Lynn Marie Oates - headshot

Lynn Marie Oates

Loan Officer

Direct: (248) 875-1029

Profile

As an experienced Mortgage Loan Officer, Lynn understands that the process of securing a mortgage can be intimidating.  That's why she takes the extra time to discuss any financial or budgetary concerns and guides her clients through the mortgage process every step of the way.

Recognizing that buying a home is likely the biggest financial investment you will make, Lynn’s primary objective is to minimize the stress associated with the home buying process. Her commitment is to ensure that her clients are in the best position to have your strongest offer accepted on the home of their dreams.

With her personalized approach, Lynn will take you through each step of the home buying process, providing comprehensive support along the way. She goes the extra mile to ensure that her clients are financially and emotionally prepared for homeownership before submitting an offer on a new home. Additionally, Lynn will keep you updated throughout the process and will always be available to address any questions or concerns you may have.

Lynn loves helping home owners with their financing!

See her amazing testimonials here on Google Reviews!

Lynn’s Blog

Why Your Phone Blows Up After a Mortgage Credit Check (And What Just Changed)

March 31, 2026

Applying for a mortgage should feel exciting not overwhelming. But for many homebuyers, a simple credit check can trigger a flood of unwanted calls, texts, and emails from lenders they’ve never heard of. The good news? That’s finally changing.

The Homebuyer Privacy Protection Act (H.R. 2808) is now in effect, bringing much-needed limits to trigger leads. While it doesn’t eliminate them entirely, it significantly reduces who can access your information and when they can contact you.

In most cases, only companies you’ve already worked with or given permission to can reach out meaning fewer surprises and a smoother experience overall.

If you’re planning to apply for a mortgage soon, there are also a couple of simple steps you can take to protect yourself even further. Here’s what you need to know.

Hourly vs Salary vs. Self-employed: What you’ll need to buy a home

March 25, 2026

If you’re planning to buy a home, your income type plays a bigger role than you might think. Whether you’re salaried, working variable hours, or self-employed, lenders look at your income differently and require specific documentation to verify it. Understanding what’s needed ahead of time can help you avoid delays, reduce stress, and move through the mortgage process with confidence.

Debt-To-Income: A Simple Detail That Can Affect How Much Home You Can Buy

March 19, 2026

When people think about qualifying for a mortgage, credit scores usually get all the attention. While credit is important, there’s…

A smiling couple reviews financial documents with a businesswoman at a table. They are outdoors, with suburban houses in the background. The scene conveys happiness and collaboration.

Mortgage Terms Made Simple: A Friendly Guide for Anyone Feeling a Little Lost

February 18, 2026

If you’ve ever dipped a toe into the world of home loans and felt like you were suddenly swimming in…

What Today’s Debt Trends Tell Us About Tomorrow’s Opportunities

February 11, 2026

This month, I want to talk about something that might sound a little dry at first—but is actually very relevant right now:…

Your Go-To Guide on Buying a Home After a Credit Setback

January 28, 2026

Life has a way of throwing curveballs, and sometimes those curveballs hit our finances hard. Bankruptcy, foreclosure, a short sale—these…

A joyful couple stands outside a house, holding a gift box filled with cash and a set of keys, symbolizing a new home purchase or financial gift.

How Gifted Money Can Help With Your Mortgage

January 20, 2026

In the world of mortgages, “gift funds” can be a powerful tool to help make homeownership more accessible, especially for…

The 50-Year Mortgage: Is It Helpful or Hype

December 29, 2025

If you’ve been watching housing headlines, you’ve probably noticed all the talk about affordability. With fast-rising prices, low inventory, and…

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The Hidden Power of Homeownership: Why It’s the Cornerstone of Wealth

December 17, 2025

There’s a reason homeownership is called the American Dream – and the numbers back it up. According to Barry Habib from MBS Highway and…

A split image with "To Pay or Not to Pay" theme. Left: Icons of a car, money, and a gavel with words like "Repossessions." Right: Confused man with speech bubbles.

To Pay or Not to Pay – The One-Offs!

December 5, 2025

These are the unique credit situations that don’t fit neatly into the usual categories. They’re the ones that make people…