You might be looking for a mortgage company in Zeeland, Michigan, to help you find the very best financing program available. If that’s the case, choosing Gem Home Loans will be one of the best decisions you’ve ever made. We will put our vast amount of knowledge to use to make sure whatever mortgage you choose will be the best fit for your financial situation – both now and for years to come.

You Have Options

Mortgage Company Zeeland, MichiganGem Home Loans can provide you with a wide range of lending products. We’re certain that we’ll be able to help you find one that will fit your specific needs. Since we’re mortgage brokers, we have close relationships with dozens of investors. We can shop these investors on your behalf, finding the best program at the best rate.

It can be confusing to try and determine which option is best for you. But at Gem Home Loans, our experts will spell out everything in easy-to-understand language. We’ll tell you what to expect through every phase of the application process. We’ll also tell you the best choices based on your income, debts, assets, credit score and more. We’ll tell you how much you’ll be able to comfortably borrow, and then help you with all paperwork and eligibility requirements.

These are just a few of the many different types of home loan programs we offer.

  • Fixed-rate loans – You might be better off with a 30-year fixed-rate loan. This will provide you a consistent interest rate, and the monthly mortgage payment will be manageable. Or, if you have the income, you might want to think about a 15-year fixed-rate loan. You’ll pay off the home in half the time, and you’ll save tens of thousands of dollars in interest. It will be imperative, however, that you can fit the monthly payment into your budget – it’s going to be much higher than if you had a 30-year loan.
  • Adjustable rate mortgage (ARM) – As the name implies, an ARM has an interest rate that fluctuates over the loan period. You might, for example, pay a fixed-rate for a few years, and then pay an adjustable rate for each year afterward. Some years your mortgage payment will be more, while other years it will be less.
  • VA home loans – Millions of people have turned to Veteran’s Administration loans over the past few decades – and with good reason. They don’t require a high credit score, and they usually don’t require a down payment. They also offer extremely low interest rates. The only problem is that it can be very difficult to qualify. Get in touch with a Gem Home Loans expert to learn more.
  • USDA home loans – You might not realize it, but the U.S. Department of Agriculture also has a home loan program. It’s geared more toward to rural borrowers with low-to-mid incomes. If you can qualify, you won’t need to put anything down, and you also don’t need a sparkling credit score.

Take the Next Step

The professionals with Gem Home Loans are ready to show you why we’re not like the average mortgage company in Zeeland, Michigan. Get in touch with us whenever you like for more information. You can use our online contact form, or you can give us a call at (248) 780-0601.