
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.
Get a quote →Buy a distressed property AND the rehab budget through VA. Zero down, renovation capital, one closing.
Get a quote →Close on the next house before you sell the current one. Short-term, sensible, saves the deal.
Get a quote →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 functions like a mortgage and a checking account. Payroll deposits sweep against principal nightly — most borrowers pay off a 30-year mortgage in 9–10 years and save six figures in interest. 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 equity into monthly income, a line of credit, or a lump sum without selling or making payments. FHA-insured, heirs keep any remaining value. Most flexible reverse product available.
Get a quote →Age 62+ and want to right-size into a new home? Use a reverse mortgage to buy with no monthly payment. Combine your downpayment with HECM proceeds — keep more cash for retirement.
Get a quote →Already have a reverse mortgage? If your home value has risen since you closed (Michigan values are up 30%+ since 2020), refinancing your HECM can unlock more available equity, improve your payment plan, or remove a non-borrowing spouse from a bind. Run the numbers — sometimes it's a meaningful win.
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 lie about your income. 12–24 months of deposits tell the truth.
Get a quote →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.
Get a quote →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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