Gem Home Loans is the mortgage company South Lyon, Michigan residents turn to on a regular basis. Why is this the case? One of the biggest reasons is that we care more about our clients than we do turning a huge profit. There are plenty of mortgage companies that take the opposite approach. They’ll try to convince a home buyer to accept a certain kind of loan, knowing full well it’s not in that person’s best interests. We’ve never worked that way, and we never will.

Why Turn to Gem Home Loans?

Mortgage Company South Lyon, MichiganWhen you work with us, it will be one of the best decisions you’ve ever made when it comes to your financial future. Gem Home Loans will never stick you with a loan program that you can’t handle, one with monthly payments so burdensome that you’ll be miserable for years. We will take a close look at your finances, and we’ll only recommend a loan that we know you can easily afford.

It’s surprising – and a little depressing, to be honest – that so many mortgage providers, such as big banks, treat their clients as stepping stones to a huge commission. If that means saddling them with a loan they can’t really afford, so be it. At Gem Home Loans, however, we’ll work closely with you, thoroughly explaining all of the pros and cons of all of the programs we offer.

Our professionals are passionate about putting our clients in positive positions. We’d rather make you comfortable than use you to boost our profit margin. While there are some mortgage companies that look at clients as an inconvenience, we actually love working with the people we serve. Gem Home Loans will help your financial situation stay strong for years to come.

It’s great to work with a mortgage company that’s helpful and empathetic. But you also want one that has a deep understanding of the housing market in not only South Lyon, but the rest of the state of Michigan as well. We will know exactly what programs will work best for your specific situation, and we’ll also be able to find you the best terms. The reason is that we work with a large number of investors, and we can shop around to find you the best deal possible.

Getting the Best Rate

We love helping our clients succeed – that means helping them find the most manageable loan at the lowest rate. There are a lot of factors that will go into helping you do just that. Here are just a few.

  • The kind of loan you’re pursuing will have a major impact. Loans backed by the VA, FHA or other governmental agencies usually come with much lower rates.
  • Of course, your credit score will also play a huge role. The higher the score, the more favorable your rate will be. The lowest rates are usually reserved for those with a score of 760 or higher.
  • The more you can afford to put down for your down payment, the lower your mortgage rate will be as well. You’ll enjoy an incredibly low rate if you have enough to put down more than 20 percent of the purchase price.

These just scratch the surface of why you should make Gem Home Loans your mortgage company in South Lyon, Michigan. Learn more by giving us a call at (248) 780-1030 or contacting us online.