Contact Mortgage Broker Michigan
Ready to contact mortgage broker Michigan families trust? I’m Edward Kalavitz — a licensed Michigan mortgage broker and Realtor with 25+ years of experience, available 7 days a week including every holiday.
Contact Mortgage Broker Michigan Families Trust
Edward Kalavitz
NMLS #138424
Licensed Mortgage Broker & Realtor
25+ Years Michigan Experience
When you contact mortgage broker Michigan expert Edward, you get a real person — not a voicemail or call center. Available evenings, weekends, and every holiday of the year.
Call or Text
(616) 633-3692The fastest way to contact mortgage broker Michigan expert Edward. Calls and texts answered throughout the day and evening, 7 days a week.
Send your pre-approval questions anytime. Typical response within 2 hours during business hours.
Office Hours
| Monday – Friday | 8:00 AM – 8:00 PM |
| Saturday – Sunday | 9:00 AM – 8:00 PM |
| Holidays | Available! |
Evening & weekend appointments available
Send a Message
Contact mortgage broker Michigan expert Edward Kalavitz using the form below. Response within 24 hours — often much sooner!
Why Contact Mortgage Broker Michigan Expert Edward Kalavitz?
When you contact mortgage broker Michigan specialist Edward Kalavitz, you’re not reaching a call center, an automated phone tree, or a junior processor. You’re speaking directly with a licensed professional who has spent over 25 years helping Michigan families navigate every step of the home loan process — from the very first question all the way through closing day.
What makes working with Edward different is the combination of access and expertise that no bank or online lender can match. Unlike big banks with rigid 9-to-5 hours and just their own product lineup, Edward is available when your life actually allows — weekday evenings after work, Saturday morning before an open house, Sunday afternoon after you’ve toured homes, and yes, even on holidays. He answers calls, responds to texts, and replies to emails because being accessible is a core commitment to every client he serves.
When you contact mortgage broker Michigan expert Edward Kalavitz, you also benefit from his unique dual licensing. Since 2015, Edward has been both a licensed Mortgage Loan Originator (NMLS #138424) and a Michigan Realtor through Turnkey Realty LLC. This means one conversation can cover both the property search and the financing — saving you hours of coordination between separate professionals.
As an independent mortgage broker rather than a bank loan officer, Edward also shops your loan across multiple wholesale lenders. This means he’s working to find you the lowest rate and best terms available in the marketplace — not just pushing you toward whatever product his employer wants to sell. When you contact mortgage broker Michigan expert Edward, you get a professional who is working in your corner.
Direct Access — No Call Centers
When you contact mortgage broker Michigan expert Edward, you reach him directly. No hold music, no callbacks from strangers, no automated systems between you and real answers.
7 Days — Including Holidays
Available Monday–Friday 8 AM–8 PM and Saturday–Sunday 9 AM–8 PM. Edward is also available every holiday, when most lenders and banks are closed.
Pre-Approvals in 24 Hours
After you contact mortgage broker Michigan expert Edward and submit your documents, most pre-approvals are completed within 24 hours.
Multiple Lender Access
Your loan is shopped across multiple wholesale lenders to find the best rates and terms — something no single bank can ever offer you.
Dual-Licensed Advantage
As both a mortgage broker and licensed Realtor, Edward can help you find the right property AND secure the best financing — a genuine one-stop advantage.
All 83 Michigan Counties
Contact mortgage broker Michigan specialist Edward for licensed service statewide — from Grand Rapids to the Upper Peninsula.
The conversation is always free, and there is never any obligation to proceed after the first call. Whether you have a quick question about credit score requirements, want to explore down payment assistance programs, or are ready to start a formal pre-approval today — every inquiry is welcome. When you contact mortgage broker Michigan expert Edward Kalavitz, he’s ready to help you move forward with confidence. Thousands of Michigan families have trusted Edward with one of the biggest financial decisions of their lives. That trust is earned one honest conversation at a time — and yours starts the moment you reach out.
What Happens After You Contact Mortgage Broker Michigan Expert Edward?
Same-Day Response
Calls and texts are answered the same day. Form submissions receive a response within 24 hours — usually within a few hours on business days.
Free Consultation
Edward reviews your goals, budget, and timeline, then explains which loan programs fit your situation. No pressure, no obligation — just clear, honest information.
Pre-Approval in 24 Hours
Once you submit your application and documents, Edward shops multiple lenders and delivers your pre-approval letter — typically within 24 hours.
Shop with Confidence
Armed with your pre-approval, you can make strong offers. Edward stays available throughout your home search to answer questions and update letters as needed.
Smooth Closing
Edward coordinates with your agent, title company, and underwriter to keep your closing on track. You’ll know exactly what’s happening at every stage of the mortgage process.
Ongoing Support
The relationship doesn’t end at closing. Edward offers a free annual mortgage review to ensure you always have the best rate and terms available.
Visit Our Grand Rapids Office
Contact mortgage broker Michigan expert Edward at our Grand Rapids office at 2169 Wealthy St SE, or schedule a virtual consultation from anywhere in Michigan.
Serving: Grand Rapids, Holland, Kalamazoo, Muskegon, Battle Creek, and all 83 Michigan counties
What to Have Ready When You Contact Mortgage Broker Michigan Expert Edward
You don’t need a thick folder of documents to contact mortgage broker Michigan expert Edward Kalavitz for the first time. The initial conversation is simply about understanding your situation and goals. That said, having a few pieces of basic information handy will allow Edward to give you more specific guidance right away.
Purchase Price or Loan Balance
If you’re buying, an approximate target price range. If you’re refinancing, your current loan balance and estimated home value.
Credit Score Range
An approximate credit score helps Edward identify which loan programs you qualify for and what rate range to expect. Even a rough estimate is helpful.
Employment Status
Whether you’re a W-2 employee, self-employed, retired, or a veteran affects which programs apply. Self-employed borrowers have dedicated options.
Down Payment Available
How much you have available for a down payment determines whether FHA, VA, USDA, or Conventional is the best starting point.
Your Timeline
Are you buying in the next 30 days or exploring options for 6 months from now? Your timeline shapes everything from rate lock strategy to how urgently to start the pre-approval process.
Your Questions
There are no bad questions when you contact mortgage broker Michigan expert Edward. Whether it’s about debt-to-income ratios, closing costs, or how the process works — bring everything.
Remember: you don’t need to have everything perfectly organized before you contact mortgage broker Michigan expert Edward Kalavitz. Many clients start with nothing more than a question or a goal. Edward’s job is to meet you exactly where you are and build a clear, actionable plan from there.
💬 See Real Michigan Mortgage Rates Before You Call
Before you contact mortgage broker Michigan expert Edward, explore real FHA, VA, USDA, and Conventional rates by credit score — no credit pull required, no obligation.
Launch Mortgage Advisor → Talk to Edward Instead🏠 Know Your Numbers Before You Contact Us
Check what your home is worth or how much you can afford — built using real Michigan MLS data from 281 ZIP codes.
Check Home Value → Affordability Calculator →📋 Ready for Your Pre-Approval Letter?
Get a free Michigan pre-approval letter instantly or apply through the secure portal. FHA, VA, USDA, and Conventional — no credit pull required.
Get Pre-Approval Letter → Apply Now →Michigan Communities Where You Can Contact Mortgage Broker Michigan Expert Edward
Edward Kalavitz is licensed to originate mortgages in all 83 Michigan counties. Below are some of the communities he serves most frequently. If your city isn’t listed, don’t worry — contact mortgage broker Michigan expert Edward directly and he can confirm service in your area and provide local market data right away.
No matter where you are in Michigan, getting a mortgage starts with a conversation. When you contact mortgage broker Michigan specialist Edward Kalavitz, he’ll walk you through the local market data, explain which loan programs are the best fit for your target area, and outline exactly what to expect throughout the process. Buyers in rural Michigan communities often qualify for USDA zero-down financing that many lenders don’t proactively discuss. Veterans statewide can use their VA home loan benefit with no down payment and no monthly PMI. And first-time buyers across every Michigan county can access down payment assistance programs that can significantly reduce the upfront cost of homeownership.
One of the most important advantages when you contact mortgage broker Michigan expert Edward is his knowledge of local market conditions that goes well beyond the mortgage itself. As a licensed Realtor, Edward has hands-on experience with how homes are priced and negotiated in different Michigan markets. That perspective helps him structure your financing in a way that gives you the strongest possible position when you’re ready to make an offer — whether you’re buying in a fast-moving urban market or a more relaxed rural one.
From closing costs to credit score requirements, from current rates to specialty products like self-employed mortgages, renovation loans, and DSCR investor loans — every question is welcome when you contact mortgage broker Michigan expert Edward Kalavitz. View all 83 Michigan service areas.
Frequently Asked Questions
How do I contact mortgage broker Michigan expert Edward Kalavitz?
You can contact mortgage broker Michigan expert Edward Kalavitz multiple ways: call or text (616) 633-3692, email edward@mortgage-and-real-estate-help.com, or use the contact form above. He is available 7 days a week including all holidays — a level of accessibility most mortgage professionals simply don’t offer.
What hours can I contact mortgage broker Michigan expert Edward?
Edward Kalavitz is available Monday through Friday 8 AM to 8 PM and Saturday and Sunday 9 AM to 8 PM — including every holiday of the year. Whether you need help on a weekday evening after work, Saturday morning before an open house, or a Sunday afternoon after touring homes, he is available to take your call and answer your questions in real time.
What should I have ready when I contact mortgage broker Michigan?
It helps to have your estimated purchase price or current loan balance, approximate credit score, employment status, and down payment amount. That said, don’t let missing details stop you from reaching out. When you contact mortgage broker Michigan expert Edward, he will walk you through everything you need step by step during the mortgage process. Many borrowers start with nothing more than a goal — Edward builds the action plan from there. The free Mortgage Advisor and DTI calculator on this site can also help you gather useful baseline numbers before the first conversation.
How quickly will I hear back after I contact mortgage broker Michigan?
Calls and texts receive a response within 2 hours during business hours. Form submissions are typically answered within 24 hours — often the same day. With extended hours 7 days a week including evenings until 8 PM, you won’t be left waiting. Unlike big banks with automated systems, you’ll communicate directly with Edward from the first contact all the way through closing.
Does it cost anything to contact mortgage broker Michigan expert Edward Kalavitz?
No — all consultations and pre-approvals are completely free. As a mortgage broker, Edward is typically compensated by the lender at closing rather than by the borrower. There is never any pressure or obligation after an initial conversation. You can also use the free pre-approval letter tool or the Mortgage Advisor on this site before you even pick up the phone.
What loan programs can I ask about when I contact mortgage broker Michigan?
Every major loan program is available: FHA loans (3.5% down), VA loans (0% down for veterans), USDA loans (0% down for eligible rural areas), Conventional loans, Jumbo loans, refinancing, self-employed mortgages, DSCR investor loans, and more. View the full Michigan loan programs page for details on every option.
What areas are served when I contact mortgage broker Michigan?
Edward Kalavitz is licensed to serve all 83 Michigan counties. His primary focus is West Michigan including Grand Rapids, Kalamazoo, Holland, Muskegon, Portage, and Battle Creek. Service extends statewide — Metro Detroit, Lansing, Flint, Traverse City, and the Upper Peninsula.
What Michigan Clients Say
“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
“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!” Ask your Michigan mortgage broker to sanity-check the numbers you have been quoted.
— Mallory Anderson | First-Time Homebuyer | Google Review
“Above and Beyond — Twice”
“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!”
— Anthony Smolenski | Repeat Client | Google Review
“Up Front, Professional and Most Helpful”
“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 .”
— 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. 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!”
— Paula Hilliard | Google Review
Helpful Mortgage Resources
Explore these guides before or after you contact mortgage broker Michigan expert Edward:
Ready to Contact Mortgage Broker Michigan Expert Edward Kalavitz?
With 25+ years of experience, dual licensing as both a mortgage broker and Realtor, and availability 7 days a week including holidays, Edward provides the personalized service that big banks simply can’t match. When you contact mortgage broker Michigan specialist Edward Kalavitz, you get a licensed expert who answers your calls — not a call center.
Edward Kalavitz | NMLS #138424 | Private Mortgage Guarantee LLC | NMLS #2033317
2169 Wealthy St SE, Grand Rapids, MI 49506 | (616) 633-3692 | edward@mortgage-and-real-estate-help.com
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