If you’ve ever worked with mortgage companies in Clawson, Michigan before, you might have been disappointed. That company might have made you feel like you were imposing on them when you asked questions. It might have tried to steer you toward a loan that wasn’t in your best interests. At Gem Home Loans we’ve seen the way some of those companies work. Quite simply put, we hate it. You’ll never have to deal with any of that foolishness when you work with us.

Why Gem?

Mortgage Companies Clawson, MichiganFirst of all, when you work with us, you’ll be working with a team of professionals who actually care about you – not your money. When we recommend a loan option for you, it will be because we truly believe it will be best for your financial situation – not just in the short term, but in the long term as well.

Another area in which we have an edge over our competitors is accessibility. There are some mortgage companies that will try to avoid you if you have questions, or you want to know about the status of your application. At Gem Home Loans, we won’t disappear when you need us the most. We’ll always be here for you, and we’ll be more than happy to answer any of your questions, and to also keep you fully informed through every step of the process.

Also, we’ll make sure to clearly explain why – or why not – we feel that a certain loan will work for you. Our professionals will be honest and upfront at all times, because we truly want you to be happy. Even more important, we want you to be confident and at ease with your final decision.

Getting the Lowest Rate

You obviously want to find the lowest mortgage rate possible. But how, exactly, do you go about doing that? Here are a few things that will determine what your rate will be.

  • Your down payment is going to have a major impact. If you’re one of the fortunate few who can put 20 percent down, then you’ll get an incredibly low rate.
  • As you’re probably already aware, your credit score will also impact your rate. The higher it is, the less you’ll pay in interest. This is one area where we might recommend that you work on increasing your score before you try to find a loan. After all, if your rate is ridiculously high, you might struggle just to make your mortgage payment each month. No one wants that to happen.
  • If you’re looking for a government loan, or if you can qualify for a VA loan, then your rate will probably be lower than if you get a conventional loan.

We hope you think of Gem Home Loans first whenever you think of mortgage companies in Clawson, Michigan. Contact us online or call 248-780-0601 to get in touch.