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Dave Keblaitis

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Rural Development Loans
100% Financing Available

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Upside down in your loan? Rate adjusting? We work with your lender to lower rates and/ or mortgage balance


 

Useful Links


• Royal Oak, MI
• FHA Website
• Rural Development
• HUD Website


City Information


• Royal Oak, MI

• Birmingham, MI
• Bloomfield Hills, MI
• Bloomfield, MI
• Beverly Hills, MI
• Troy, MI
• Rochester Hills, MI

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Lending Experts


Five Steps Toward Healthy Credit

Self improvement is a great thing. Becoming a better public speaker can earn you a promotion. Going to the gym regularly can help you lose a few pounds. Best of all, managing your credit better can save you hundreds or even thousands on life’s big purchases.  Managing your credit is not hard, it just takes time and a little knowledge about the credit scoring system. 

While each person’s individual credit profile should be managed in its own way, there are five basic things that everyone can do to work toward healthy credit. 

BE PUNCTUALPay all your bills on time each month. Late payments, collections, and bankruptcies have the greatest negative effect on your credit scores. 

CHECK YOUR CREDIT REPORTS REGULARLY AND TAKE THE NECESSARY STEPS TO REMOVE INACCURACIESDon’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately. 

MANAGE YOUR DEBTS – Keep your credit card account balances below 35% of your available credit limits. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $350. 

GIVE YOURSELF TIME - Time is one of the most significant factors that can build healthy credit. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest accounts on your credit report open in order to lengthen your period of active credit use. 

AVOID EXCESSIVE INQUIRIES – A large number of inquires occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation. 


Home Funding Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. We are confident to say "If we can't do it.....it can't be done" Let us help you, "Manage your Mortgage in any Market".




Loan Types Available

• 30 Year Fixed • FHA Loans • VA Loans
• Adjustable Loans • Small Commercial • Investor Loans
• Reverse Mortgages • 10-25 Yr Fixed • 203K Streamlines

 



Why Choose Home Funding Group ?

Small company service with big company pricing. We have an army of wholesale lenders available to us. What does this mean to you? We shop around for you to find the best rate and cost structure for your mortgage. It also means that no matter what your need, we have the product for you.

With the credit markets tightening up, we also see the need to be a lender, not just a broker. We have a warehouse line ready to fund your loans and a staff of in-house underwriters to give you common sense underwriting.

In this market, knowledge and experience are the difference between a mortgage experience in which you are left at the closing table with no mortgage and no support versus having a very nice experience and setting yourself up to be successful financially. Count on our staff to guide you through the process smoothly and successfully. Check out our Resource Center to view some of the reports we use to help you choose the right mortgage and keep you in the right mortgage even after you close.

In a market when other mortgage companies are closing their doors, we remain and are growing. Our commitment is to provide top quality mortgage financing and superior service. Our satisfied clients have responded through repeat business and word of mouth referrals. Thank you!

Don't take our word for it! Call the Better Business Bureau or check out a few of our testimonials.

 

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