When it comes to getting a 30 year mortgage in Rochester Hills, Michigan, no one makes the process easier than Gem Home Loans. We take pride in helping our clients find the customized financial solution that’s exactly right for their specific situation. You’ll never have to worry about us trying to fit you into some sort of preconceived box like some other lenders.

30 Year Mortgage Rochester Hills, MichiganWhen you deal with one of our experts, you’ll be dealing with that same person throughout – and that expert will have an intimate understanding of not only the Rochester Hills housing market, but also the market throughout the entire state.

Reasons to Partner With Gem Home Loans

It can be scary to buy a home. You get bombarded with a lot of terms you would never even think about, and you might run into a lender that tries to force you into accepting a certain type of loan. That person might have a specific quota to fill, or may be mandated into convincing you to go in a certain direction.

We don’t play those games at Gem Home Loans. We will focus on you rather than our bottom line. These are just a few of the reasons to turn to us.

  • Safety and security – We will earn your trust, because you will be our highest priority. Our experts truly care about working in our clients’ best interests at all time, because we want you to be completely happy and confident in your decision when it comes to the type of loan you receive.
  • Competitive – As a mortgage broker, we work with a wide range of investors. This allows us to not only provide you the best rates, but also the best programs available at the lowest cost.
  • Options – We offer several different lending options, so we’re sure we’ll be able to find one that meets your exact needs.

Basic Information on 30 Year Mortgages

This type of mortgage comes at a fixed rate, which, of course, means you pay a specific amount of interest over the life of the mortgage. It’s the most popular type of home mortgage – by far. Other mortgages have their advantages, but here are some of the most important you’ll experience if you select the 30 year option.

  • No surprises – Unlike an adjustable rate mortgage, a 30 year mortgage has an interest rate that will stay the same. As long as you keep the loan, your interest rate will never change. You won’t have to worry about being shocked when the time comes to make your payment.
  • Stability – This goes hand in hand with the “no surprises” benefit. When you have a fixed rate program, you get stability. There’s a very good chance your monthly payments will remain the same, month after month.
  • Lower payments – There are loans that have shorter repayment terms, of course, such as a 10- or 15-year mortgage. But with a 30 year mortgage, your monthly payments are much smaller. You spread payments out for a longer time period. If you don’t mind paying more in interest, a 30 year mortgage will very likely be a great choice.

Want to Learn More? Get in Touch

There are some people who will benefit greatly from a 30 year mortgage in Rochester Hills, Michigan. But there are others who will be better off with a different mortgage. Talk to an expert with Gem Home Loans and we’ll find the option that fits best with your needs. Call (248) 780-1030 or use our online form for more information.