• Novi, MI Market Update – November 2016

    As a Novi mortgage lender at First Commerce Financial, Kirk Chivas and Kenneth Turkington strive to stay informed of local real estate news and market trends. This knowledge of the area helps them to better assist his clients with their mortgage and [...]

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    5 Mortgage Tips For The Near Future

    A recent article on BankRate listed 10 mortgage tips to consider as we enter the final months of 2016 and enter the new year. As Wixom mortgage professionals, the First Commerce Financial team want to help you gain as much knowledge about [...]

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    Wixom Market Update – September 2016

    As Wixom mortgage professionals, Kenneth Turkington and Kirk Chivas have been helping people in Michigan find the right mortgage for more than nine years as part of First Commerce Financial. Both have seen the ups and downs of the Wixom housing [...]

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    See if your excuse for not looking into refinancing your mortgage makes our list, and why you must look into your options to see how much you could save.  We have heard all of the excuses over our 20 years of originating Home Loans.  Here are [...]

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    Mortgage shopping?  Read on to understand the aspects about Fixed Rate Mortgages. Traditional fixed-rate home loans are fairly easy to understand; you obtain a fixed interest rate and payment for the entire term of the loan.  Fixed rate [...]

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    First Time Homebuyers – 6 Steps to Obtain Pre-Approval

    First time homebuyers are often nervous and overwhelmed by the home buying process. Learn the easy steps to getting a proper pre-approval letter for a mortgage to start the journey on the correct path. We get asked this all of the time – “Will[...]

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    8 Key Steps to The Mortgage Process in 2016

    What does the mortgage application process look like in 2016? The rules and procedures in place to qualify for a Mortgage change quite frequently, so it is important to be up to date on the process if you are considering purchasing a home or [...]

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    Help! Does it make sense to refinance? The fear of the Fed starting to raise mortgage rates is causing many folks to re-evaluate their current mortgage and living arrangements. Housing values have exploded in the last 2 years and that, and [...]

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    Buying a Home after Bankruptcy, Foreclosure, Short Sale

    Many Michigan residents find themselves looking to bounce back from a past bankruptcy, short sale, or foreclosure. If you find yourself looking to buy a home again, make sure you are aware of the mandatory waiting periods and associated guidelines.[...]

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    Learn the Do's and the Don't of getting a mortgage in Michigan to avoid the biggest challenges in home financing. It just isn’t getting easier to get a home loan in 2015. Lending is still tight as the Banks are extremely fearful of [...]

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