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Home Equity Opportunities

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Welcome to Gem Home Loans!

If you are buying, refinancing, building or renovating a home, our experience and attention to detail will allow us to consult with you on the mortgage solution best suited to your needs.

Southwest Michigan Mortgage

Home Loans Are Our Expertise -- Our Focus Is You.

Considering a refinance, to pay down high-interest debt, lower your interest rate and payment, or pay off your mortgage sooner?

We can walk through options together and achieve the goals you are looking to achieve. Contact us and we will help direct you to the best options available and answer questions to make your dreams a reality. As you are considering a very important financial decision – work with the professionals at Gem Home Loans to make sure you are given sound advice to follow along your best path to home ownership.

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Fast & Easy Application Process


Apply For Loan

  • Credit Reports
  • Loan Consultation
  • Select a loan program


Processing & Underwriting

  • Paperwork
  • Appraisal (if needed)
  • Title work


Approval and Closing

  • Final Review
  • Notary signing and Recording
  • Loan Funded

Find Loan Products We Offer

We will match your homebuying plans with a loan program that best suits your financial need.

30 Year Fixed Rate Mortgage

A loan used for purchasing or refinancing a home with an interest rate that never changes and a repayment term of thirty years.

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15 Year Fixed Rate Mortgage

A shorter loan used for purchasing or refinancing a home with an interest rate that never changes and a repayment term of fifteen years.

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Adjustable Rate Mortgage

An adjustable-rate mortgage is a home loan with an interest rate that can change periodically during life of the loan.

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Conventional Conforming Home Loans

A conforming loan meets specific guidelines set by two government-sponsored institutions, Fannie Mae and Freddie Mac.

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FHA Home Loans

FHA loans are great for first-time home buyers, especially those without the funds for a large down payment on a house.

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VA Home Loan Mortgage

VA mortgage loan is insured by the Veterans Administration, only available to Veterans or eligible dependents of Veterans.

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USDA Home Loans

A USDA or Rural Development home loan is a zero down payment mortgage for eligible rural and suburban homebuyers.

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Construction / Renovation Home Loans

Looking to renovate your current home or build a new dream home from scratch? This is the loan program for you.

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Non-Qualified Mortgage

There are dozens of types of Non-QM loans and in general they are used to fill in qualifying gaps that are left in traditional lending programs.

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Why People Choose Us

Even though many focus on numbers, rates, terms, and liabilities, we focus on you.  This is the major difference at Gem Home Loans. We know this process can be confusing, time-consuming, and frustrating.  Reducing fear and clearly explaining your options is why so many people in Michigan are putting their trust in us.

Knowledgeable Experts

Our team takes pride in their efficient, timely, and courteous service. We deliver a higher standard of professionalism.

About Us

Customer Success Stories

With a positive attitude and a “Make It Happen!” philosophy, we focus on getting you the very best results possible.

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Customized Loans

Advanced financial technology tools that are exceptionally user-friendly, developed with today’s unique financing needs in mind.

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Some of our Awesome Testimonials

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Looking to buy, refinance, or renovate a home?

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We are available to help answer any homebuying questions.

Talk to Advisor

Need loan advice? Talk to one of our Loan Specialists.

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