Why do Loan Officers NOT return your phone calls?
Now that we are officially in a purchase market (meaning more mortgage applications are for purchases than refinances) here in Michigan, one would think that picking up your phone every time or returning a phone call ASAP is at the top of the list for a loan Officer. They are paid on commission or with a bonus structure, right?Read More
Where are all the homes for sale in Metro Detroit?
Look around your subdivision – Are there a lot of homes for sale? I have 53 homes in our phase of our subdivision (South Lyon, MI).
We have only one home listed for sale currently, and before it was on the market, 6 months went by with ZERO homes on the market.Read More
How Do I Buy a New Home and Sell My Current One at the Same Time?
Low interest rates and an all-time high in the Home Affordability Index in Metro Detroit are driving folks to purchase homes at the greatest levels we have seen in years.
Most of our Michigan customers already own a home and are looking for a “move up” property. Read how you can buy that new home while your current one is still for sale.
Why meet face-to-face with your mortgage lender?
TIf you can scan and email all your important financial documents, why on earth would you want to meet face to face with your mortgage lender?
Watch the video to know the benefits of sitting down with your lender.Watch Now
First Time Homebuyer Pitfalls to Avoid
Buying a home is often the biggest financial decision you will make in your life. With the new territory comes a lot of different ways you can hurt your chances of becoming a homeowner.
Find out the most common problems first time homebuyers run into when getting a mortgage for their first home and our insider tips for success in our latest infographic.
HARP 3.0 News
Michigan Mortgage Brokers: Your Better Alternative to Big Banks & LendersWhether you are a first time homebuyer, moving into a new home, or looking to refinance your existing home, we at First commerce Financial, LLC are here to assist you every step of the way. Working with a licensed Michigan Mortgage Broker with expert local knowledge ensures that you are getting the best mortgage rates in Michigan available with the right loan program that best fits your home loan needs.
Our mission is to provide you with sound mortgage advice and educate you on all the options available to make better mortgage financing decisions. We will take the time to hear out your specific financial situation and work with you to accomplish your financial goals.
Current Mortgage Rates in Michigan are at historic lows which means you must look into refinancing your home. There are numerous loan programs out there to help borrowers take advantage of low mortgage rates, even if you are underwater on your current home. It only takes a few minutes to see if you would qualify for a conventional, HARP 2.0, or FHA Streamline Refinance and get an idea of just how much money could be saved.
If you are a looking to buy your first home or move from your existing home, we can assist you in making educated decisions on your mortgage needs. Pre-Approval letters can be provided to you quick and easy using current low mortgage rates to determine just how much you home you can afford in Michigan.
We have a large network of Real Estate Agents and other industry professionals that can assist you in buying the perfect home. Our Realtor partners have great local knowledge and, like us, have many years of experience working in Michigan.
Call us any time to discuss your situation and the options you have available to you, or get a free personalized rate quote online to get started!
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