Not all mortgage companies in Farmington Hills, Michigan are made alike, of course. A lot of them are affiliated with big banks or huge lenders, while others are independent. At Gem Home Loans, we’re very proud to be one of the latter. Because of this, we can find the best possible rates for our clients, and make it easier for them to get into a new home. You simply won’t find the one-on-one help from a huge bank or lender that we can provide.
Mortgage brokers at as a go-between, of sorts, between banks/lenders and borrowers. Big banks and lenders, on the other hand, work on a consumer-direct basis. Many borrowers prefer big banks and lenders because they can typically just go through the bank they already use. It’s a sort of “one-stop shop” situation.
The problem with this approach is that a lot of borrowers can have a hard time qualifying for a mortgage loan, or their loans may be more complex than most. Big banks and lenders don’t like to deal with either group – they’ll usually turn them away without much consideration.
That’s where a mortgage broker can really help. At Gem Home Loans, we have access to many more types of loan programs than the typical big bank or lender. For example, we can offer FHA and VA loans to people who might not qualify for a conventional loan. While a big bank would turn its back on you, we’ll welcome you, and work closely with you to find the best possible solution.
One of the best reasons to go with an independent company such as Gem Home Loans is the personal touch. We don’t view our clients as just numbers – we view them as real people with real goals and real dreams. When you work with us, we’ll keep you informed through each and every step of the qualification process. We’ll find a specific solution for every specific challenge you might face. We have a lot of lending partners, so we can provide you with a lot of options.
Our team of experts has a lot of experience in mortgage loans. Many of us have worked at big banks and large lenders, and we know how they work. We much prefer going the independent route instead of the impersonal route. Instead of only offering a limited amount of options, we prefer giving our clients as many options as possible, so they can find the best deal possible.
Often times, the big banks and lenders couldn’t care less about what their clients go through on a personal basis. We do care – we are very well aware of how frustrating, intimidating and downright scary the mortgage process will be. But we’ll be with you each and every step of the way, making sure you’re informed through every step. If, for some reason, we can’t find a program that works for you, we’ll show you what you need to do in order to eventually find success.
Get in touch with one of the mortgage companies Farmington Hills, Michigan residents trust the most. Contact Gem Home Loans online or give us a call whenever you can at (248) 780-1030.