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New or Second Home Purchase Mortgages

The lending experts at Team Mortgage Company in Grand Rapids want you to enjoy the many benefits of owning your own home. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say good-bye to your landlord and take control of your living environment.

Whether you are a first-time homebuyer, a renter, purchasing a new or second home or looking for investment property, we have an assortment of tools and loan programs available to meet your individual financing needs. Our easy-to-navigate website can answer many of your questions, or contact us by phone today. LEARN MORE >
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The mortgage experts at Team Mortgage Company can help you determine if now is the right time for you to refinance.Our professional lenders can help you to lower your monthly payments or reduce the time it takes to pay off your loan.

There are numerous benefits to refinancing in today’s market. Primarily, you will be able to lower your rate and reduce your monthly payments and interest costs. In addition, you may be eligible to convert your adjustable-rate mortgage (ARM) to a more secure fixed-rate mortgage. You might also qualify to combine your first and second mortgages into one mortgage at a lower rate. Finally, refinancing may allow you to pay off installment debts and credit cards if you qualify. LEARN MORE >
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Reverse Mortgage Loans

A reverse mortgage loan is a home loan — used for any purpose — allowing seniors age 62 and above to access the cash equity they have built up in their home.Team Mortgage Company’s residential reverse mortgage loan specialists can help you understand how these loans can benefit you and your family.

There are several different reverse mortgage programs. Fannie Mae Home Keeper®, Jumbo Cash-Out Loan, and the HUD-insured Home Equity Conversion Mortgage (HECM) are three of the most common programs. As demand increases, more reverse mortgage programs from different organizations will become available. LEARN MORE >
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Grand Rapids Mortgage Loan Programs

When searching for your best option for financing a new purchase, refinancing, or remodeling your home, you will be faced with numerous options and a long list of different programs.

Team Mortgage Company will help you to understand all of your available options so that you can be confident in your final decision, and as such we’ve highlighted several of the most common programs offered today. Characteristics of each loan program are unique, so consult one of our expert Grand Rapids mortgage professionals for more information and details on each program available to you. LEARN MORE >
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FHA & VA Loans

Team Mortgage Company can assist you in understanding a number of quality mortgage programs offered by the federal government to help people with lower incomes realize the American dream of home ownership.

Our Grand Rapids mortgage company specializes in helping Michigan individuals and families navigate the many ins and outs of these complicated, yet very effective programs. Our professional and knowledgeable staff can answer your questions and make sure that you on the right track when applying for these specialized and often confusing loans. LEARN MORE >
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FHA  /  203(k) Construction Loans

If you are thinking about buying a house, remodeling or repairing the house you have, then it is in your best interest to talk with our professional residential mortgage specialists to learn about the options available with an FHA 203k construction loan. This excellent loan program works well in today’s market but few individuals actually understand the benefits it offers.

This specialized loan allows you to buy a house and fix it up without using money out of your pocket and basing the loan amount on a future value after the improvements have been completed. LEARN MORE >
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Conventional Rural Development Loans

The mortgage professionals at Team Mortgage Company can walk you through the sometimes confusing process involved with securing a conventional rural development loan. USDA rural development loans provide low-cost insured home mortgage loans that offer a variety of options. A USDA mortgage loan might be right for you if you want to purchase a home with no down payment.

Our Grand Rapids rural development loan experts can walk you through your options and help you to determine whether you qualify for this specialized loan. If you are unsure about your credit rating, or have concerns about a down payment, USDA rural development loans can give you piece of mind with their low closing costs and flexible payment options. LEARN MORE >
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Zero Down Mortgage Loans

The professional staff at Team Mortgage Company knows that the cash required for a down payment and closing costs can often be a deterrent to new homebuyers. Fortunately, our expert lenders can provide you with alternative options for a mortgage loan requiring zero down at closing.

A Zero Down loan can help you finance your new home even when you don’t have enough cash to pay your closing costs and make a down payment. It is also used to avoid paying Private Mortgage Insurance (PMI) costs. LEARN MORE >