For your convenience, you can..
APPLY ONLINE, BY MAIL, OR OVER THE PHONE!
As part of the complimentary services I offer, you will receive:
*Financial Review From An Expert Financial Planner
*Your Home Value Check
*Credit Analysis
*Information on How to Repair Damaged Credit
*Referrals to Top Realtors for Home Buyers
Low Down and Zero Down Payment Loans
We offer a variety of mortgage loan programs loans products that have smaller down payments and reduced closing expenses. These mortgage programs are offered as both conventional and government insured loans.
Balloon Loans
Similar to the ARM, only the entire balance is due at the maturation of the balloon. The advantage is these are short or long term, partially amortized loans which are due in full at the end of their term. This may be the loan product for you if you know that you plan to move or refinance in the future.
Construction and Lot Loans
If you are planning on building a custom home, Executive Mortgage of Michigan has Construction Loans and Lot Loans to meet these needs.
Fixed Rate Mortgage Loans
With a fixed rate mortgage, your monthly principal and interest payments remain the same throughout the entire term of the loan. Available in 15, 20 and 30 year programs.
Adjustable Rate Loans
If you are the money conscious consumer, an ARM may be the solution for you. It's fixed for the initial term, then adjusts to prime plus margin on it's adjustment date. This is a great product for someone that doesn't expect to live in the home for a long period of time, moving in the near future or relocating, or putting a limited amount of money down.
FHA Mortgage
These loans are insured by the Federal Housing Administration. This loan provides the opportunity for the reduced down payment. The mortgage program has maximum mortgage amounts established by county and state. Gifted down payments are acceptable. This program is offered as 30 and 15 year fixed rate mortgage, as well as, an adjustable rate mortgage.
VA Mortgage
These loans are guaranteed by the veteran's administration. They are available to eligible veterans of the United States Armed Forces. There is a no down payment options available with this mortgage program. Expanded housing ratios are also available which generates into greater buying power.
Standard Loan Programs
First Time Homeowners can research the process by visiting our website here. Current loan holders can search FHA Options as well.
Kevin Lutz
Senior Mortgage Broker
"Your Key to Home Ownership"
EXECUTIVE MORTGAGE OF MICHIGAN
Kevin Lutz
Senior Mortgage Broker
EXECUTIVE MORTGAGE OF MICHIGAN
Toll Free Phone: 1-800-404-3462
* EXECUTIVE MORTGAGE OF MICHIGAN is a fully licenced Michigan mortgage broker and is Fannie Mae/Freddie Mac approved. Contact the Webmaster at patty@lutzmortgage.com with questions or comments about this web site. Copyright © 2004 EXECUTIVE MORTGAGE OF MICHIGAN. All Rights Reserved
<p>First-time Homeowners can research the <a href="http://www.fhamortgagecenter.com"> FHA Loan</a> process and current loan holders and search for <a href="http://www.fhamortgagecenter.com/fha_refinancing.html"> FHA Refinancing</a> at FHA Mortgage Center.com</p>
