Mortgages Are Blooming

Post date: 4/1/23
Availability and special terms subject to change.


Are you ready to move up in your home or move out of that apartment? With the warmer weather, more houses are hitting the market!

Our mortgages are designed for every home buyer.

Owning a home is still one of the best investments, and finding your dream home is incredible. Whether you’re a first-time buyer or an experienced homeowner, we offer flexible mortgage options to meet your needs. Just give our mortgage specialist, Ed Ross, a call. He can prepare a term for your budget while explaining all your options.

Are you still renting?

Home ownership is almost always a better deal than renting. You can save with a lower monthly payment and benefit from a tax deduction on the interest you pay (please see your tax advisor). You’re also building equity and wealth. And it’s amazing to walk through the door knowing this place is yours!

Home prices have stabilized.

The market saw a massive jump over the past few years, with many homeowners paying inflated pricing values. The market has become more stabilized, and home values aren’t skyrocketing like a year ago. reports that existing-home sales prices continued their downward trend and are roughly 13% lower than their record high of $413,800 in June 2022. While housing shortages remain, this is good news for those looking to buy.

To help your search, we recommend getting established with a trusted realtor who knows the area and can assist with assessing market values. It’s also important to get preapproved before shopping. This ensures your offer is seriously considered by potential sellers.

Turn to us for the financing.

We’ll help you explore your financing options and determine your best route. Consider these four steps:

1)   Determine the features you want in a home and how these features fit into your budget. This is important. By fulling understanding the costs, you can secure a home you love but keep payments, taxes, insurance, and maintenance costs within reach. You can also narrow down your choices and be a more informed buyer!

2)   Get preapproved for the financing. Whether you’re a first-time buyer or an experienced homeowner, a formal preapproval is necessary before house hunting. It lets realtors and sellers know you’re a qualified buyer and a solid prospect.

3)   Once you find a home perfect for you, get ready to make an offer. To ensure the house price makes sense, we can help you compare home values in the area. This review enables you to make a more educated offer.

4)   After acceptance, we’ll finalize your repayment terms. We’ll look at the price of the home, your downpayment, how long you plan to stay in the house and other variables. We’ll also ensure the paperwork stays on track so you’re in your new home as quickly as possible.

Bottom line? We’ll make buying a home a comfortable experience and ensure you don’t pay more than you should.

Choose from flexible terms:

  • Terms of 10, 15, 20, and 30 years.
  • Local loan approval w/servicing for life.
  • Low or zero down payment options.

Construction loans are also available!

If you have land and want to plan and construct a new home, we can help. Consider the benefits of our construction loans:

  • Easy and simple application.
  • Local loan approval.
  • Flexible draw schedules.
  • Fast draw funding.

If you’re ready to buy or build a home this spring or summer, contact our mortgage specialist, Ed Ross, today.

E-Mail: | Office: 616.532.9067 ext. 405 | Cell: 616.340.3014 | NMLS # 116912