Get Pre-Approved

Mortgage Pre-Approval

A consultation with a good loan officer is well worth your time, perhaps a pre-approval is not what you need. Perhaps an evaluation of your options would suit you better, what are your options for cash investment? Should you put down enough to avoid Jumbo rates and underwriting hassle? Would the process be smoother with one lender than another? All questions good loan officers can handle. And quite frankly we only put the names and numbers of good ones on our site!

Maybe staying in your current home and refinancing is the way to go, it is easy to find out!

Mary C. LaCroix

Sr. Loan Officer

Phone:  248.498.2861

Cell:  248.877.8587

Fax:   248.498.2961

mlacroix@firstmichiganbank.com

At ChangingStreets.com we know It is in your best interest to get pre-qualified and for a home loan. You will then know for how much you qualify, and to determine how much home you can (or want to) afford.  This process will greatly assist you bidding and/or negotiations. 

Home loan approvals are determined by YOUR UNIQUE CIRCUMSTANCES (credit, income, job history, assets, etc), and there is no way you could know for sure what the outcome will be until you apply.  A prequalification can take a short amount of time with a good loan officer (15 MINUTES). 

A prequalification letter is issued based on the information you provide on your loan application and having a loan officer review this application along with your credit report.  It is assumed that the documents you eventually submit when you find a home you want will support what you said on your application (W2’s, paystubs, account statements, etc).  We do not need the actual documents in order to issue you a pre-approval letter.  If you are really serious about buying, start now and get the complete process going. 

• How the letter is written can also help you in negotiations – Ask us what this means.

Click here for info on ZERO and Low downpayment mortgages

You should never assume that you will or won’t qualify based on anything you’ve heard from your neighbor or anything I tell you. 

• Co-signers, gifts, improvements to your credit score, paying off debt, etc. etc, etc, could all be part of what could help you get approved now or in the future.

 Click Here For Tips on Raising Your Credit Score

• Losing your job, changing jobs to a “new” position, deciding to quit and become your own boss, taking on new credit just before you apply, not preparing far enough in advance of when you want to purchase to deal with unforeseen circumstances, etc. etc. etc. could all be part of what could keep you from getting approved.

Your Offer Is Taken More Seriously – Empower Yourself!

When you are shopping for a home, sellers and their realtors will take your offers more seriously (some realtors won’t even begin negotiations without a prequalification letter), and your offer will be considered stronger when you supply this documentation.  It could even make the difference in you winning in a bidding war!

Please email or call to start the pre-qualification process. As with all contact with ChangingStreets.com your information will be kept strictly confidential.  ChangingStreets.com is in no way compensated for your home loan. ChangingStreets.com is trying to make the mortgage process

  

Home Financing Programs and Invaluable Education Tools

To Help You Find the Perfect Loan!

 

Bank Underwritten Approvals

You will have a direct relationship with the decision-makers on your application.

We are not a mortgage broker, we are a lender.

Quick Approvals and Great Interest Rates for Conforming Loans (up to $417,000)

Major Wall Street Investors negotiated with daily for great rates.

Quick pre-qualification and personalized letters for your realtor.

No closing cost options available.

Loan Programs To Meet Your Needs

Purchase money with only 3.5% down payment.

Refinance programs to 105% of the value of your home.

Purchase of a home for a student or elderly parent with no interest rate hit.

Jumbo loans with great rates (5/1 and 7/1 Jumbo ARMs are currently in the 4%’s with no points).

Loans available in all 50 states! 

Please Email  MLacroix@FirstMichiganBank.com

and we will create  a link to your personalized web-portal containing over 20 educational videos (including the benefits of getting preapproved for a mortgage), a list of the documents you will need to get approved, a glossary of mortgage terms, a payment and budgeting calculator, a good faith estimate, secure pre-approvals and much more!