You could go with any mortgage company in Portage, Michigan, you want, of course. So, what makes Gem Home Loans so great? Why have so many people through the years put their faith in us? Probably the biggest reason is that we put our clients’ best interests over our profit margin. You’d be surprised how many mortgage company don’t do that. Instead of trying to find a loan program that fits best with their client’s specific financial situation, they’ll try to entice them into accepting the loan that will make the company the fattest commission check.

We Truly Care

Mortgage Company Portage, MichiganThat’s not our style at Gem Home Loans, and it never will be. We know how important a decision pursuing a home loan can be – it’s actually one of the most important decisions a person will ever make. That’s why we always take the time to make sure we only recommend programs that our clients can handle.

There’s no worse feeling than purchasing a home, only to find out a few months down the road that you can’t handle the interest portion of the mortgage payment. But we’ve seen this happen time after time, because the mortgage company allowed it to happen. When you work with us, you’ll always be in good hands. We won’t try to steer you toward a program that will lead to years of financial misery.

We want to put you in the strongest financial position possible. We’ll also make it our priority to make sure you’re comfortable throughout the entire process. Trying to get approved for a mortgage loan can be a really confusing experience. Some people find it intimidating, or even scary. At Gem Home Loans, we get it. We’ll always be here to answer whatever questions you may have, and to address any of your potential concerns. Unfortunately, some mortgage providers would rather do anything than keep the lines of communication open.

But as important as customer service may be, you don’t want to work with a mortgage company just because it has a team of friendly, helpful people. You want them to truly be experts in the Michigan housing market. That’s exactly what you’ll get when you turn to Gem Home Loans. We have a deep understanding of all available loan programs, and we also have relationships with dozens of investors. Our team can shop around for the best rates, so you don’t have to worry about the hassle.

How to Find a Great Rate

Everyone considering buying a home obviously wants to find the lowest possible interest rate. There are a lot of factors that will determine whether or not you’ll be able to get a rate you can afford. Keep these in mind.

  • The type of loan will have a lot to do with the rate you’ll be paying. If you can get approved for a loan backed by the federal government (like an FHA or VA loan), you’ll pay less than you would for a conventional loan.
  • If you have a high credit score, you’ll obviously get a better rate. But even if yours isn’t as high as you want it to be, we still might be able to help.
  • The larger the down payment, the lower the rate you’ll pay. However, there are programs that offer great rates without having to put a lot down.

Our mortgage company in Portage, Michigan would love to work with you. Call Gem Home Loans at (248) 780-1030 or use our online contact form to get in touch.