Have you ever been disappointed with that Clawson mortgage company you worked with in the past? They might not have provided you with a lot of options, or they seemed to disappear when you needed to talk to someone. You might even have only received one offer from one bank, and felt you had to take it because you wouldn’t get a better one. That won’t be the case when you work with Gem Home Loans. We work with several different lenders, so we can shop around to help you find the very best rate. We’ll also go above and beyond to make sure you’re completely satisfied with your experience.

How We Do It

Clawson Mortgage CompanyGem Home Loans is staffed with a team of friendly, caring experts. We know how to treat people, and that’s why so many homebuyers turn to us on a regular basis. Compared to most other brokers, we offer many more options. Not only will we work hard to find you a great loan, we’ll also work to find the lowest rate we can. There’s a very good chance we’ll be able to find a rate that’s lower than you might have thought you could ever get.

But it’s the personal approach we take that really makes us stand out. We always keep the lines of communication open. Whether you’re a first-time homebuyer or a seasoned veteran, you’ll probably have a lot of questions. One of our team members will be there to answer them.

When you work with Gem Home Loans, we’ll treat you like a real person – not a dollar sign. You’d be surprised how many mortgage brokers don’t do this. They’ll try to steer a client toward a specific kind of loan because, quite simply, they’ll make a lot of money doing that. We can’t stand that approach, because it oftentimes results in borrowers getting in over their heads.

We’re going to ask a lot of questions – not because we’re nosy, but because we want the most accurate picture of your financial situation. That will be necessary because we want to recommend the loan options that will be best for your budget. We’ll be honest and transparent at all times – if we think a loan will be right for you, we’ll tell you. If we don’t, we’ll tell you that as well.

Tips on Finding the Best Mortgage Rate

No homebuyers want to deal with high mortgage rates, of course. But getting a low rate is, for a lot of people, easier said than done. These a couple of the ways you can get one.

  • Improve your credit score – Any lender is going to look closely at your credit score, of course. If it’s not where you want it to be, there are some ways you can raise it. Make sure you pay your bills on time, lower your debt-to-income ratio as much as you can, and check for inaccuracies on your credit report. Contact the credit bureaus immediately if you see them.
  • Lower your debt-to-income ratio – Lowering your debt load will help raise your credit score. Try to keep your credit card balances no higher than 30 percent of your limits.

Gem Home Loans professionals want to be the ones you think of first when you need a Clawson mortgage company. Get to know us by contacting us online or calling (248) 780-1030.