Not every mortgage company in Ferndale, Michigan is created equal. You might have experienced this for yourself. There are some independent companies, while there are others that are part of huge lending corporations, or big banks. The professionals with Gem Home Loans are incredibly proud to be independent. This gives us an incredible amount of flexibility when it comes to finding you the best rate, and it also allows us to concentrate on making the recommendation that will keep you and your family financially sound. We won’t try to talk you into a loan just to boost our profit margin.
If you haven’t worked with independent mortgage companies before, they basically act as a sort of middleman between banks and lenders and people trying to get approved for loans. A lender/big bank mortgage company, on the other hand, works directly with borrowers. This is a preferred option for a lot of people, since they figure it will be a lot easier to just go with the bank where they keep their money.
There’s a big issue with that, however. Even if you’re already a customer of the bank, you might still find it difficult to get a good loan. Either that, or your loan might be extremely complicated. If that’s the case, then there’s a chance your bank will simply turn you away. The reason is that you’re simply not worth the effort. If that sounds harsh, it is – but that’s just the way it works.
An independent mortgage broker such as Gem Home Loans works in a completely different manner. We work with dozens of lenders, not just one. As a result, we can shop around to help you find the very best rate. Even if you can’t get approved for a conventional loan program, we might be able to get you into a VA or FHA loan. We’ll welcome you, and we’ll be more than willing to put in the effort to help you find the best possible deal.
If you want a personalized approach to your loan, then you’ll definitely want to work with us. We take the time to carefully spell out all of your options, and we’ll always keep you posted throughout the entire process. Our team will look for the specific program that fits the best with your exact situation – we won’t try to steer you in a certain direction just because we’ll earn a huge commission.
That’s exactly what happens when someone goes to an impersonal bank or big lender. They limit your options because they want to make as much money as they possibly can. Many of them, unfortunately, couldn’t care less about their clients, but we do. That might sound cliché, but we truly work that way. We know this can be a stressful, frustrating – and even scary – experience for a lot of people. We’ll make it a lot easier than you might have ever thought imaginable.
Let the professionals with Gem Home Loans show you why so many people choose us as their mortgage company in Ferndale, Michigan. If you would like to get in touch, please contact us online or give us a call at (248) 780-1030.