Comstock Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Comstock, Kalamazoo County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Comstock, Kalamazoo County & all 83 Michigan counties
In This Guide
- Today’s Rates in Comstock
- Michigan Mortgage Advisor
- Meet Your Comstock Mortgage Broker
- About Comstock, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Comstock
- Buying in Comstock
- Selling in Comstock
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Comstock FAQ
- Available Hours
Mortgage Rates in Comstock
Competitive pricing personalized to your scenario. Rates shown reflect 740+ credit, 30-year fixed terms unless noted.
Purchase Loans
Conventional Purchase
15-Year Conventional
FHA 30-Year Purchase
VA 30-Year Purchase
USDA Purchase & Refinance
USDA 30-Year Purchase
FHA Streamline Refi
Conventional Refinance
Jumbo & High-Balance
Jumbo / High-Balance
Get Your Comstock Rate in Writing
The rates above are today’s pricing at a 740 score. Your broker will quote your actual scenario — your credit, your down payment, your address — usually the same business day.
Not Sure Which Loan You Qualify For?
See the rates. Not sure which loan fits your situation? The Michigan Mortgage Advisor answers that in 60 seconds — analyzing your credit, down payment, and goals to recommend the best loan program and show you your real monthly payment on Comstock Michigan real estate.
- Instant loan-type recommendation — FHA, VA, USDA, or Conventional
- Live rate and APR for your exact scenario
- Michigan-specific closing cost estimate
- No credit check required to start
Best loan for you: FHA
3.5% down
~$1,830/mo principal + interest
Your actual recommendation is calculated live based on your inputs.
Meet Your mortgage expert
When Kalamazoo County buyers want expert lending guidance and a responsive professional who truly understands Michigan’s residential market, they turn to Edward Kalavitz with over 25 years of mortgage and real estate expertise. Comstock, Michigan is a Kalamazoo County community where average home prices of about $275,000 sit 22.4% below the Michigan statewide average — creating a compelling opportunity for buyers across a wide range of financial profiles.
As both a licensed mortgage broker and Michigan realtor, your local loan expert delivers a seamless dual-service advantage — one professional handles both your financing strategy and your real estate guidance from pre-approval through closing day.
Conventional financing is the featured primary program at Comstock’s average of about $275,000 — down payments starting at 3-5% (about $8,250–$13,750) and the most flexible long-term structure for buyers with solid credit. FHA provides the credit-accessible alternative with just 3.5% down (about $9,625) for buyers earlier in their financial journey.
USDA rural development zero-down financing may also be available for some Comstock-area addresses verifies USDA eligibility for any address at no cost during the initial consultation.
With 850 homes sold in six months and a 22-day average market time, Comstock gives buyers meaningful time to evaluate properties carefully. Edward typically has pre-approval letters ready within 24 hours.
Your loan officer is available seven days a week including every holiday — weekdays 8 AM–8 PM and weekends 9 AM–8 PM. Call (616) 633-3692 anytime.
Edward Kalavitz holds both a mortgage broker license (NMLS #138424) and Michigan realtor license (#6501386956). As your local mortgage expert, Edward delivers Conventional + FHA lending expertise alongside dual financing and real estate guidance. 25+ years of Kalamazoo County market knowledge and 7-day availability including all holidays.
Comstock Michigan Mortgage Broker — First-Time Homebuyer Guide
With conventional financing starting at 3% down and FHA requiring about $9,625 at Comstock’s average of about $275,000 — 22.4% below the Michigan statewide average — Comstock offers strong value for first-time buyers. Edward Kalavitz has guided hundreds of first-time buyers over 25+ years.
Your broker evaluates conventional and FHA side by side to identify the program delivering the best combination of upfront cost, monthly payment, and long-term structure. Michigan down payment assistance programs may further reduce upfront costs. Call Edward at (616) 633-3692 — pre-approval letters are typically ready within 24 hours.
Financing note: Your mortgage expert lends across every one of these neighbourhoods, and as your local mortgage expert, Edward can pre-approve you before you start touring.
About Comstock, Michigan
Comstock is a Kalamazoo County community within Comstock Charter Township, sitting directly east of the city of Kalamazoo and part of the Kalamazoo-Portage Metropolitan Area. The 2020 census recorded 15,231 residents across the township, which spans 35.3 square miles — 33.3 of land and 1.9 of water. Residents reach downtown Kalamazoo in roughly eight minutes via the Interstate 94 corridor, with Portage, Battle Creek, and Grand Rapids within commuting range. Your local loan expert can map this against what you want your payment to be.
The land that became the township was first surveyed in January 1827 by Robert M. Clark under the federal township-and-range system as Township 2 South Range 10 West. The first settler, William Tolland, arrived in 1829. Land entries followed quickly: William Harris and Major G. Van Dwyer recorded purchases in 1830, and Horace H. Comstock, Caleb Eldred, Thomas W. Merrill, and several other families entered land in 1831. Ask Edward to show you the trade-offs before you decide.
Comstock Township was organized by an act of the Territorial Legislature in 1834, carved from what had been part of Arcadia (later Kalamazoo) Township. Climax was set off from the township in 1837 and Charleston in 1838, establishing the boundaries the community has carried since.
The local economy is tied directly to the Kalamazoo-Portage metropolitan labor market. Western Michigan University, Bronson Methodist Hospital, and Ascension Borgess Hospital anchor major employment in adjacent Kalamazoo, while Portage adds significant pharmaceutical and medical-device employment within a 12-minute commute.
Comstock Public Schools is one of the area’s larger institutional employers, and freight movement through the township remains a real economic factor — both the Norfolk Southern and Grand Trunk Western (Canadian National) railroads operate through the community, and Amtrak passenger service is available four miles west in downtown Kalamazoo. The I-94 corridor running through the township carries regional logistics traffic between Detroit and Chicago.
Neighborhood Guide · Comstock, MI
Comstock Neighborhoods
The city’s residential fabric is organized around three geographic forces: the Kalamazoo River flowing east to west through the center of the township, the I-94 corridor running parallel to the south, and the original village core that grew around the 1830s land entries. Inventory ranges from compact older homes near the historic village to mid-century and newer single-family blocks across the broader 33.3-square-mile land area.
Comstock Village Core
The historic village center, established in the western portion of the township where Horace H. Comstock, Caleb Eldred, and other 1831 land-entry settlers concentrated. Inventory leans toward older single-family homes on compact lots, with a mix of late-19th and early-20th century construction interspersed with mid-century infill. Your loan officer can verify this rather than leaving you to guess.
Lot sizes are smaller than the surrounding township average, sidewalks run through much of the older grid, and the village core sits within minutes of both the Kalamazoo River and the I-94 entrance ramps. As your local mortgage expert, Edward can coordinate this with the purchase side.
Walkability: Walkable village grid with sidewalks throughout the historic core; daily neighborhood errands reachable on foot. Edward Kalavitz can tell you where this sits relative to your goals.
Buyer fit: Common among buyers prioritizing older home character, compact walkable lots, and short drives to both Kalamazoo employment and Galesburg services — particularly first-time buyers, downsizers, and remote-work professionals who want village texture rather than subdivision uniformity. Your broker can walk you through how this lands on your file.
Kalamazoo River Corridor
Homes set along the Kalamazoo River as it flows from east to west across the township, including frontage near Morrow Lake — the reservoir formed by the river within the township boundaries. Inventory mixes older river-adjacent homes, mid-century ranches on larger parcels, and a smaller number of custom-built homes on direct waterfront lots. As your local mortgage expert, Edward reviews this line by line with you.
Lot sizes generally run larger than the village core, with mature tree cover and varying degrees of direct water access depending on the specific parcel. Ask your mortgage expert what this changes about your qualifying number.
Walkability: Drive-oriented riverside lanes; daily services reached by car rather than on foot. A Comstock Michigan mortgage broker who also holds a real estate licence sees the whole transaction.
Buyer fit: Common among buyers prioritizing river views or frontage, larger lot sizes, and a quieter residential setting away from the I-94 corridor — particularly buyers trading Kalamazoo-city density for water-adjacent privacy while keeping an eight-minute commute to downtown employment. Your local loan expert can show you where this sits in your budget.
Comstock Public Schools Area
The residential blocks within the Comstock Public Schools attendance footprint, anchored by Comstock High School and the district’s feeder elementary and middle schools. Inventory is predominantly mid-century and later single-family construction on traditional suburban lots. Bring this up with Edward before you write an offer.
Streets are organized into platted subdivisions with sidewalks throughout most blocks. The area draws families specifically targeting the local district rather than the surrounding Kalamazoo, Galesburg-Augusta, or Gull Lake systems, which each serve adjacent geography. Your loan officer works from current figures, not last quarter’s.
Walkability: Sidewalks throughout the subdivisions; walking to bus stops and to neighbor blocks is common. As your local mortgage expert, Edward can put this in writing for a seller.
Buyer fit: Common among families with school-aged children specifically targeting Comstock Public Schools, dual-income households commuting to Kalamazoo, and move-up buyers exchanging starter homes for larger family floor plans while staying inside the district boundary. Edward Kalavitz can tell you quickly whether this is a factor for you.
I-94 Corridor
Residential parcels along the southern portion of the township where Interstate 94 forms the regional east-west backbone. Inventory mixes mid-century ranches, more recent infill construction, and parcels with quick access to the freeway interchanges that connect to Kalamazoo (west), Galesburg (east), and Battle Creek (further east). This is the kind of detail your broker should raise before you commit.
The corridor is the practical choice for buyers whose work commute extends beyond the immediate Kalamazoo metro — including Battle Creek (25 minutes), Marshall (35 minutes), or Grand Rapids (about 60 minutes via US-131). Your mortgage expert can run this against your actual income and debts.
Walkability: Drive-oriented; I-94 freeway access is the defining feature rather than walkability. Ask your local loan expert to compare a couple of structures side by side.
Buyer fit: Common among long-distance commuters, dual-income households split between Kalamazoo and Battle Creek employment, and logistics-industry professionals who need direct interstate access — particularly buyers who weigh freeway proximity above quiet-street character. Edward can flag this early rather than at underwriting.
Kalamazoo Suburb Residential
The broader suburban residential pockets that fill the township between the village core, the river corridor, and the I-94 corridor. Inventory leans toward standard suburban single-family homes — three- and four-bedroom floor plans on subdivision lots, with a smaller share of newer construction infill. As your local mortgage expert, Edward handles this in the pre-approval, not after.
These blocks reflect the community’s role within the Kalamazoo-Portage Metropolitan Area: residents live in the township but anchor their work, healthcare, and higher-education access in adjacent Kalamazoo. Your loan officer can confirm whether your file clears this comfortably.
Walkability: Drive-oriented suburban blocks; Kalamazoo metro services are eight minutes by car. Worth a conversation with Edward Kalavitz before you tour homes.
Buyer fit: Common among Kalamazoo commuters who prefer a township address over a city one, families moving up from Kalamazoo or Portage starter homes, and buyers who want suburban predictability with a shorter drive than Richland or Gull Lake. Your broker can tell you what a lender will actually count here.
Greater Comstock Township
The outer reaches of the township’s 33.3 square miles of land area, including the more rural-feeling parcels north and south of the central river-and-freeway band. Inventory includes traditional single-family homes on larger lots, occasional small acreage parcels, and a thinner share of newer construction. Ask your mortgage expert how this reads on a real loan estimate.
This area appeals to buyers wanting more privacy than the inner subdivisions offer while still being inside Comstock Public Schools and within a short drive of Kalamazoo employment. A Comstock Michigan mortgage broker who is also a Realtor can line this up with your offer.
Walkability: Drive-oriented rural-suburban; daily services reached by car along township and county roads. Your local loan expert can price two or three options so you can compare.
Buyer fit: Common among year-round township residents prioritizing larger lots, families wanting space for outdoor recreation, and buyers stepping out of Kalamazoo or Portage city density without leaving the metro entirely — including hobby gardeners, dog owners, and remote-work professionals. As your local mortgage expert, Edward would rather find this now than at closing.
Financing note: Value varies block by block here, and Edward prices the specific address rather than the postcode. Ask your loan officer which pockets appraise most consistently.
Property Types in Comstock
Single-Family Homes
Single-family homes are the dominant inventory across the township — three- and four-bedroom floor plans on traditional suburban lots, with a thinner share of older village-core homes and a small share of larger-lot rural-feeling parcels in Greater Comstock Township. Pricing generally runs $200K to $420K across broader blocks, with premiums for newer construction, river frontage, or Comstock Public Schools placement. Edward Kalavitz can tell you whether this moves your number much.
Condos & Townhouses
Condominium and townhouse inventory is moderate in size — smaller than what is available directly in Kalamazoo or Portage, but a real option for buyers wanting lower-maintenance ownership at a township price point. Floor plans range from compact two-bedroom units to larger townhouse-style residences. The segment is common among first-time buyers, downsizers, and buyers who want to keep weekends free from yard work. This is worth checking with your broker before you commit to a payment.
New Construction
New construction is available in moderate volume across the township — concentrated in subdivision infill within the broader Kalamazoo Suburb Residential and Comstock Public Schools Area footprints. Most newer builds are mid-size single-family homes with current-code energy efficiency, attached garages, and standard suburban lot widths. Buyers who want to be first owners can typically find inventory without waiting through long custom-build timelines. Your mortgage expert can explain how underwriting treats this.
Investment Properties
Rental demand in the township is anchored by Kalamazoo-area commuter workforce — Western Michigan University staff and graduate students, Bronson and Ascension Borgess employees, and Portage-area medical-device and pharmaceutical workforce. Inventory leans toward small single-family rentals and older homes positioned for rehab-and-hold strategies. Cap-rate math is generally stronger than directly inside Kalamazoo because of the lower entry price. Ask your local loan expert what documentation this will require.
Waterfront Homes
Waterfront inventory is defined by the Kalamazoo River as it flows east to west through the township, including Morrow Lake — the reservoir formed by the river within the community. Direct frontage homes carry meaningful premiums over the broader single-family market, and inventory turnover is slower because owners tend to hold. Buyers prioritizing river or lake frontage should expect to wait for the right property rather than buy from current standing inventory. Edward can tell you if this affects your timeline at all.
Luxury Homes
The higher-end segment concentrates on Kalamazoo River-adjacent properties, larger-parcel custom homes in Greater Comstock Township, and updated newer-construction homes within the Comstock Public Schools attendance footprint. Inventory at this level is thinner than in adjacent Richland or Gull Lake, but pricing is meaningfully more accessible — a practical advantage for move-up buyers who want a Kalamazoo-County address without paying lakefront-resort pricing. As your local mortgage expert, Edward keeps the lending and the buying on one schedule.
Financing note: Programme fit depends on build type and condition. Your loan officer matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Comstock Schools & Education
The community is anchored by Comstock Public Schools, with broader Kalamazoo County private and parochial options available and Western Michigan University located in adjacent Kalamazoo. District boundaries do not always follow township lines, and assignment is property-specific.
Comstock Public Schools
The public district serving most of the township, operating Comstock High School along with its feeder middle and elementary schools. The district is the primary draw for family buyers in the Comstock Public Schools Area and the Greater Comstock Township neighborhoods.
Because attendance boundaries cross municipal lines and adjust periodically, families targeting a specific school within the district should verify the exact assignment for any property under consideration before writing an offer. Edward confirms district boundaries and current attendance assignments during the buyer consultation, and walks through district-specific timelines (enrollment windows, transfer requests, and bus-route impacts) so buyers see the practical implications before committing to a neighborhood.
Private & Parochial Options
The broader Kalamazoo County area carries a meaningful set of private and parochial school options, most clustered in adjacent Kalamazoo and Portage. Daily drive time from the township to these alternatives generally falls within the 8-to-19-minute range that already defines local commute patterns.
Families considering private or parochial enrollment frequently weigh the trade-off of tuition cost against the closer walk-to-school convenience of the local public district. Edward walks through the practical commute timing for the specific schools a family is targeting so the school decision integrates with the home-search radius rather than fighting against it.
Higher Education — WMU
Western Michigan University is located in adjacent Kalamazoo, an eight-minute drive from most of the township. The university is a major regional employer and draws faculty, staff, graduate students, and university-affiliated researchers into the local housing market.
Kalamazoo Valley Community College and Kalamazoo College also operate within the metropolitan area. For buyers prioritizing higher-education access — whether as employees, as families with college-age children commuting from home, or as retirees wanting cultural-and-academic adjacency — the township offers a meaningful price-and-distance advantage over buying directly inside the city of Kalamazoo while keeping the same daily access.
School district boundaries cross municipal lines and assignments shift periodically. Confirm exact district assignment for any specific property with Edward — he verifies district and enrollment options as part of the buyer consultation.
Financing note: District lines move value street by street, and Edward Kalavitz prices from the appraised address rather than the mailing town. Ask your broker to confirm the district before you write the offer.
Cost of Living & Property Taxes in Comstock
One of the biggest advantages of Comstock Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Comstock.
18 mills
Removed by PRE
$55,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Comstock property taxes are calculated on a home’s taxable value — roughly 50% of market value in Michigan — multiplied by the local total millage rate (city or township + county + school + intermediate school district). Your exact tax depends on the specific property and jurisdiction within the Comstock area; Edward provides a precise estimate for any home you’re considering.
If the home is your primary residence, file the Michigan Principal Residence Exemption (PRE) — it removes 18 mills (the local school operating millage) from your tax bill. On an average-priced Comstock home, the PRE saves roughly $1,100 per year, typically 30–40% of total property taxes. The PRE is filed once at closing and stays in effect as long as you live in the home.
Cost Comparison
Michigan offers among the lowest costs of living in the Great Lakes region. Housing, property taxes, and — since the 2020 no-fault auto insurance reform — vehicle insurance all run below national averages, and Michigan has no local income tax in most jurisdictions. For buyers relocating from higher-cost metros, that combination means a given budget reaches noticeably further in Comstock than in comparable out-of-state markets.
Within Comstock, the real cost variable is neighborhood and property type rather than the city overall. Edward walks buyers through total monthly cost — mortgage, taxes, insurance, and utilities — for any specific Comstock home so the comparison is grounded in real numbers, not averages.
Financing note: Taxes and insurance are escrowed into the monthly payment and counted in your ratios, so your mortgage expert builds them in from the start rather than surprising you at closing.
Comstock Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Comstock Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Comstock home values continue to appreciate, outpacing the national average.
Low inventory
Current supply is well below a balanced market (typically 4–6 months), meaning demand significantly exceeds available homes.
Fast-moving market
Well-priced homes in desirable neighborhoods sell in under 2 weeks. Buyers need pre-approval ready.
Spring/summer peak
Historically, Comstock sees the strongest buyer activity from April through August.
New construction increasing
Developers are adding inventory in suburban areas, but supply still lags demand.
Financing note: Trends move faster than published averages, which is why your local loan expert reprices weekly. Edward can tell you what is actually closing in Comstock right now.
Comstock Michigan Mortgage Broker Loan Programs
Your loan officer offers the full range of Michigan mortgage programs for Kalamazoo County buyers. Edward compares all programs across multiple wholesale lenders to find your best fit.
🏠 Conventional Loans Featured
№ 01- As low as 3-5% down — about $8,250–$13,750 at Comstock’s average
- PMI drops automatically at 20% equity
- Best long-term structure for buyers with 620+ credit
- Wholesale rates from dozens of lenders compared simultaneously
🏡 FHA Loans Featured
№ 02- 3.5% down — approximately $9,625 at Comstock’s average of about $275,000
- Credit scores as low as 580 accepted
- Seller can contribute up to 6% toward closing costs
- Flexible income and debt-to-income guidelines
🌾 USDA Loans Option
№ 03- Zero down payment for qualifying Comstock-area rural addresses
- Below-market interest rates for income-eligible buyers
- Edward Kalavitz verifies eligibility at no cost
- Income limits apply — Edward reviews Kalamazoo County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Comstock properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium Kalamazoo County properties
🎖️ VA Loans — Zero Down for Comstock Veterans
№ 05- 0% down payment — no PMI ever required
- Available to veterans, active duty, and eligible surviving spouses
- Competitive rates that routinely outperform conventional options
- Edward is experienced with VA loan processing statewide
🔄 Refinance Options
№ 06- Rate-and-term refinance to reduce your monthly payment
- Cash-out refinance to access accumulated home equity
- Conventional, FHA Streamline, and VA IRRRL options available
- Edward calculates your break-even before recommending any refinance
📄 Bank Statement Loans
№ 07- 12-24 months of bank statements in place of tax returns
- Ideal for self-employed Comstock residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for Kalamazoo County investment property purchases
- No employment verification or tax returns required
🔧 Renovation Loans
№ 09- Finance purchase plus renovation costs in one loan
- FHA 203(k) and conventional renovation options available
- Ideal for older Comstock-area residential properties
🏦 MSHDA Down Payment Assistance
№ 10- Up to $10,000 in down payment help from the Michigan State Housing Development Authority
- Income limits apply and vary by household size and county
- Can be combined with FHA or Conventional financing on an eligible purchase
- Edward checks your eligibility at the consultation — before you shop, not after
🔄 FHA Streamline Refinance
№ 11- For homeowners who already hold an FHA loan — refinance without a new appraisal in most cases
- No income documentation and no new credit underwriting on the standard non-credit-qualifying path
- Requires a net tangible benefit — the refinance has to measurably improve your position
- Edward reviews whether your current FHA loan qualifies at no cost
Comstock Michigan Mortgage Broker — Your 5-Step Process
Your broker has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call your mortgage expert at (616) 633-3692 or apply online. Edward compares all programs simultaneously and identifies the best fit. Pre-approval letters are typically ready within 24 hours.
Step 2: House Hunting in Comstock
Pre-approval in hand, you evaluate Comstock properties with confidence. Your local loan expert can also serve as your licensed realtor — running live payment scenarios as you compare properties across Kalamazoo County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, Edward completes the formal loan application and locks your rate — comparing pricing across all wholesale lenders for your best available terms.
Step 4: Processing & Underwriting
Edward manages the complete pipeline — appraisal, title, underwriting submission, and clearance — keeping your Comstock transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Comstock
On closing day, your loan officer ensures every document is accurate and all fees are verified. You sign final documents and officially become a Comstock homeowner.
Edward’s Selling Advantage
Selling Your Home in Comstock
Selling a home in Comstock in 2026 rewards preparation. Accurate pricing from day one, professional presentation, and strategic timing are what separate listings that attract strong offers from those that linger on the market. Edward’s dual-license perspective — licensed Realtor and Mortgage Loan Originator — means he prices with both sides of the transaction in view, and can pre-qualify incoming buyers to keep your closing on track. As your local mortgage expert, Edward can answer this without a referral.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Comstock comps in your specific neighborhood, professional pricing strategy informed by 25+ years of Michigan real estate experience, MLS listing on the Edward’s statewide MLS network (Water Wonderland Association, Realcomp II Limited, Northern Great Lakes MLS, MiRealSource, MichRIC, and Greater Regional Alliance of REALTORS (GRAR)), professional photography and digital marketing, open house scheduling, offer negotiation, and full coordination through inspection, appraisal, and closing. Your loan officer can check this against today’s guidelines.
Most Comstock sellers find that listing in April through August captures the strongest buyer activity — but well-priced homes sell year-round in this market.
Edward’s dual license as both a Michigan Realtor (#6501386956) and Mortgage Loan Originator (NMLS #138424) gives sellers a meaningful advantage that single-licensed agents simply can’t match.
When offers come in, Edward immediately vets each buyer’s financing strength with a lender’s eye — flagging weak pre-approvals before you accept an offer that might fall through, identifying buyers whose lock periods are about to expire, and reducing the risk of a deal collapsing in underwriting two weeks before close. In a fast market like Comstock, fewer fall-throughs means faster, more certain closings.
Before you list, run the numbers. Edward’s Seller Net Sheet Calculator shows your estimated proceeds after agent commissions, title fees, transfer taxes, and remaining mortgage payoff — so you know exactly what you’ll walk away with before you sign a listing agreement. For a free home valuation and listing strategy consultation, call Edward at (616) 633-3692.
Financing note: Most Comstock sellers are buying again, and Edward Kalavitz can time the sale against the purchase. As your local mortgage expert, Edward runs both sides together so you see one number. You are never required to use your broker for the sale as well.
Why Choose This Comstock Michigan Mortgage Broker

Your mortgage expert brings over a quarter century of lending and real estate expertise to every Kalamazoo County transaction.
Edward compares Conventional + FHA across dozens of wholesale lenders simultaneously — ensuring every Comstock buyer gets the best available rate and program structure.
Edward Kalavitz
Edward’s Local Take on Comstock

Comstock is one of the more practical buys in Kalamazoo County. Twenty-five years working across this market, and here is what I tell buyers up front: most of the value is in the eight-minute Kalamazoo commute combined with township pricing, the Kalamazoo River and Morrow Lake giving real water character, and Comstock Public Schools serving as the family-buyer anchor.
There are five common priority profiles I see for buyers landing here. The right neighborhood depends on which one fits you — let me walk you through it.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Comstock Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Comstock Michigan real estate market but open to nearby communities? These cities are all within a short drive and offer different price points and neighborhood character — explore each one’s listings below.
What Clients Say About Working with Edward
These are verified Google reviews from Edward’s Google Business Profile. Edward is dual-licensed — Mortgage Loan Originator (NMLS #138424) and Michigan Realtor — so reviewers include both financing and real estate clients.
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
“Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a relator and lender, which was great to have “2 in1”. We were able to look at houses and run number the same day. He was very flexible with times we needed to set up showings, as well as very informative and organized with paperwork! I appreciate his expertise greatly!” Your local loan expert can tell you whether waiting changes anything.
“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!”
“Above and Beyond”
“Edward is a great relator and loan officer. He helped my fiance and I buy our first home. We called him back when we were ready to sell and buy our forever home. He again went above and beyond to make the process swift and easy. I recommend him to my friends and family who are looking into buying, selling or refinacing their home!” Worth asking Edward how this fits your down payment plan.
“Closing Came Sooner Than Anticipated”
“Edward was up front, professional and most helpful in first determining if I was a good candidate for a mortgage re-Fi. My case was Probably not the easiest, however, he made my “homework” manageable. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.”
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. My son passed away in 2018 and I had to sell his home. Edward alleviated some stress by being patient, organized and communicated thoroughly the entire process. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
Comstock Commute & Transportation
The township’s commute geography is built on Interstate 94 running east-west along the south side of the community, M-96 as a local connector, an eight-minute reach into Kalamazoo, and rail service (Amtrak passenger four miles west in downtown Kalamazoo, plus active freight rail through the township itself).
Interstate 94
Interstate 94 forms the southern spine of the township’s commute network, carrying east-west traffic between Detroit and Chicago and serving as the primary connector to Kalamazoo (west), Galesburg (east), Battle Creek (about 25 minutes), and Marshall (about 35 minutes). The corridor’s reliability and ease of access are the main reasons many buyers settle here rather than further out in Calhoun or Barry counties.
Kalamazoo Metro Access
An eight-minute drive places residents in downtown Kalamazoo — close enough that the Kalamazoo-Portage Metropolitan Area functions as a single labor market. This proximity anchors employment access at Western Michigan University, Bronson Methodist Hospital, Ascension Borgess Hospital, and the broader Kalamazoo employer base. Portage adds a 12-minute reach with major pharmaceutical and medical-device employment, broadening the practical commute footprint without changing the home address.
M-96 Access
M-96 provides a local east-west alternative to I-94, useful for trips that connect within the Kalamazoo metro rather than running long-distance interstate routes. The route adds redundancy on days when I-94 is congested or under construction — practical insurance for households where one or both commuters depend on predictable timing.
Regional Air Access
Kalamazoo / Battle Creek International Airport provides commercial air service from a drive of roughly 15 to 20 minutes via the I-94 corridor. Amtrak passenger rail is available four miles west in downtown Kalamazoo, providing direct service along the Chicago-Detroit corridor. Together, the airport and Amtrak give the township practical access to national travel without requiring a Grand Rapids or Detroit drive.
Financing note: Freeway access is a recognised location factor in the appraisal, and your loan officer sees it in the comparables. Edward Kalavitz will also fold the true cost of a longer commute into what you can carry.
Where Comstock Sits on the Map
Approximate drive times to other markets buyers commonly compare to Comstock. Times reflect typical non-rush conditions; commute hours add 15–30%.
Comstock Lifestyle, Entertainment & Recreation
Lifestyle in the township blends Kalamazoo-suburb convenience with genuine outdoor character: the Kalamazoo River flowing east to west across the community, Morrow Lake reservoir within the township boundaries, an established school-and-community identity, and quick access to the cultural amenities of adjacent Kalamazoo.
Kalamazoo Suburb Character
The community sits squarely within the Kalamazoo-Portage Metropolitan Area while keeping a distinct township identity. Day-to-day life draws on the cultural, dining, and event calendars of Kalamazoo — including university programming at Western Michigan and the arts venues of downtown Kalamazoo — while housing density, lot sizes, and traffic stay closer to township than city norms.
Kalamazoo River & Morrow Lake
The Kalamazoo River flows east to west through the center of the township, and includes Morrow Lake — the reservoir that the river forms within the township boundaries. Together they create a defining water feature for the community: roughly 1.9 of the township’s 35.3 total square miles are water. The river-and-lake presence shapes both inventory (waterfront and near-water homes) and lifestyle for residents who value water-adjacent living. Your broker can put a real figure to this rather than a range.
Comstock Public Schools Identity
The local district is a major identity anchor for year-round residents — Friday-night athletics, school-fundraiser events, and district calendars structure a meaningful share of the community calendar. For families with children in the district, this school-driven social fabric is a practical reason to favor the township over the broader anonymous-suburb option of moving directly into Kalamazoo.
I-94 Corridor Convenience
The I-94 corridor across the southern portion of the community is more than commute infrastructure — it shapes lifestyle by collapsing the distance to Battle Creek (25 minutes for Kellogg’s area cultural and event venues), Marshall (35 minutes for historic-district dining), and Grand Rapids (about 60 minutes for major concerts, sports, and air travel). The result is a township that punches well above its size in weekend-and-evening options. Ask your mortgage expert what this looks like on a monthly basis.
Financing note: Walkable amenities read as a resale strength, and your local loan expert counts that in the comparables.
Comstock Healthcare & Medical Facilities
Healthcare access for township residents is anchored by the Kalamazoo medical sector eight minutes west, with two major hospital systems, local outpatient and primary care, and tertiary referral to downstate academic centers.
Bronson Methodist Hospital — Kalamazoo
Bronson Methodist Hospital in adjacent Kalamazoo serves as the primary regional academic medical center for the area. The hospital and its outpatient network handle a wide range of inpatient, surgical, and emergency care. Drive time from most of the township is roughly eight minutes via the I-94 corridor — short enough that it functions as the practical default for both routine and acute care needs.
Ascension Borgess Hospital — Kalamazoo
Ascension Borgess Hospital, also in adjacent Kalamazoo, provides a second comprehensive hospital system option within the same eight-minute drive radius. The two-hospital structure of the Kalamazoo medical market gives township residents real choice in primary-care affiliations, specialist referrals, and insurance-network alignment — a meaningful advantage over single-hospital rural counties.
Local Outpatient & Primary Care
Outpatient clinics, urgent-care centers, and primary-care practices operate within the township and the immediately adjacent Kalamazoo and Portage corridors. For routine appointments, lab work, and non-emergency urgent issues, residents do not typically need to drive into the hospital campuses themselves. This local layer matters more than buyers initially expect — it shapes daily quality-of-life for families with young children and for retirees on regular appointment schedules.
Tertiary Referral — Major Academic Systems
For specialized tertiary and quaternary care, residents access the major Michigan academic systems — University of Michigan in Ann Arbor and the downstate Detroit Medical Center network. Both are reachable as day trips when referrals require it. The combination of strong local hospitals plus academic-tier referral access is one of the practical advantages of the Kalamazoo-metro location over more isolated parts of the state.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so Edward will show the payment your file qualifies for and the payment your household actually feels.
Comstock Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Comstock, Michigan?
The average home price in Comstock is about $275,000 — 22.4% below the Michigan statewide average. Your loan officer compares all programs to maximize your Kalamazoo County purchasing power.
QHow fast are homes selling in Comstock, Michigan?
Comstock averages 22 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Edward Kalavitz can confirm the current figure for your situation.
QHow much down payment do I need in Comstock?
FHA requires about $9,625 (3.5%) at Comstock’s average of about $275,000. Conventional starts at 3-5% down (about $8,250–$13,750). VA offers 0% down for qualifying veterans. Your broker reviews every option before finalizing your strategy.
QWhat are closing costs in Comstock?
Closing costs typically run 2-5% — approximately $5,200–$13,750 on a $275,000 Comstock home. See the closing costs guide. Edward provides a detailed Loan Estimate upfront. As your local mortgage expert, Edward answers this the day you ask.
QWhat credit score do I need to buy in Comstock?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Your mortgage expert reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Comstock?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Comstock transaction on schedule. Ask your local loan expert to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Comstock, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Comstock and all 83 Michigan counties through Private Mortgage Guarantee LLC (NMLS #2033317). Available Monday-Friday 8AM-8PM and Saturday-Sunday 9AM-8PM including every holiday. Edward will put this in writing on your Loan Estimate.
QIs Comstock, Michigan a good place to buy?
Comstock offers Kalamazoo County community character and a $275,000 average that is 22.4% below the Michigan statewide average — with Conventional + FHA financing accessible for a wide range of buyers. Your loan officer evaluates specific properties and programs for every buyer profile.
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Michigan Loan Programs for Comstock Buyers & Homeowners
As your Comstock mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options:
