Mortgage Broker in Clarkston, MI

Purchase loans support buyers who are ready to secure financing for their next home. Clients receive guidance on loan structures, qualification requirements, and payment expectations to help them make offers with clarity. This service is well-suited for both first-time and returning buyers entering the Clarkston market.

Refinance loans replace an existing mortgage with new terms that match current goals. Whether you want to adjust monthly payments, change the loan length, or explore options to leverage available equity, refinancing provides a structured path to update your mortgage as circumstances evolve.

First-time buyer options make the path into homeownership more accessible by supporting manageable down payment expectations and flexible qualification standards. Buyers receive guidance from pre-approval through closing, ensuring they understand each stage of the process as they navigate the Clarkston housing market for the first time.

Conventional loans offer flexible structures that adapt to strong financial profiles and varied property types. With options for different loan terms and down payment levels, conventional financing supports buyers who want competitive mortgage features tailored to their long-term plans.

FHA loans help buyers enter homeownership with lower down payment requirements and more accessible credit standards. This program is widely used by first-time buyers, but it also serves returning buyers who want financing that reflects their current financial outlook.

VA loans support eligible veterans, active-duty service members, and qualifying surviving spouses. These loans offer structured financing that recognizes military service and provide a smooth path into homeownership for those who meet eligibility requirements.

USDA loans apply to designated rural and semi-rural areas near Clarkston and may offer financing with low or no down payment depending on eligibility. This option is ideal for buyers who want to explore quieter areas without losing access to regional conveniences.

Jumbo loans support home purchases that exceed standard loan limits. Buyers receive guidance tailored to higher-value property requirements, helping them secure financing that matches the value and expectations of their chosen home.

Renovation and 203(k) loans help buyers and homeowners finance repairs or improvements as part of their mortgage. These loan types make it possible to update, restore, or customize a property while keeping financing organized under a single structure.

Construction loans offer financing for building a home from the ground up. Clients receive support in understanding term structures, draw schedules, and planning expectations as they work with builders to bring a new property to life.

Home equity financing options allow homeowners to access equity for major expenses, home improvements, or long-term planning. These loans provide flexibility while maintaining a structured repayment approach connected to homeownership.

Reverse mortgage options support qualified homeowners looking to access equity later in life while continuing to live in their homes. This service helps retirees consider long-term financial planning strategies that reflect personal goals and individual circumstances.

Non-QM loans and bank statement loan options provide pathways for buyers with nontraditional income documentation. These programs support business owners, independent contractors, and self-employed clients who need mortgage options built around their earning structure.

Financing options for second homes or investment properties support buyers looking to diversify, relocate seasonally, or participate in rental opportunities. Clients receive guidance to align investment expectations with loan qualification requirements.