When you’re looking for a mortgage company in Grand Haven, Michigan, you want one that will place your best interests over its own profits. That’s what you’ll get from Gem Home Loans – and not many mortgage companies can make that statement. There are far too many of them that will try to guide clients toward a certain type of loan – not because it’s best for the client, but because it will make the money a fat commission. Gem Home Loans has never worked that way, and we never will.

Why Turn to Gem?

Mortgage Company Grand Haven, MichiganThe professionals with Gem Home Loans have decades of experience helping clients find the loans that are best for their specific financial situation. Sure, we like to make money. We want to turn a profit just like any other business. But we won’t sell our souls to do so. That might seem a little dramatic, but the fact is that a lot of mortgage companies view their clients as nothing more than dollar signs, stepping stones to reach a sales quota. They couldn’t care less that a certain type of loan will be too much for a client to handle.

We despise that way of doing business. In fact, that’s one of the reasons Gem Home Loans started. We’re not the typical mortgage company. Our experts actually take the time to make sure we clearly spell out all of a client’s options. We break down all of the advantages and disadvantages of certain loan programs, because we want the people we serve to be completely at ease with their final decision.

Can you truthfully say that’s the way you felt after you dealt with your last lender? Can you say you truly felt valued, and not an imposition? It’s amazing how many mortgage companies look at clients in that exact manner. But that won’t be a concern when you work with us. We want to make sure you’re making the very best choice for your financial situation, both now and in the future. We’re not just looking to turn a fast buck.

While we’re obviously proud of the way we treat people, we’re just as proud of our expertise. Every one of our professionals has a deep understanding of the Michigan housing market. We also work with dozens of investors, so we can find you the very best loan at the very best terms. Our network is wide, and our connections are deep. When you work with us, you can rest assured you’ll be getting the best deal.

How to Find the Lowest Rate Possible

Every homeowner wants to find a fantastic interest rate. Here are a few of the factors that will help go into determining just how low a rate you can get.

  • Your credit score – If you have a score of 760 or higher, congratulations. You’ll have absolutely no problem getting an incredibly low rate. For the 90-something percent of people who don’t have a score nearly that high, finding a good rate can be more of a challenge. But that doesn’t mean you can’t find a good rate even if your score isn’t where you like.
  • Your down payment – The more you can put down, the lower your rate will be, of course. If you can manage to put down 20 percent, then you’ll get a really low rate.
  • Your choice of loan – There are a lot of government loans that don’t require huge down payments or sterling credit scores.

Talk to an expert with Gem Home Loans for more information on why we’re a different mortgage company in Grand Haven, Michigan. Call (248) 780-1030 or contact us online.