The Mortgage Team lives by a simple motto, “If there’s a will, there is a way!” This idea guides everything we do as a Michigan mortgage provider. Rather than saying no and turning homebuyers away, we go the extra mile and help them build a plan to get them to the closing table. If you’re a first-time homebuyer, we understand the process can be intimidating and we do everything to remove the barriers in your way. If this is your fifth home, we’ll make sure you have the right loan program to accomplish your goals.
At the end of the day, we’re problem solvers. Everything we do as a Michigan mortgage company is designed to get you into your dream home. From the first time you speak with one of our consultants to the minute you close on your home (and long after), we put you first. Unlike many other mortgage companies in Michigan, we don’t see you as a number. We see you as our neighbor and we take great pride in helping our communities accomplish their homeownership goals.
When it comes to the mortgage process at The Mortgage Team, we do everything we can to eliminate barriers between you and the closing table. Together, with the experience of one of our Mortgage Consultants, you can find the right financing to help you close on your dream home. Our process is designed to keep our team focused on you and your goals.
Step 1: Talk to our team
If you’re looking to purchase a home, the first step is to talk to our team. We’ll have a one-on-one conversation that results in a customized plan to get you to the closing table. We’ll review your finances and determine the best loan program to help you accomplish your goals.
Step 2: Apply for your mortgage
Once you understand your mortgage options, we’ll start working on your application. During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters.
Step 3: Close on your dream home
When your application is approved, we’ll schedule the closing and finalize a few last-minute details. This is the most exciting part of the process because after you sign your closing documents, we get to welcome you home!
Finding the right mortgage loan program can save you time and money. That’s why it’s so important we understand where you want to purchase, what your finances look like, and what your home goals are. Together, we’ll find the right solution to help you accomplish those goals.
FHA home loans are designed provide flexible guidelines for homebuyers. Removing barriers traditionally associated with mortgage programs, FHA loans offer lower down payment options and easier credit qualifications.
USDA home loans provide financing for those looking to purchase in rural settings. As a rural development program, USDA loans offer zero down payment mortgage solutions for qualifying borrowers and properties.
Created specifically for active military personnel, veterans, and U.S. Military families, VA home loans offer qualified borrowers a no down payment loan option with lower credit score qualifications.
Conventional home loans are great for those who have saved the traditional 20% for a down payment, though smaller down payment options exist for this home loan, as well.
What are the best mortgage loan programs for Adrian?
Mortgage loan options are about more than just location. Sure, location can play a part in what loans you’re eligible for, but, more than that, it’s your finances, the home you’re looking for, and your unique situation. That’s why we take the time to get to know homebuyers before making any recommendations about Michigan home loans.
Buying a home in Adrian starts by having a conversation with someone from our team. We highly recommend getting pre-qualified for you loan before you start house hunting. Taking this step will help you understand your real budget and narrow down your home search results.
How long does the Adrian home buying process take?
There’s a lot of stigma about how long the home buying process takes. In some cases, it might take months, but we can help you close on your home in two weeks, depending on the loan program. If you’re committed to communication and are responsible, then we can work together to move you through the process faster.
How much does it cost to purchase a home in Adrian?
The cost of a home comes down to several factors, but, ultimately, it’s about what you’re looking for in a future home. As a Michigan mortgage provider, we’re able to offer home loan programs designed specifically for your needs.
The amount you need for your down payment comes down the loan program you’re using to purchase your home. In most cases you’ll need 0-5% to purchase a home. Ultimately, your down payment amount is about your end goals, the type of home you want to purchase, and your current situation.
I want to purchase a home in Adrian, where should I start?
A short conversation with our team is the best place to start the process. We’ll help you build a custom plan that ends up at the closing table. Our team will help you build a real budget, get you pre-qualified for your loan, and help in any way we can during the house hunting process.
Can you help me purchase a home that isn’t in Adrian?
Absolutely! Since we’re licensed in Michigan and Ohio, we can help you purchase a new home anywhere in the state including Adrian, Toledo, Tecumseh, Lambertville, Hudson, Brooklyn, Dundee, and many more!