Since 1996 I have built my business based on trust and integrity. The knowledge and experience I have gained over those years proves to be my biggest asset.
I would love to help you with buying, refinancing or building a home. It has always been my goal to fully understand my individual client’s needs and tailor a program to fit it. Our company offers almost all loan types; Conventional, FHA, VA, USDA. Renovation, Construction, Down Payment Assistance, MSHDA, and Port Huron Urban Pioneer. From zero down options to renovation loans and everything in between, I’m confident I can offer help for your real estate financing needs.
I have been a lifelong resident of the greater Port Huron area. I am married, have 3 adult children & 1 still at home. My wife & I jokingly refer to our house as the Hulett Zoo, because we have 3 dogs & 2 cats!! In my spare time I love anything outdoors and especially mountain bike racing!
I have built my business based on trust and integrity
Everything went fast and pretty smooth. Everyone we worked with was friendly and helpful. Aaron had no issues with answering any of my questions no matter how silly they seemed to be. He was very good at making sure we understood things as they were happening and I didn’t have to contact him first to find out what was going on, he would always let me know what was going on or what was about to happen. If we ever buy another house in the further we will definitely be coming back to Aaron and his team.
Everything went fast and pretty smooth. Everyone we worked with was friendly and helpful. Aaron had no issues with answering any of my questions no matter how silly they seemed to be.
Castle Rock Colorado
When my client informed me they were having an issue with their current lender, I wanted to do two things: 1. Keep it local and 2., get it done! I got them in touch with Aaron. Understanding the situation, he got working on it right away, (on what I thought may be a tough assignment)…and made it happen. I know my client is thrilled with the work Aaron did, and of course, so am I. Highly recommend!
This was our third time working with Aaron and he did a wonderful job once again. That’s why we’ve returned to him for our mortgage needs. He’s friendly, hard working and honest. I always recommend him to my family & friends!
I’ve used Aaron for my personal mortgages and referred him several times over the past 10 years to family, coworkers and clients. He and his team make the process effortless. His service is exceptional. He is extremely knowledgeable and there are never any surprises! Good job Aaron!
Aaron was thorough and enthusiastic through the whole process with us, from pre-approval to closing. He was a great resource and answered all of our questions quickly and made sure we understood things. He also called with frequent updates about where we were in the process. He made everything easy to understand and pleasant.
Fort Gratiot, MI
Mortgage Programs Explained
There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.
A Conventional loan is a mortgage not guaranteed by the government. However, most conventional loans will follow the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FHLMC). This type of loan is good for borrowers with a favorable credit score and allows more flexibility in loan terms and higher loan limits.
Unlike FHA, VA or RD loans, conventional loans do not require private mortgage insurance (PMI) unless the borrower has less than 20% down. 20% down however, is not a requirement and some conventional loans allow as little as 3% down! Once the loan reaches 20% equity, PMI can be canceled.
In addition to standard conventional loan programs, MiMutual Mortgage also offers the following niche conventional loan programs:
- Fannie Mae HomeReady
- Freddie Mac Home Possible
- Freddie Mac HomeOne
- Freddie Mac Refi Possible
Government loans are backed by the federal government. The loan is funded or originated by the mortgage company, but has a guarantee from either the Federal Housing Administration (FHA), USDA Rural Development (RD), or US Dept of Veterans Affairs (VA).
Government loans open the door for borrowers that have little to no money saved for a down payment, a challenging credit history or have lower credit scores. Government loans offer easier qualifying requirements and are widely used in the industry.
Government-insured loans can be used for purchase, renovation (through the FHA 203(k) loan), or refinance transactions.
Government loan programs include:
- Federal Housing Administration (FHA)
- USDA Rural Development (RD)
- Veterans Affairs (VA)
The Federal Housing Finance Agency (FHFA) sets a limit on the dollar amount a conventional loan must conform to. Any loans beyond this limit are known as a Jumbo loan. With a Jumbo Loan from MiMutual, you can expand your options and find your dream home that will meet your needs now and in the future.
MiMutual Mortgage offers a number of Jumbo Mortgage Programs to fit a variety of situations. These include Purchase loans, Asset-Qualifier, Rate and Term and Cash-Out Refinance loans.
- As little as 10% down
- Loan amounts up to $4 Million
- Primary residence, second homes, and investment properties are eligible
Don’t have much saved for a down payment?
We can help with that!
Down Payment Assistance (DPA) can:
- Reduce out of packet cash to close
- Put cash savings to work by improving the home and growing equity
- Free up cash to pay down student loan debt or other bills
- Save cash to start investing for the future
MiMutual Mortgage offers a number of down payment assistance programs including:
- Chenoa Fund DPA for FHA financing
- The National DPA for Conventional financing
- State Housing Finance Authority DPA and MCC
MiMutual Mortgage is a Renovation Loan specialist. We were even featured on the Lifetime Network “Designing Spaces” home design television show! With a Renovation loan, you can bundle the cost of purchasing or refinancing with the cost of renovation into one single loan!
MiMutual Mortgage offers the FHA 203k and Conventional HomeStyle renovation loans. These allow for the same qualifying factors as a traditional FHA or Conventional loan with the ability to lend up to the estimated after-improved value of the home!
Eligible renovations include:
- Small repairs with a minimum renovation cost of $5,000
- Kitchen remodels including appliances
- New roof
- New flooring
- Installation of an in-ground pool
Still not finding what you are looking for?
MiMutual Mortgage has a number of unique loan programs including:
- Qualifying on assets without income
- Real Estate Investor programs including DSCR
- Self-Employed financing options
- Bank statement qualifying
MiMutual Mortgage President's Club
2017, 2018, 2019, 2020, 2021, and 2022
Honored to be listed as a President’s Club member since it began in 2017. Thank you to my loyal customers and referral partners.
You are about to begin the mortgage loan application
- Applying on the MiMutual Mortgage Online Loan Application is quick, easy, and secure! The loan application will take about 25 minutes to complete.
- Once your application is submitted, you can log back into the MiMutual Mortgage Online Loan Application to securely upload requested documents, view your loan status, and communicate with your mortgage team.
- If you have questions, reach out to your MiMutual Mortgage Loan Officer.
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