As a Mortgage Loan Originator that specializes in many loan types to include Conventional, FHA, VA, & USDA my attention to detail and availability/responsiveness allows for a smooth loan application experience. I am here to serve you and to tailor a loan that meets your needs.
Contact me today to find out how I can help or apply now online.
I am here to serve you and to tailor a loan that meets your needs.
Christian was always ready to help. He truly cared about our needs and circumstances. We will definitely recommend him in the future! Thank you Christian!
The response time was fast! I felt like you and your team were actively working on my loan application and I received updates often. Thanks for all your help getting my loan done!
Great communication with everyone involved! Chris explained our options thoroughly and helped us to navigate the process. Painless process. We have already referred Chris to our friends.
Chris was amazing, he was very kind, knowledgeable, and efficient! I have never had such an enjoyable experience with any other mortgage person!! I would highly recommend him to all of my friends and family!
Chris is by FAR the BEST Mortgage Loan Officer I have ever worked with. I worked in the mortgage industry for years and can tell you, most do not take a personal interest in your situation. He makes a stressful situation easy to manage. Chris cares about you and your family’s needs and no matter where he is…on vacation, etc., if you have a question, he will get right back to you. I will not use any other MLO ever, nor should you!
Weeki Wachee, FL
Everything about the experience with Chris is always perfect. He is a great guy that truly cares about his customers and what he does!
Clinton Township, 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
- Instillation 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.
Top Customer Service 2021
Proud to be named the Top Loan Officer for Customer Service at MiMutual Mortgage for 2021. Rankings are determined by customer feedback surveys completed by borrowers and realtors.
Top 3 for Customer Service 2020
Proud to be named a Top 3 Loan Officer for Customer Service in 2020. Rankings for customer service are determined by borrower and realtor partner reviews. I am proud to provide world-class customer service to all of my clients.
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.
Your guided mortgage journey starts here!Start Application