Your Local Mortgage Lender
Located in Independence Township Michigan
Serving all of MI
Personalized Mortgage Experience
Dan Rogers offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Get notified when it’s the right time to refinance your home
Small savings add up fast, we can help you improve your financial future
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Independence Township Michigan.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Is Now a Good Time to Buy a Home in Independence Township Michigan? Here Is What the Data Shows
Is Now a Good Time to Buy a Home in Independence Township Michigan? Here Is What the Data Shows
The Question Every Independence Township Buyer Is Asking Right Now
If you have been watching the Independence Township and greater Oakland County market and wondering whether now is actually a good time to buy the honest answer requires looking at the specific data rather than relying on national headlines that may have nothing to do with what is happening in your backyard.
Here is what the current market is showing and why it matters for buyers who are ready to make a move.
What Is Happening in the Local Market Right Now
Inventory has been building across Oakland County including Independence Township at a pace that has not been seen in several years. More homes are available which means buyers have genuine choices rather than being forced into bidding wars on the first property that comes available in their price range.
Sellers who have been sitting on the market longer than expected are adjusting their expectations. Price reductions are more common than they were during the peak years and seller concessions including closing cost credits and rate buydowns are being negotiated successfully in transactions across the region. Nationally a record 34 percent of sellers cut their list price in February and the pattern is reflected in many Michigan markets including the communities around Independence Township.
The lock-in effect that kept many homeowners from listing because they did not want to give up their low-rate mortgage is beginning to ease. As more sellers decide to move despite the rate they are giving up inventory continues to build and buyer options continue to expand.
Why Independence Township Specifically Makes Sense for Buyers
Independence Township offers a combination of characteristics that make it particularly compelling for buyers evaluating where to purchase in the Oakland County area. The community sits in a location that provides access to both natural amenities and employment centers. Home values in the area have remained relatively stable compared to more volatile markets elsewhere in the country which means buyers are not walking into a situation where recent appreciation has significantly outpaced the underlying value.
For buyers who are planning to stay in the area for three to five years or more the buy versus rent calculation in Independence Township increasingly favors purchasing. Rents across Oakland County continue to climb while a fixed rate mortgage locks in the principal and interest payment for the life of the loan. Every rent payment builds someone else's equity. Every mortgage payment builds yours.
The Three Tools That Are Making Deals Work Right Now
The buyers who are walking away with the best outcomes in the current Independence Township market are the ones who understand that the real opportunity is not just in the purchase price but in how the full transaction is structured.
Seller-paid rate buydowns are being negotiated successfully on properties that have been sitting on the market. A seller who contributes to a rate buydown at closing can reduce a buyer's monthly payment by hundreds of dollars per month for the first several years of the loan or permanently depending on the structure. On a $350,000 home in Independence Township that kind of monthly savings is meaningful and lasting.
Closing cost credits reduce the cash a buyer needs at the settlement table and allow them to move in with more money in their account rather than having depleted savings on day one of homeownership.
Price negotiations on homes with extended days on market are producing results that simply were not available when sellers had all the leverage. Buyers who come prepared and work with a loan officer who knows how to structure offers around these tools are capturing benefits that buyers without that preparation are missing.
Get Prepared Before the Right Home Appears
The buyers who succeed in the current Independence Township market are not the ones who start the pre-approval process after finding a home they love. They are the ones who are already pre-approved, already clear on their budget, and already working with a loan officer who can move quickly when the right property appears.
Dan Rogers works with buyers in Independence Township and throughout Oakland County to get fully prepared and build offer strategies that take full advantage of the current market conditions. Reach out to Dan Rogers to find out what your numbers look like and whether now is the right time to make your move in Independence Township.
Sources
NAR.realtor MortgageNewsDaily.com Realtor.com MichiganRealtors.com BankRate.com
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