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Home Loans and Mortgages for Residents

Welcome! to our Center for Michigan home loans, low mortgage rates and great service from Mortgage company - a name that you can TRUST to work in your best interest.
Whether you need to consolidate debt or make home improvements, these friendly mortgage professionals affiliated with Michigan Business Directory can help you tap the equity of your home so you can get cash, or refinance your existing mortgage at a low rate. 

Special programs are available for Michigan Homeowners. Just ask your Michigan mortgage professional!

Buying real estate right now isn't for sissies. Financing is a struggle, prices will almost surely keep dropping, and who knows what will happen to your job.

But if you have the money and can hang on to a home for five years or more, there's a huge inventory of properties priced at levels not seen since 2004.

If you expect to live in the house at least four or five years, a fixed-rate mortgage is probably your best bet. Rates are still low, so you can lock them in for the life of the loan. If rates drop, you can always refinance. If you only plan to stay in the house a few years or so, an adjustable-rate mortgage (ARM) can make more sense. You’ll probably save two or three percentage points off fixed-rate loan rates to begin with. The ARM rates are periodically adjusted. If you can find an ARM with an unusually low starting rate -- called a "teaser" rate by bankers -- you can enjoy low payments in the first year or two of the loan and then move before the rate has a chance to ratchet much higher. Make sure that the amount your ARM rate loan can rise after a certain period of time is limited.

  FREE Refinancing / Mortgage ANALYSIS

Get an Affordable New Home Loan in  Michigan

How It Works
The free service by Lower My Bills works by enabling consumers to enter particular information, which then is used to match them with the companies that will best meet their needs. offers savings across 20 categories, including home loans, home-equity loans, purchase loans, debt-consolidation loans, auto loans and more.

  • Debt Consolidation Loans in in Michigan
  • Second Mortgage Loans in Michigan
  • Refinance Loans in Michigan
  • Purchase Loans in Michigan
  • Cash Out Loans in Michigan
  • Home Equity Loans in Michigan
  • Home Improvement Loans in Michigan
  • First Mortgage Loans in Michigan
  • 80% 2nd Mortgage in Michigan
  • First Time Home Buyer Loans in Michigan
  • FHA Streamline Loans in Michigan
  • VA Streamline Loans in Michigan
  • No Equity Loans in Michigan
  • 125% 2nd Mortgage in Michigan
  • Jumbo Mortgage Loans in Michigan

Michigan Mortgage Facts & Tips:

What is a Shared Appreciation Mortgage (SAM) ?

A mortgage in which a borrower receives a below-market interest rate in return for which the lender (or another investor such as a family member or other partner) receives a portion of the future appreciation in the value of the property. May also apply to mortgage where the borrowers shares the monthly principal and interest payments with another party in exchange for part of the appreciation.

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