Buy a Home with Confidence

why our
Clients love us

Battle Creek, MI

Kayla D.

Doug was amazing to work with on the purchase of my first home. No matter the day or the time I could always contact Doug. Open communication and the knowledge he possesses made my experience very smooth. I recommend Doug for all of your lending needs.

Portage, MI

jamez

Greatest experience I could ask for. One lender denied me 2 weeks before closing. Doug and his team came to my rescue and made it so simple to complete. Very flexible with work schedules and always a fast response. I look forward to working with him again and definitely recommend.

Nashville, MI

Matthew P.

Doug was kind and professional to work with. He was very helpful during the entire process. If he didn't have the answer, Doug was sure to get the answer quickly. It was a pleasure working with Doug on getting my new house. I would gladly work with Doug again.

Muskegon, MI

leelee96667

I have to give the highest compliment and recommendation to my lender Doug. I recently purchased my new home. Doug had great knowledge, patience and professionalism through this process with me, and I wasn't the easiest person to deal with. Purchasing a home is very stressful and he was there every step of the way.

Ovid, MI

Stewart L.

Doug was great to work with. He was very prompt with communications and was very open to answering questions. He turned requests around very quickly. Even my realtor was impressed and said this was the best remote lender that she had ever worked with. I highly recommend.

Stevensville, MI

David

VA loans can be tedious. Doug did an outstanding job communicating everything and keeping me updated as the process continued. The online portal was also an excellent addition, very helpful.

Grand Rapids, MI

Ngrace

Doug was incredibly helpful and knowledgeable. He was able to get us a pre approval letter same day, within minutes so we could offer on a house. He made the underwriting process understandable and smooth. Stress free experience. 10/10.

Smithfield, NC

Eric

When I began my journey to buy a home in Smithfield, I was filled with anxiety regarding my chances for a loan required for this area. From our first conversation, Kevin set a high standard. He was more than a lender. He was a trusted advisor, providing clear and timely communication. Kevin and his team were patient, supportive, and made me feel like family, easing the stress of such an important purchase.

Raleigh, NC

Susan C.

This will be my mortgage group from now on. I will not go anywhere else and highly recommend using them for your purchase. Timely communication throughout the process whenever we had questions, concerns, or just needed a little hand holding. They did whatever was needed.

Alexei K.

Durham, NC

Absolutely top notch. I just closed on a house yesterday with them and they were extremely helpful through the entire process. As a first time buyer I had questions and they were so patient with me through the process. They were really fast compared to other offerings and gave us a great rate.

Apex, NC

Kristina S.

Kevin and his team are great at what they do and fun to work with too. They got us a great rate, took care of everything and made the process of getting a loan for our home purchase so easy.

frequently asked questions

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Does my loan program type impact the type of house I can get?

Yes. Your loan program type can impact what kind of house you can get, because certain programs have property requirements. For example, FHA loans often require homes to meet minimum safety standards, while VA loans may have specific appraisal rules. Your loan officer can guide you on which types of homes fit your program.

How do closing costs affect my purchase?

Closing costs affect your purchase because they are fees you pay for services such as the appraisal, title search, and lender processing. They usually range from 2% to 5% of the purchase price. Planning for these costs helps you avoid surprises when it’s time to close.

How does the purchase process work?

The purchase process starts with a pre-approval so you know how much you can borrow. After you find a home, you make an offer and apply for the mortgage. Then the lender reviews your finances, orders an appraisal, and works with you through closing.

Can I use gift funds for my down payment?

Yes. Many loan programs allow you to use gift funds from a family member to cover part or all of your down payment. Your lender may require a signed gift letter confirming the money is not a loan. This can make buying a home more affordable for first-time buyers.

Can I buy a home with no down payment?

Yes, eligible veterans, active-duty service members, and surviving spouses can use VA loans with 0% down. USDA loans offer 0% down for eligible rural and suburban properties with income limits. Some down payment assistance programs combined with FHA can also bring out-of-pocket costs near zero.

Do I need to have a home inspection if I get an appraisal?

Even if you get an appraisal, you may still want a home inspection. An appraisal estimates the home’s value for the lender, while an inspection evaluates the home’s condition for your benefit. Both are important: the inspection helps you understand repairs or issues before you buy, and the appraisal helps secure the loan.

Do I need to put 20% down to avoid PMI?

On a Conventional loan, yes — PMI is required below 20% equity but cancels at 78% LTV automatically. FHA loans require MIP for the life of most loans regardless of equity. VA and USDA loans do not require monthly mortgage insurance. Lender-paid MI options can also eliminate the monthly PMI line item with a slightly higher rate.

What is earnest money and how does it work?

Earnest money is a deposit you make when you submit an offer on a home to show the seller you are serious. It is usually applied to your closing costs or down payment at closing. If the deal falls through for a valid reason, you may be able to get the earnest money back.

How much money do I need for a down payment?

Down payment requirements vary. Depending on the program, you may be able to put as little as 3% down, while other programs may require more based on your credit and financial situation. In general, the larger your down payment, the smaller your loan balance and monthly payment.

What is the difference between fixed-rate and adjustable-rate mortgages?

Fixed-rate mortgages keep the same interest rate and payment for the entire loan term, typically 15 or 30 years. Adjustable-rate mortgages (ARMs) start with a lower fixed rate for an introductory period (5, 7, or 10 years), then adjust annually based on a market index plus a margin. ARMs work for borrowers planning to move or refinance before the adjustment period.