Eight loan programs, one conversation. Compare first-time buyer options, FHA, conventional, VA, medical professional, a credit union exclusive ARM, rate buydowns and refinancing.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
Eight loan programs, one conversation. Compare first-time buyer options, FHA, conventional, VA, medical professional, a credit union exclusive ARM, rate buydowns and refinancing.
Loan programs
Every program below is a conversation, not a category. Open the one that sounds like your situation — or scroll to the 60-second matcher and let the answers point.
Two sliders, one honest ballpark. Uses a 36% debt-to-income guideline, a 6.5% illustrative rate, and assumes about 22% of your housing budget goes to taxes, insurance and MI. A planning range — not a pre-approval.
We make and owe /mo. What can we shop for?
A comfortable target is around
with roughly /mo for total housing (assuming ~5% down). Illustrative only — program choice, score and location all move this.
Different loans, same rhythm.
Send it. Worst case, you get a straight answer and keep renting on purpose.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
Explore
Programs
Talk to us
Frank ·
Andy ·
Book a 15-min intro call →
Replies 9am–6pm Eastern Standard Time, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.