With over 25 years of mortgage experience, beginning in 1989 with his days in the collection department of a small community bank in Lansing, then on through servicing, processing, underwriting, wholesale, retail and multiple markets; Rod has touched most aspects of the mortgage industry throughout his career. It is these many facets to give him the well-rounded understanding of how best to serve his clients today and to provide the best available mortgage products, price and service!
Born and raised in Michigan. Growing up in the Lansing Area, 10 years around Metro Detroit (where he met his wife, Julie) and spending the past 15 years raising his own 3 children (Travis, Ryan and Carlene) in Grand Rapids. Rod enjoys the outdoors, whether he is fishing, hunting, golfing, camping.
Rod simply stated is a gift to anyone who is fortunate to get his services. Rod makes sure you get the best deal… that fits your needs and not just a deal! Rod makes sure you are informed and educated throughout the process. The best part of all, he takes the time to tailor your loan to your goals with several options. I’m not sure if his processing team is the same for every loan but they were fantastic as well! Working with Rod I felt that small town neighbor vibe , with Big time results!
Farmington Hills, MI
Rod was referred to us, and it was an absolute blessing that he was. We had been working with another company that was not nearly as responsive and helpful during the process. We felt at ease and got our dream home.
The BEST in communicating with us every step of the way. No surprises. No issues. We have been doing business with Rod for years…..wouldn’t have it any other way.
Rod was truly committed to making this important purchase of our dream home. HE went above and beyond. As a small business owner, during a pandemic, there was a whole new degree of difficulty. Rod’s communication was thorough, accurate and always on time. The seamless technology he used ensured that collecting all of the documents painless. We would definitely recommend working with Rod to purchase your next home!
Lake Orion, MI
Rod and staff were absolutely amazing through my home buying process. Rod guided me through it step by step and took the time to explain everything to me. He was quick to respond to all of my questions and concerns. I have no doubt that him and his staff looked out for my best interest. They guided me in the right direction to help make the best decision for me. I will 100% refer Rod to anyone I know looking to purchase a home.
Goose Creek, SC
Working with Rod was a great experience! After much frustration with other lenders, our realtor suggested to speak with Rod at MI Mutual. From the get go, Rod was wonderful! He was patient, did a lot of number crunching for us, took the time to explain and offer solutions, and was always timely in responses, whether it was by email or phone. Rod was there to offer his expertise and set us up for success at every point in this process. I highly recommended him! You can’t go wrong.
Rod’s level of communication and knowledge of the whole lending process sets the bar for others in the industry to shoot for. Thanks Rod for another smooth transaction…Looking forward to many more!
Rod went above and beyond for my wife and I in these trying times. Rod was available all hours of the day and holiday. Our purchase absolutely would not have been an option without Rod. I am confident of that.
From start to finish Rod was transparent about what my options were and how each would impact me. He communicated each step and what I was to expect throughout the refinance process. He was professional and always available. I would highly recommend Rod at MIMutual.
Very fast and organized process. I interviewed six lenders, and Rod was the fastest to respond, the most organized, and provided the most accurate information.
Muskegon Heights, MI
I cant say enough! Communication was always exceptionally prompt and he was very adaptive to my needs as things changed. I felt that every step of the way I was educated as needed and he never allowed me to make a decision that would be poor for me even if it would have lead to a quicker close for him. I never once felt like a client. Thanks Rod!
Carson City, 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
2020, 2021, and 2022
Honored to be listed as a President’s Club member for three consecutive years. 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.
Your guided mortgage journey starts here!Start Application