Is a 30 year mortgage in Rochester, Michigan right for you? Let an expert with Gem Home Loans help you decide. We have a deep understanding of all the different options when it comes to mortgages, and we’ll make sure you have the best information possible so you can make the right choice. When you choose us, you’ll be working one-on-one with a friendly, seasoned professional who will always have your best interests in mind.

Why Choose Us?

30 Year Mortgage Rochester, MichiganGem Home Loans isn’t the typical lender. We don’t focus solely on terms, rates, liabilities and other cold, dry financial metrics. Our team members know how confusing it can be to purchase a home – whether it’s your first home or your fifth. We take the time to clearly explain all of your options, taking all of the fear, confusion and frustration out of the process.

Frequently Asked Questions

We get a lot of questions from people wondering if they should opt for a 30 year mortgage, or if they should consider another option. Here are just some of the more common questions we receive.

  • What are some of the benefits of a 30 year mortgage? – The best thing about this type of fixed-rate mortgage is that you will typically pay the lowest monthly mortgage possible. At the same time, you have the chance to pay the loan early and save a lot of interest. A fixed-rate mortgage provides stability and predictability, as well as affordability.
  • Are there are any drawbacks? – All mortgage programs have their pros and cons. When it comes to a 30 year mortgage, for example, you’ll be paying less each month than you would if you went with a 15 year mortgage. But you’ll be paying more in interest over the long term.
  • How can you help me choose the best option? – You will always be able to count on the professionals with Gem Home Loans to be honest when it comes to recommending a mortgage option. There are a lot of alternatives – some offer the same predictability of a 30 year mortgage, but are for shorter periods of time. We will lay out all the pros and cons and help make sure you are completely comfortable with your decision.

Different Types of Loans Available

There are a lot of different kinds of loans you can get with a 30 years mortgage. You can get a new home loan, for instance. Our website allows you to apply very easily and also check whether or not you’re eligible. If you’d rather get a home construction loan, we could help there as well. You’d be borrowing money to cover your building costs, and then we’ll convert that loan to a mortgage once construction is complete.

Another option is a land purchase. We may be able to loan you the money you need in order to buy the land on which you plan on building your dream home. If you already love the house you’re in, you can get a home improvement loans for any major renovations you’re planning.

Contact Gem Home Loans

Whether you’re interested in a 30 year mortgage in Rochester, Michigan or any other service we offer, a Gem Home Loan expert is ready to help. Contact us online or give us a call at (248) 780-1030.