From 3% down
Conventional
Best for strong credit profiles. The most flexible all-around option for most buyers.
Purchase
With 
Brian & Lynn
Brian & Lynn If you’re buying a house, you need to know your numbers.
Our advisors make sure you know the numbers that matter — monthly payment, initial investment, total cost — before you set foot in a house you’re touring.
What working with us looks like
Six steps. Honest timelines. The middle one — the actual house hunt — moves at your pace, with detailed estimates from us for every house you’re considering.
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Initial consultation
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Preapproval
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House hunt
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Formal application
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Underwriting
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Closing
What you’ll see before you commit
No guesswork. No “let me get back to you on that.” No sales pitch. Here’s what clarity actually looks like when you work with us.
The big picture, one screen
Down payment, rate, monthly payment, and initial investment — all in one view before you make an offer.
Every dollar of your payment
Broken down into principal, interest, taxes, insurance, and HOA. You’ll know what’s in every dollar of that monthly number.
Honest closing estimates
A real number for what you’ll need at the closing table — not a lowball teaser that turns into a surprise at signing.
Every line item, explained
Title, escrow, taxes, insurance, prepaid items — every cost itemized. You’ll know what each dollar is for.
Decades of Michigan experience
We’ve been originating loans in southeast Michigan for over 20 years. First-time buyer, investor, self-employed, divorce — we’ve seen the scenarios and know what to ask.
Information, not a sales pitch
Our job is to make sure you understand your options. The decision is yours. We’ll lay out the tradeoffs plainly, answer every question, and never push.
Brian Mutter
Loan Officer · NMLS #1109257
Lynn Marie Oates
Loan Officer · NMLS #1495433
Advisors, not salespeople. Pick the person you want to work with and reach out directly.
Loan programs we work with
We’re an independent broker, which means we shop the market for you instead of pushing a single product. Common programs:
From 3.5% down
FHA
More flexible on credit and debt-to-income, especially helpful for first-time buyers.
0% down
VA
For eligible veterans and active-duty service members. No mortgage insurance required.
Above the limit
Jumbo
For loan amounts above the conventional conforming limit.
Cash-flow qualified
Investor & DSCR
Rental properties qualified on the cash flow of the property, not your personal income.
Short-term
Bridge
When you’re buying a new home before your current one sells.
Beyond W-2
Self-employed & Non-QM
When tax returns don’t tell the whole income story. Bank statements, P&L, asset-based.
First-time buyer in Michigan? We have a full guide for you →
Frequently asked questions
How long does it take to get preapproved for a mortgage?
Usually somewhere between 2 and 48 hours after your first consultation. We start with a real conversation about your situation, and once we have what we need, your preapproval comes together quickly — so you can shop with confidence and make an offer the moment the right house shows up.
How much do I need for a down payment?
It depends on the loan program, and it’s often less than people expect. Eligible veterans and active-duty service members can qualify for VA loans with 0% down. Conventional loans start as low as 3% down, and FHA loans start at 3.5%. Before you tour a single house, we’ll show you the real numbers for your situation — down payment, monthly payment, and what you’ll need at closing.
What’s the difference between a mortgage broker and going straight to a bank?
A bank can only offer you its own products. As an independent broker in Rochester, Michigan, we shop multiple wholesale lenders to find the loan that fits you — instead of fitting you into a single product. That usually means more options and a better match for your situation, especially if your income or credit doesn’t fit the standard mold.
What credit score do I need to buy a home?
There’s no single magic number — it depends on the program. FHA loans, for instance, are more flexible on credit than conventional loans. Rather than have you guess, we’ll look at your full picture and tell you honestly where you stand and what your options are. If there’s a simple step that would put you in a stronger position, we’ll point it out.
How much money will I actually need at closing?
More than just the down payment — you’ll also have closing costs like title, escrow, taxes, insurance, and prepaid items. We give you an honest, itemized estimate up front, not a lowball teaser that becomes a surprise at the signing table. You’ll know what every dollar is for before you commit. Lynn breaks down what trips people up in plain English in what are closing costs — and why they catch so many buyers off guard.
Do you work with first-time home buyers in Michigan?
Yes — first-time buyers are a big part of who we help. We’ve been originating loans in southeast Michigan for over 20 years, and we walk first-time buyers through every step, from understanding your numbers to closing day. No question is too basic; our job is to make sure you understand your options, never to rush you.