There are a lot of mortgage companies in Plymouth, Michigan that are affiliated with big banks, or with lenders that have offices across the country. Gem Home Loans is completely independent. We don’t charge extra fees, or create the complications often found with bigger mortgage providers. Instead of money being our top priority, we instead put clients first. We want all of our clients to be completely satisfied with the service they receive, and we have a long track record of success in doing just that.

Benefits of Working With an Independent Mortgage Company

Mortgage Companies Plymouth, MichiganThere are a lot of advantages that come with working with an independent mortgage broker such as Gem Home Loans. Here’s are just a few.

  • Plenty of options – We have relationships with dozens of lenders. As a result, we have access to many, many more mortgage options than you’ll find from larger companies. Our professionals take the time to get to know our clients, so that we have the best possible idea of not only their financial situation, but also the kind of home they’re looking for. We’ll do the vast majority of the work for you, taking the pressure off your shoulders and removing a lot of stress in the process.
  • You can close much faster – It’s incredibly exciting to finally find the perfect house after searching for weeks or months. When that happens, it’s totally understandable that people want to close on that house just as fast as they possibly can. We understand that excitement, and we do everything we can to make that happen. Most of the time, we’ll be able to get you to the closing stage a lot faster than huge lenders and banks.
  • Personal care – We can’t stress enough just how important it is to work with a mortgage company that has your best interests at heart. When you go with bigger lenders, they will typically view you as nothing but a number, one they need to meet a quota to push their profits that much higher. You’ll never have to deal with that when you choose Gem Home Loans. We will take the time to carefully explain all of your options, and make sure you are completely comfortable with the lending program you ultimately choose.

Home Loan FAQ

We are always happy to answer any questions our clients – our or prospective clients, for that matter – may have. Here’s just a small sample of some of the questions we typically field.

Do I Have to Get an Appraisal?

In many cases, the answer is, “yes,” but not all cases. Thanks to advances in technology, most lenders can simply enter the address of a home and get all the information needed. Property inspection waivers are also more common than they used to be.

Will I Need a Great Credit Score to Have a Chance of Being Approved?

That depends on what type of loan you’re seeking. There are some government loans, such as FHA and VA loans, that often don’t require high scores. In most cases, a borrower will need a score of at least 620 in order to obtain approval.

Do I Have to Sell My House in Order to Get a New Home Loan?

Not at all. But if you’re paying a mortgage, that could have a negative impact on your ratio of debt to income. That might make it harder to get a good interest rate, and it could mean you’ll have a higher down payment.

Contact a friendly expert with Gem Home Loans today to see what separates us from other mortgage companies in Plymouth Michigan. Use our online form or call (248) 780-1030 to get in touch.