Finding the best mortgage rates, in Rochester and across Michigan, is an important financial decision. As one of the best mortgage companies in the region, Gem Home Loans can guide you through the options so you can be confident that you’re making the right choice.
At Gem Home Loans, headquartered in Rochester Hills, MI, we offer a variety of lending products and are confident that one will work for your home financing needs. We are mortgage brokers and partner with dozens of investors to find you the best rates, costs, and programs.
We want to get to know you so we can fully understand your family’s needs and find you the best mortgage for your new home, second home, or investment property. We are dedicated to providing you with the highest level of personalized attention and customer service throughout the home financing process.
Why Choose a Mortgage Broker like Gem Home Loans?
One of the biggest benefits of using a mortgage broker like Gem Home Loans is that we can often find lenders willing to accept borrowers with less-than-stellar credit, non-W2 income, and other unique financial situations. But there are benefits for all types of borrowers:
- We manage the entire rate-shopping and loan application process. This is probably the biggest benefit of hiring a mortgage broker. As a broker, mortgage financing is our specialty. Gem Home Loans can save you time and stress by negotiating on your behalf. We work with different types of lenders, including those who specialize in servicing people with adverse credit, and can leverage our relationships with mainstream banks.
- We offer access to hundreds of loan products. Gem Home Loans has access to a wide range of mortgage products from lenders such as banks, credit unions, and non-traditional lenders. We are not limited by geography and will tap local and statewide lenders. We also use local appraisers and underwriters, which means you will enjoy accelerated loan processing.
- We are more accessible than bank loan officers: Just like your real estate agent, we work for you and don’t get paid unless you close your loan. In general, this makes us more accessible than bank employees. We have decades of residential loan experience, so we know what to look for to ensure your process goes smoothly. The person you contact at Gem Home Loans will be the same person you work with throughout the completion of the home financing process.
- We are paid by the lender. At Gem Home Loans, we do not charge you for our services. Instead, we are compensated by the institution that is financing your mortgage. Due to stringent regulations, each lender pays us similarly, which means our goal the same as yours — to find the best solution possible!
Whether you are buying your first home, an investment property, or a second home in Rochester, Michigan, Gem Home Loans can provide you with diverse options with a wide range of terms and rates that can be customized to suit your budget. Get in touch with Gem Home Loans at (248)-318-2394 or contact us online to discuss your plans.