About Edward Kalavitz — Michigan Mortgage Broker
Dedicated Michigan mortgage broker and licensed Realtor with 25+ years helping families achieve homeownership across all 83 Michigan counties.
NMLS #138424 | MI Realtor #6501386956
Meet Edward Kalavitz — Helping Michigan Families Since 1999
Hi, I’m Edward Kalavitz — a licensed Michigan mortgage broker and Senior Loan Officer at Private Mortgage Guarantee LLC (NMLS #2033317). I’ve been helping Michigan families navigate the mortgage process since 1999, originating FHA, VA, USDA, Conventional, and Jumbo loans for over 25 years.
What makes my approach different is dual licensing. Since 2015, I’ve been both a licensed Mortgage Loan Originator (NMLS #138424) and a Michigan Realtor (License #6501386956) with Turnkey Realty LLC. That means you work with one trusted expert for both the home search and the financing — saving time and eliminating miscommunication.
Whether you’re a first-time buyer in Grand Rapids, a veteran using your VA benefit in Kalamazoo, or a homeowner ready to refinance, I’m available 7 days a week — including every holiday — to guide you from application to closing.
Ready to start? Contact me or call (616) 633-3692. Most pre-approvals are completed within 24 hours.
Meet Edward Kalavitz — In His Own Words
Watch this short video to learn more about Edward Kalavitz, his approach to helping Michigan homebuyers, and why personalized service makes all the difference.
Edward Kalavitz — Licenses & Credentials
- Michigan Mortgage Loan Originator License — NMLS #138424 (Active, renewed annually)
- Private Mortgage Guarantee LLC — NMLS #2033317 | 2169 Wealthy St SE, Grand Rapids, MI 49506
- Michigan Real Estate Salesperson License — #6501386956 (Turnkey Realty LLC, expires 03/19/2028)
- Loan Programs: FHA, VA, USDA, Conventional, Jumbo, Non-QM, Bank Statement, DSCR, Construction, Reverse Mortgage
- Technology: Encompass, Calyx Point, Desktop Underwriter (DU), Loan Prospector (LP)
- Compliance: SAFE Act compliant — annual NMLS CE complete — RESPA, TILA, TRID guidelines
- Availability: Mon–Fri 8AM–8PM | Sat–Sun 9AM–8PM | All Holidays
The Edward Kalavitz Story — 25 Years in Michigan Mortgages
Edward Kalavitz entered the Michigan mortgage industry in 1999 and spent the next 13 years building expertise across multiple Grand Rapids-area lenders. Throughout that period, he consistently exceeded production goals while developing deep skills in loan structuring, credit analysis, and building strong referral networks with realtors and builders throughout West Michigan.
In 2012, Edward Kalavitz joined Private Mortgage Guarantee LLC as Senior Loan Officer. There, he has originated and closed hundreds of residential loans, managing each file from initial intake through underwriting and closing. His deep familiarity with Encompass, Calyx Point, and DU/LP automated underwriting systems means files move smoothly and efficiently — reducing stress for both buyers and realtors involved in the transaction.
In 2015, Edward Kalavitz earned his Michigan Realtor License (#6501386956) through Turnkey Realty LLC, making him one of a rare group of professionals who can represent you as both buyer’s agent and mortgage originator. As one client noted, it was “great to have 2 in 1” — viewing homes and running mortgage numbers on the same day.
A graduate of Kenowa Hills High School (Class of 1986) with General Business coursework from Grand Rapids Community College, his career has been built on three core principles: honest communication, creative problem-solving, and accessibility. That last point is what clients mention most — he answers calls and emails when other loan officers don’t, including evenings, weekends, and every holiday.
“My mission is simple: help Michigan families achieve homeownership with honest guidance, competitive rates, and a stress-free process. Your success is my success.”
— Edward Kalavitz, NMLS #138424 | Schedule a Free Consultation →
Edward Kalavitz — Career Timeline
Entered the Michigan Mortgage Industry
He began his mortgage career in Grand Rapids, developing foundational skills in loan origination, client profiling, credit analysis, and the end-to-end loan process.
Grew Expertise Across Multiple Michigan Lenders
He honed his skills across multiple Michigan mortgage firms — consistently exceeding production goals while specializing in FHA, VA, and Conventional loan programs and building lasting referral networks with realtors and builders.
Joined Private Mortgage Guarantee LLC as Senior Loan Officer
He became Senior Loan Officer at PMG, where he has since originated hundreds of loans for clients across all 83 Michigan counties, with a consistent focus on first-time buyers, repeat clients, and veterans.
Added Michigan Realtor License — Turnkey Realty LLC
He became dual-licensed as both a mortgage broker and Michigan Realtor (#6501386956), offering clients a complete homebuying experience — property search, offer negotiation, and mortgage financing all in one place.
25+ Years Strong — Expanded Digital Tools
He launched advanced free tools for Michigan homebuyers: the Michigan Mortgage Advisor, Pre-Approval Letter Generator, and Home Value Estimator — alongside new specialty programs for physicians, investors, and self-employed borrowers.
Why Michigan Homebuyers Choose Edward Kalavitz
In a crowded marketplace of banks, online lenders, and national companies, Private Mortgage Guarantee LLC stands out for reasons that matter most when you’re making the largest financial decision of your life.
Integrity & Transparency
Honest communication is central to every transaction. You’ll always know where your file stands, what your real costs are, and what to expect next. No surprises at the closing table. Review the disclosures page for full transparency.
The 2-in-1 Advantage
As a licensed Realtor AND mortgage broker, he can show you homes and run financing numbers on the same day. Clients who use this advantage close faster and make stronger offers — something no bank loan officer can replicate.
7-Day Availability — Including Holidays
Available Monday–Friday 8AM–8PM and Saturday–Sunday 9AM–8PM, including every holiday. Real estate moves fast; when your deal is at stake, you’ll never reach a voicemail.
Multiple Lender Access
Unlike banks that offer only their own products, your loan is shopped across multiple wholesale lenders to find you the best rates and terms. This access to the wholesale market consistently saves clients money over the life of their loan.
Deep Compliance Expertise
Fully proficient in DU/LP underwriting systems, RESPA, TILA, and TRID compliance. Every file is clean, complete, and structured to move through underwriting smoothly — reducing delays at every stage.
Local Michigan Knowledge
As a lifelong Grand Rapids-area resident, he understands West Michigan real estate: neighborhood pricing, seller expectations, and local title companies. That local insight is something no national lender can offer.
Loan Programs Offered by Edward Kalavitz
Edward Kalavitz offers Michigan homebuyers a complete range of purchase and refinance programs through Private Mortgage Guarantee LLC. Every borrower’s situation is unique — the right program is matched to you rather than fitting you into a one-size-fits-all product.
- FHA Loans — 3.5% down, flexible credit requirements, ideal for first-time buyers
- VA Loans — 0% down for eligible veterans, active duty, and surviving spouses
- USDA Loans — 0% down for eligible rural and suburban Michigan properties
- Conventional Loans — As low as 3% down, competitive rates, PMI removal options
- Jumbo Loans — Financing above the conforming loan limit for luxury Michigan homes
- Refinancing — FHA Streamline, VA IRRRL, Conventional rate/term, cash-out refinance
- Self-Employed and bank statement loans for non-traditional income borrowers
- DSCR Loans and investment property financing for Michigan real estate investors
- Construction Loans, bridge loans, asset depletion, and reverse mortgages
- Down Payment Assistance — guidance through all available Michigan programs
What Clients Say About Edward Kalavitz
These are real, verified Google reviews from clients who went through the process. The consistent themes? Responsiveness, professionalism, and results. Read more on the full reviews page.
⭐⭐⭐⭐⭐
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
— Susan Parsley | Google Review
⭐⭐⭐⭐⭐
“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
— Justin Schneider | Google Review
⭐⭐⭐⭐⭐
“Realtor & Lender — Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a realtor and lender, which was great to have 2 in 1. We were able to look at houses and run numbers the same day.”
— Mallory Anderson | First-Time Homebuyer | Google Review
⭐⭐⭐⭐⭐
“Above and Beyond — Twice”
“Edward is a great realtor and loan officer. He helped my fiancé and I buy our first home. We called him back when we were ready to buy our forever home. He again went above and beyond.”
— Anthony Smolenski | Repeat Client | Google Review
⭐⭐⭐⭐⭐
“Closing Came Sooner Than Anticipated”
“Edward was up front, professional and most helpful. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.”
— Dennis Bowman | Refinance Client | Google Review
⭐⭐⭐⭐⭐
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
— Paula Hilliard | Google Review
Michigan Communities Edward Kalavitz Serves
Edward Kalavitz is licensed to serve borrowers in all 83 Michigan counties. Whether you’re buying a starter home in suburban West Michigan or a lakefront property in the Upper Peninsula, financing is available from the same trusted local mortgage broker. View the full Michigan mortgage service areas page.
💬 See Real Michigan Mortgage Rates — Before You Call
Edward Kalavitz built a free Michigan Mortgage Advisor showing real FHA, VA, USDA, and Conventional rates by credit score. No credit pull. No obligation.
Launch Mortgage Advisor → Talk to Edward Instead🏡 Know Your Numbers Before You Shop
Check your current home value or find out how much home you can realistically afford — built using real Michigan MLS data from 281 ZIP codes.
Check Home Value → Affordability Calculator →📄 Get Your Michigan Pre-Approval Letter
Ready to start? Get a free pre-approval letter instantly — or apply now through the secure portal. FHA, VA, USDA, and Conventional included.
Get Pre-Approval Letter → Apply Now →Frequently Asked Questions About Edward Kalavitz
What is Edward Kalavitz’s experience as a Michigan mortgage broker?
Edward Kalavitz has over 25 years of experience originating Michigan residential mortgages, having worked in the industry since 1999. As Senior Loan Officer at Private Mortgage Guarantee LLC since 2012, he has closed loans for 500+ families across all 83 Michigan counties. He holds NMLS #138424 and Michigan Realtor License #6501386956.
What loan programs does Edward Kalavitz offer?
Available programs include FHA, VA, USDA, Conventional, Jumbo, bank statement, DSCR, construction, asset depletion, reverse mortgage, and renovation loans. Full refinancing programs are also available.
What areas does Edward Kalavitz serve?
Edward Kalavitz serves all 83 Michigan counties. The primary focus is West Michigan — Grand Rapids, Kalamazoo, Holland, Muskegon, Battle Creek, and Portage — but service extends statewide including Metro Detroit, Traverse City, Flint, and the Upper Peninsula.
What are Edward Kalavitz’s hours of availability?
Edward Kalavitz is available 7 days a week including all holidays. Weekday hours are Monday–Friday 8AM to 8PM. Weekend hours are Saturday–Sunday 9AM to 8PM. This extended availability is one of the most-cited reasons clients choose this service over banks. Call or text anytime: (616) 633-3692.
Is Edward Kalavitz also a licensed Michigan Realtor?
Yes. Edward Kalavitz has been a dual-licensed mortgage broker and Michigan Realtor since 2015, holding Realtor License #6501386956 through Turnkey Realty LLC. This allows representation as both buyer’s agent and mortgage originator — a true 2-in-1 advantage.
How fast can Edward Kalavitz issue a pre-approval?
Pre-approvals are typically completed within 24 hours of receiving a completed application and required documents. You can apply online now or use the free pre-approval letter tool to get an instant estimate.
Why choose Edward Kalavitz over a bank or online lender?
Banks offer only their own products. Online lenders offer no local expertise. Edward Kalavitz offers both wholesale lender access for the best rates AND local Michigan knowledge built over 25 years. Add in 7-day availability, dual licensing as a Realtor, and a personal relationship — there’s simply no comparison.
What software and compliance standards does Edward Kalavitz follow?
He is proficient in Encompass, Calyx Point, Desktop Underwriter (DU), and Loan Prospector (LP). Fully SAFE Act compliant, annual NMLS continuing education is completed each year, and all RESPA, TILA, and TRID guidelines are followed. View the disclosures page for complete compliance information.
Free Mortgage Tools & Resources from Edward Kalavitz
Now That You Know Edward Kalavitz — Let’s Get to Work
Ready to buy or refinance a Michigan home? I’ll review your goals and create a plan to get you there — available 7 days a week including every holiday.
Edward Kalavitz | NMLS #138424 | Private Mortgage Guarantee LLC | NMLS #2033317
2169 Wealthy St SE, Grand Rapids, MI 49506 | (616) 633-3692
Available 7 Days a Week | Mon–Fri 8AM–8PM | Sat–Sun 9AM–8PM | All Holidays
Privacy Policy | Terms of Service | Disclosures | Sitemap
Equal Housing Lender