Growing up in St. Clair, Michigan as the son of a successful entrepreneur, I always understood the value of hard work and dedication. Being number 5 of 6 kids really gave me a sense and appreciation of how important family is. Now being married and having 4 kids myself, I truly understand how important it is to have a strong team in your corner to help guide and assist you through your journey. That’s why I am ready to guide you through your own mortgage story, supporting you to reach YOUR goals, in YOUR time frame, how YOU want to.
Spending 9 years in the United States Navy as a Submariner, I learned what it really meant to be part of something bigger than yourself. Honor, Courage and Commitment are the core values that were instilled in us and what we live by every day.
I am committed to being in your corner and promise to empower you with all the information needed to choose the right loan for you. Whether you are looking to purchase, refinance or remodel, let me, your local Mortgage Loan Officer, customize a mortgage lending option to meet your needs. Your Story is a part of My Story and that’s why I am committed to making a difference to your journey.
My pledge to you: Committed to never leaving you wonder about the next step; Committed to always keeping you informed ahead of what’s going to happen; Committed to guiding you on your journey to success, letting you know what you need to do and when you need to do it; Committed to no secrets, sharing what we are doing at every turn
I am committed to being in your corner and promise to empower you with all the information needed to choose the right loan for you
Trevor never sleeps! We could reach him with questions pretty much 24/7 and he made the process seamless and easy. He is US Navy veteran and my wife and I felt so comfortable working with him and would (and will) do so again if he’ll have us! Thanks Navy, your Marines love ya!
Cape Coral, FL
Best home buying experience I have ever had. Very professional. Trevor worked so diligently on my loan and was constantly in contact with me, assuring he could get what he promised. He is a man of his word and very honorable. Port Huron needs more people like this guy! Thank you Trevor!
Port Huron, MI
Great at everything. Very happy with Trevor, was very nice and available to answer all of my questions.
Trevor is top notch professional. The financing was so simple thanks to Trevor. He was always accessible to me and very informative. I would recommend Trevor over all others!
Trevor communicated in a timely and effective manner. He was pleasant and reassuring when the real estate transaction took longer than expected. I’m glad we went with a local lender.
Port Huron, MI
Trevor was very helpful and immediately responsive. He was easy to talk to and made the loan process easy and stress free! Highly recommended….next time I need a mortgage I know who I will be reaching out to! Thank you Trevor!!
St Pete Beach, FL
After six months dealing with two other financial companies, Mimutual was able to get our refinancing done quickly and with no hassle. Trevor was very easy to work with and gave us great support and efficiency to get the job done. Thanks!
Trevor was such a pleasure to work through the loan process with. He was very knowledgeable and responded quickly to any questions I had. I would definitely recommend him to anyone looking for a mortgage consultant.
Cape Coral, FL
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
2021 and 2022
Honored to be listed as a President’s Club member in 2021 and 2022. 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