Treadstone Mortgage

read moreMy name is Kevin Wildman and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Grand Rapids home loan. I am a Grand Rapids mortgage consultant, serving all of Grand Rapids, and the surrounding communities. Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

read moreBefore you start looking for a new home, you need to have an idea of how much you can afford to pay for a home. To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making. In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan. You will also need to have an idea of how much the taxes will be, as well as the insurance and PMI costs.

read moreIt was a true pleasure to assist you. Our business is built on the referrals we receive from satisfied clients. Please take a few minutes to fill out the form below and leave us your feedback. It only takes a few quick and easy steps and will allow my future clients to know the level of service we strive to provide. Thanks in advance and please let me know if we can be of service to any of your friends or family. You can be sure that you will receive the same great service and advice we provided you.

read moreAre you interested in the FHA loan? Since the 1930s, the U.S. government has installed programs that help homeowners borrow money to buy a house. Not everyone is eligible for an FHA loan. You must meet certain criteria outlined by the Federal Housing Administration in order to be eligible for a loan. The FHA Streamline refinance was retooled in 2011 to help those already in an FHA mortgage take advantage of lower interest rates. Instead of getting your home appraised, you can refinance based on the original purchase price of the home and not its current value.

read moreThe USDA loan is part of a federal program that supports rural development. If you're buying a home in a rural area, make sure to check with me to determine if you're eligible for a USDA loan. The USDA loan requires ZERO down payments - which is almost unheard of these days. Other benefits to the USDA loan includes a 30-year fixed interest rate - meaning the rate will not adjust over its lifespan. Also, no mortgage insurance is required on a USDA loan. If you're eligible for a USDA loan, this is a great route to financing.

read morePart of the mortgage process includes verifying income. You must be able to show that you can afford the home loan payments, regardless of the type of home loan program. If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income. If you can prove steady, reliable income - go ahead and apply to pre-qualify for a loan! You can switch mortgage lenders at any time - even if you've been with your current company for years or if you're in the midst of refinancing.

read moreThis brochure has been developed by the U.S. Department of Transportation (USDOT), Federal Motor Carrier Safety Administration (FMCSA) to assist you in a successful move across state lines. While most household moves go smoothly, FMCSA is concerned about consumers who experience difficulties in resolving disputes with household goods carriers (movers) or worse, are defrauded by dishonest movers. We want you to be informed and aware of your options when choosing a reputable mover. FMCSA regulates interstate household goods movers and requires them to register with the agency.

read moreLake State Mortgage in Grand Rapids helps homeowners secure FHA loans. FHA loans allow you to purchase a home with a 3.5% down payment, or refinance a home up to 96.5% of the home's value. FHA loans are easier to qualify for, and offer several homeowners an easy way to secure financing. If you have an FHA loan that originated before June 2009, you may qualify for a streamline FHA refinance. This means that you can refinance your current FHA loan with a very simple process. Unlike the standard refi or loan application process, the Streamline FHA makes it easier.