Michigan mortgage broker

Fast, lower-rate Michigan mortgages built around your goals.

Chris Schults shops 50+ wholesale lenders to find you a better rate and a faster closing. One licensed loan officer from first call to keys in hand.

Check my rate & eligibility (60 secs)How it works

9%is the median down payment for first-time buyers. The 20% rule is a myth.National Association of Realtors, 2024 profile

$18,000is the average down payment assistance benefit. Most eligible buyers never claim it.Down Payment Resource, Q1 2026

$2,320/yris what 1 in 3 recent borrowers could save by refinancing at today's market.LendingTree analysis, April 2026

True-cost calculator

Know your real monthly payment.

Most calculators only show principal and interest. This one adds taxes, insurance, PMI, and HOA, so the number you plan around is the number you'll actually pay.

See your true monthly cost

Home price $300,000

Down payment 10%

Interest rate %
ask Chris for today's rates

Term

Property tax %/yr

Insurance $/yr

HOA $/mo

$0 /month

Estimated total monthly payment (PITI)

Principal & interest$0

Property taxes$0

Home insurance$0

PMI $0

HOA$0

Estimate for illustration only, based on the numbers you entered. Not a rate quote, loan estimate, or offer of credit. Your actual rate and payment depend on your application.

The math on waiting

Waiting has a price tag.

Nobody can time rates. What the numbers do show is what a year on the sidelines costs.

~$40,600is what one year of waiting costs on a $400,000 home. About $15,600 in price appreciation, plus a year of rent with nothing to show for it.Housing market analysis, 2026

+4.9%Michigan home prices rose last year, with 1.1 months of supply. Homes here sell in about 42 days at 99.75% of asking.Michigan market data, 2026

43×The median homeowner holds about $430,000 in net worth. The median renter holds $10,000. Since 2022, renter wealth shrank while homeowner wealth grew 8.5%.NAR analysis of federal data

Forecasters expect rates to hold between 6.0 and 6.5% through 2026. If they do fall, buyers come off the bench and prices move first. The buyers who win either way are the ones already pre-approved.

Check my rate & eligibility

Why an independent broker

One application. Fifty-plus lenders competing.

Shopping just 1–2 additional lenders saves the average homebuyer $6,000+ over five years (CFPB). A broker does the shopping for you.

	Independent broker	Traditional bank
Lenders compared	50+ wholesale lenders	Their own products only
Works for	You	The bank
Your point of contact	One person, start to close	Call center & rotating processors
Flexible-credit options	FHA, VA, USDA, Non-QM & more	Limited menu

Myth vs. reality

What most buyers get wrong.

Validated industry data, not sales talk.

Myth 1

"I need 20% down to buy a home."

The median first-time buyer puts down 9%. On top of that, 2,679 assistance programs exist nationwide and 73% of struggling buyers don't know they exist.

NAR 2024 profile; Down Payment Resource Q1 2026

Myth 2

"My credit score isn't high enough."

More than half of consumers overestimate what's required. FHA guidelines start at 580, and Non-QM programs cover self-employed borrowers.

Fannie Mae National Housing Survey

Myth 3

"Every lender quotes about the same rate."

Shopping one or two extra lenders saves the average buyer $6,000+ over five years. Chris shops 50+ wholesale lenders with one application.

CFPB research

What happens next

Four steps, fully transparent.

No process mystery, no surprise credit pulls.

Eligibility check
No credit check at all
60 seconds of questions. Your credit is untouched.
Rate customization
Chris shops 50+ lenders and builds options around your goals.
Formal pre-approval
A verified letter that makes sellers take your offer seriously.
Clear to close
One point of contact through underwriting to keys in hand.

Who you're working with