As mortgage brokers in Rochester Hills, Michigan, Gem Home Loans is dedicated to providing you with the highest level of personalized attention and customer service throughout the home financing process. We would love to help you find a home mortgage that’s perfect for you!
Gem Home Loans is a client-focused lender that prefers working one-on-one with clients in building custom financial solutions. We have a dedicated team of experienced professionals who understand Michigan and the local housing market.
Our goal is to fully understand your family’s needs and find you the best available home loan for your new home, second home, or investment property. We are dedicated to providing you with the highest level of personalized attention and customer service throughout the home financing process.
Benefits of Using a Mortgage Broker like Gem Home Loans
One of the biggest benefits of using a mortgage broker like Gem Home Loans is that we can often find lenders willing to accept borrowers with less-than-stellar credit, non-W2 income, and other unique financial situations. But there are benefits for all types of borrowers:
- We manage the entire rate-shopping and loan application process for you. This is probably the biggest benefit of hiring a mortgage broker. Many potential borrowers get a single mortgage quote from a bank and accept it without shopping around. Even a small difference in mortgage interest rates can save you thousands of dollars over the loan term, so it’s well worth it to shop around. In the case of mortgage applications, they can be long and time-consuming. Gem Home Loans can do the legwork for you.
- We offer access to hundreds of loan products. Gem Home Loans offers a wide range of mortgage products from a number of different lenders, including banks, credit unions, and non-traditional lenders. We are not limited by geography and will tap local and statewide lenders.
- We are more accessible than bank loan officers: Just like your real estate agent, we work for you and don’t get paid unless you close your loan. In general, this makes us more accessible than bank employees. The person you contact at Gem Home Loans will be the same person you work with throughout the completion of the home financing process.
- We can often get lenders to waive some fees: Thanks to our lender relationships, mortgage brokers like Gem Home Loans can often get lenders to waive some of their fees, such as application, appraisal, and origination fees.
- We are paid by the lender. At Gem Home Loans, we do not charge you for our services. Instead, we are compensated by the institution that is financing your mortgage. Due to stringent regulations, each lender pays us similarly, which means our goal the same as yours — to find the best solution possible!
If you are buying or refinancing a home in Rochester Hills, Michigan, and are considering the services of mortgage brokers, get in touch with Gem Home Loans at (248)-318-2394 or contact us online to discuss your requirements with one of our experts.