Best Mortgage Company Ann Arbor, Michigan

How do you know that you’re working with the best mortgage company in Ann Arbor, Michigan? At Gem Home Loans, we obviously believe we’re the best. Of course, we know you’re probably in the process of shopping around, but we don’t think you need to shop any longer. Unlike a lot of mortgage companies, we always place people ahead of profits. We only want what’s best for our clients – we care more about that than making a ton of money. While we want to make a profit like any business, we won’t do it at the expense of the people we help.

So, What Makes Gem Home Loans So Great?

Whenever you claim to be the best at anything, you better have the evidence to back that up. We think we have more than enough. One of the many reasons is simply how we treat people. Our professionals look at our clients as more than just dollar figures. You’ll never have to worry about us forcing a certain type of loan program on you just because it’ll make us a lot of money.

You’d be surprised how many big banks and other providers do exactly that. They don’t take the time to thoroughly spell out all of the pros and cons of specific loan programs, but we do. We’ve seen the way those other types of companies work, and we can’t stand it. In fact, our distaste for that method of doing business is one of the reasons we started Gem Home Loans.

We care more about what makes you comfortable than about your bank account. While some lenders make clients feel like they’re an imposition, we love working with people. Our professionals want to help keep your financial situation strong for the long term – not just make a quick buck.

But we’re more than empathetic and helpful – we’re extremely knowledgeable about the Michigan housing market. You’ll always be able to count on us to help you find the best possible loan for your exact financial needs, because we work with many, many investors – dozens of them, in fact. That makes it easy for us to shop around on your behalf to find the perfect loan program.

How to Get the Best Possible Mortgage Rate

There are, unfortunately, a lot of lenders that wouldn’t bother trying to show you how to get a good mortgage rate. Here are a few of the factors that will help determine how good of a rate you’ll be able to find.

• The amount you put down – If you can put more down on your new home, your mortgage rate will be a lot lower. For example, if you can come up with a down payment of more than 20 percent, you’ll get a fantastic rate.

• Your credit score – The better your score, the lower your interest rate will be in most cases. If you’re one of the fortunate few who have a score of 760 or higher, your rate will be extremely low. But even if you can’t get your score to that level, anything you can do to increase it will help.
  

• The type of loan – If you can qualify for a VA or other type of government loan, you’ll probably have a lower interest rate.
  

Even though we’re biased, we believe Gem Home Loans is the best mortgage company in Ann Arbor, Michigan. Contact us online or call (248) 780-1030 and you’ll see why.