Get a great mortgage rate in Michigan.
Access 50+ wholesale lenders for better rates and faster closings, with one licensed loan officer from first call to keys.
Prefer to talk? 734-355-4732 ·Email Chris · Free · No credit check
A mortgage built around your goals, not a bank's menu.
Banks can only sell their own products. As an independent broker with Edge Home Finance, Chris compares 50+ wholesale lenders with one application, then walks you through the options in plain English. Press play and let him introduce the site himself.
Meet Chris
▶ Welcome tour (54s)Everything on this site, at a glance.
Each section gets you one step closer to keys in hand.
Meet Chris
A licensed Michigan loan officer who answers his own phone, backed by Edge Home Finance.
Learn more →🏠Purchase
First home to jumbo. Chris shops 50+ wholesale lenders to find the loan that fits.
Learn more →↺Refinance
Lower the payment, shorten the term, or put your equity to work. See your savings.
Learn more →📖Knowledge Base
Straight answers to the questions buyers actually search for, backed by data.
Learn more →📍Service Areas
Local market guides for Detroit, Lansing, Grand Rapids, and communities across Michigan.
Learn more →🤝Partners
Realtors, advisors, builders, insurance agents, and attorneys: grow with us.
Learn more →Know your real monthly payment.
Most calculators stop at principal and interest. This one adds taxes by Michigan county, insurance, PMI, and HOA, so the number you plan around is the number you'll pay.
See your true monthly cost
Estimated total monthly payment (PITI)
Estimate for illustration only, based on the numbers you entered. Not a rate quote, loan estimate, or offer of credit. County tax rates are owner-occupied medians; in Michigan, a purchase can reset the taxable assessment, so a new buyer's bill often runs higher. Your actual rate and payment depend on your application.
Lock this estimate
Chris will review your numbers and confirm what's realistic, usually same-day.
Why work with Chris?
Licensed & certified
NMLS #2838383, backed by Edge Home Finance, company NMLS #891464.
50+ lenders compared
One application, dozens of wholesale lenders competing for your loan.
One point of contact
Chris answers his own phone, from first question to clear-to-close.
Transparent pricing
The honest math up front, including the costs other quotes leave out.
The Edge Home Finance track record.
Chris brokers through Edge, one of the most decorated wholesale shops in the country.
Serving Michigan, city by city.
Local market guides with real numbers: home prices, taxes, schools, and the assistance programs each city offers.
From the Knowledge Base.
The questions Michigan buyers actually ask, answered with sourced data.
- Jul 2026
Can you get a mortgage with a 580 credit score?
Yes, through FHA, and the mortgage insurance costs the same as it would with a 780. What matters is which lender you ask.
- Jul 2026
How much do you actually need to put down on a house in Michigan?
Most people think 20%. The median first-time buyer puts down 10%, and some programs start at zero. Here's the real math on a Michigan home.
- Jul 2026
Michigan down payment assistance in 2026, explained
The state will lend you $10,000 at zero interest for a down payment, and Detroit grants up to $25,000. Here's what's open, what's gone, and how to qualify.
- Jul 2026
Should you wait for mortgage rates to drop?
Forecasters have underestimated rates three years running, and the Fed cutting doesn't mean mortgages get cheaper. The honest math on waiting.
60 seconds tells you where you stand.
Free · No credit check · No obligation