Kimball Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Kimball, St. Clair County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Kimball, St. Clair County & all 83 Michigan counties
In This Guide
- Today’s Rates in Kimball
- Michigan Mortgage Advisor
- Meet Your Kimball Mortgage Broker
- About Kimball, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Kimball
- Buying in Kimball
- Selling in Kimball
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Kimball FAQ
- Available Hours
Mortgage Rates in Kimball
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 Kimball 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 Kimball 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 St. Clair 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. Kimball, Michigan is a St. Clair County community where average home prices of about $215,000 sit 39.3% 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 Kimball’s average of about $215,000 — down payments starting at 3-5% (about $6,450–$10,750) and the most flexible long-term structure for buyers with solid credit. FHA provides the credit-accessible alternative with just 3.5% down (about $7,525) for buyers earlier in their financial journey.
USDA rural development zero-down financing may also be available for some Kimball-area addresses verifies USDA eligibility for any address at no cost during the initial consultation.
With 100 homes sold in six months and a 30-day average market time, Kimball 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 St. Clair County market knowledge and 7-day availability including all holidays.
Kimball Michigan Mortgage Broker — First-Time Homebuyer Guide
With conventional financing starting at 3% down and FHA requiring about $7,525 at Kimball’s average of about $215,000 — 39.3% below the Michigan statewide average — Kimball 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 Kimball, Michigan
Kimball Township is a charter township in St. Clair County in Michigan’s Thumb region, with a 2020 census population of 9,609. The township covers 37.5 square miles — 37.2 square miles of land and a small water share of under one percent. ZIP code 48074 anchors the township, with the eastern edge sharing the 48060 Port Huron ZIP. The community sits inside the 810 area code and serves as a southern-suburban neighbor to the city of Port Huron, roughly fourteen minutes northeast. Worth asking your local loan expert how this fits your down payment plan.
Kimball developed in the 19th century as one of the civil townships organized across the western Thumb as St. Clair County built out its rural road grid and farm economy. The township grew slowly through the early 20th century, then steadily as Port Huron expanded southward and Interstate 94 brought freeway-grade access between Detroit and the Blue Water Bridge crossing. By the 2000 census, the population had reached 8,628 across 3,120 households, and the community continued to gain residents into the 2020 count of 9,609 — a pattern consistent with metro-edge townships absorbing demand from the adjacent core city. Edward can put a real figure to this rather than a range.
The local economy is shaped by three forces. First, the township operates as part of the Port Huron labor market — workers commute the short distance to the city, the riverfront, and the hospital systems. Second, the I-94 corridor brings warehousing, freight, and cross-border commerce tied to the Blue Water Bridge crossing into Canada. Third, the township retains a residential-rural mix across its 37 square miles, with single-family housing on larger parcels outside the denser core. The Port Huron Area School District is among the largest local employers. Ask your loan officer what this looks like on a monthly basis.
Neighborhood Guide · Kimball, MI
Kimball Neighborhoods
The township spreads across 37.5 square miles of mostly land in southwestern St. Clair County. Inventory ranges from older homes near the village core to newer subdivisions feeding the Port Huron Area School District and rural-residential parcels along the township’s outer roads. The descriptions below reflect general settlement patterns rather than formally platted subdivisions.
Kimball Village Core
The older central area of the township, where the road grid tightens and residential lots sit on a smaller footprint than the surrounding farm-belt parcels. Inventory in this pocket leans toward early-to-mid 20th-century single-family homes on compact lots, with a smaller share of newer infill. Buyers see a mix of updated and original-condition homes, and price points typically run below the outer subdivisions because lots and square footage are tighter. Edward Kalavitz can tell you if this is worth structuring differently.
Walkability: Walkable on a local scale — limited sidewalks, but short blocks and a compact community footprint. As your local mortgage expert, Edward will tell you plainly if it does not work.
Buyer fit: Common among buyers prioritizing the older community center character, a smaller-lot footprint, and proximity to township services. First-time buyers and downsizers find the entry-price homes here useful, particularly when paired with a Port Huron commute under fifteen minutes. Your broker can identify this before it becomes a condition.
Port Huron Area School District
Residential subdivisions sitting inside the Port Huron Area School District boundary — the public district that operates Port Huron Northern and Port Huron High. Housing in this band tends to be 1970s-through-2000s single-family construction on standard suburban lots, with sidewalks running through the newer subdivisions and ranch and colonial layouts dominating. Inventory turns over steadily because of school-driven demand. Lot sizes are larger than the village core but smaller than the rural outer parcels. Ask your mortgage expert to review this alongside your credit profile.
Walkability: Sidewalks throughout the newer subdivisions; school access is short-drive rather than walk-distance. Your local loan expert can tell you how sellers here typically handle it.
Buyer fit: Common among families prioritizing public-district enrollment, predictable subdivision layouts, and a short commute into Port Huron. The 2000 census recorded 35.6 percent of township households with children under 18, and these subdivisions remain the typical entry point for that buyer. This is where having a Kimball Michigan mortgage broker who knows the area helps.
I-94 Corridor
Residential parcels along the township’s slice of Interstate 94 — the freeway that carries traffic between Detroit, Port Huron, and the Blue Water Bridge into Sarnia, Ontario. Inventory leans toward single-family homes set back from the freeway on larger parcels, with quick interchange access trading off against road noise on the closest streets. The corridor also draws buyers who commute farther west toward New Haven, Richmond, and the Macomb County edge. Edward can confirm eligibility before you get attached to a house.
Walkability: Drive-oriented — the corridor’s value is freeway access, not pedestrian infrastructure. Ask your loan officer whether a different programme suits you better.
Buyer fit: Common among commuters who need fast east-west freeway access — Detroit metro to the southwest, Port Huron and the bridge to the northeast. Cross-border workers and long-distance commuters use this corridor heavily, and buyers willing to absorb freeway-edge tradeoffs get a price-per-square-foot discount versus the deeper subdivisions. Edward Kalavitz can talk this through in plain language.
Port Huron Adjacent Area
The eastern edge of the township, where the residential grid blends into the southern suburbs of Port Huron and the 48060 ZIP boundary. Housing here is a mix of older subdivisions and newer infill, with quick access into the city, the riverfront, and the local hospital systems. Lot sizes vary widely block-to-block, and the area sees steady turnover from buyers trading the Port Huron city limits for slightly larger lots and lower township-level service costs. As your local mortgage expert, Edward would want to see your figures first.
Walkability: Drive-oriented, with sidewalks in newer subdivisions; Port Huron retail is a short drive northeast. Your broker can tell you what changes and what does not.
Buyer fit: Common among Port Huron workforce buyers — hospital staff, school district employees, public-sector workers, and small-business owners who want a township address with the city next door. The 14-minute drive to downtown Port Huron and 12-minute reach to the Blue Water Bridge are the defining commute facts. Worth raising with your mortgage expert while you are still comparing homes.
Kimball Township Rural
The outer parcels of the township, where lot sizes step up and the road grid loosens. Inventory here includes older farmhouses, mid-century ranches on multi-acre lots, and newer custom builds on cleared parcels. Census data shows the township averaging 88.6 housing units per square mile in 2000 — well below the city of Port Huron — and the outer roads are where that density is lowest. Outbuildings, pole barns, and hobby-farm acreage are common. Your local loan expert can map this against what you want your payment to be.
Walkability: Drive-oriented rural roads; no sidewalk network outside the core subdivisions. Ask Edward to show you the trade-offs before you decide.
Buyer fit: Common among buyers prioritizing rural character within the township — larger lots, room for outbuildings, hobby farming, and quieter road frontage. Trade-off is a longer drive to retail, schools, and healthcare, with most amenities ten to fifteen minutes back toward Port Huron. Your loan officer can verify this rather than leaving you to guess.
Greater Kimball Township Residential
The broad single-family residential stock that fills the gaps between the village core, the I-94 corridor, and the rural outer parcels. Inventory crosses several construction eras — late 20th-century subdivisions, 1990s-2000s builds, and newer infill — and lot sizes run from quarter-acre subdivision plots up toward half-acre and larger as the road density drops. This pool absorbs most of the township’s typical-family-home demand. As your local mortgage expert, Edward can coordinate this with the purchase side.
Walkability: Sidewalks present in newer subdivisions; rural-edge blocks rely on shoulder walking. Edward Kalavitz can tell you where this sits relative to your goals.
Buyer fit: Common among year-round township residents — buyers who want the school district, the Port Huron commute, and a predictable single-family home without committing to either the village core or the deep rural outer parcels. Average household size of 2.74 in the 2000 census reflects this group’s family-oriented profile. Your broker can walk you through how this lands on your file.
Financing note: Value varies block by block here, and your mortgage expert prices the specific address rather than the postcode. Ask your local loan expert which pockets appraise most consistently.
Property Types in Kimball
Single-Family Homes
The core of the township housing stock is single-family detached homes, ranging from older village-core houses on compact lots through 1970s-through-2000s subdivision builds inside the Port Huron Area School District boundary and out to rural-edge parcels with larger acreage. Most family buyers in the township land in this category, with price typically tracking lot size, construction era, and school-attendance area more than any single feature. As your local mortgage expert, Edward reviews this line by line with you.
Condos & Townhouses
Attached-housing inventory is a smaller share of the local market — condos and townhouses appear in pockets across the township and along the Port Huron edge. This segment matters most for downsizers leaving larger family homes, single buyers entering the market, and buyers who want to skip exterior maintenance. Association fees, exterior reserves, and pet rules all vary widely by complex and are worth reviewing carefully before an offer. Ask Edward what this changes about your qualifying number.
New Construction
New-construction inventory in the township is driven by infill subdivision builds and custom homes on cleared rural parcels. Demand is anchored by Port Huron-corridor workforce buyers and families looking for a never-occupied home inside the public-school district. Timelines, allowance-versus-upgrade structure, and builder-financing options all need careful review — and the contract a builder hands you is rarely the contract you should sign without negotiation. A Kimball Michigan mortgage broker who also holds a real estate licence sees the whole transaction.
Investment Properties
The local rental market is supported by Port Huron-area workforce demand — hospital staff, school district employees, and trades workers who want a township address at rental price points. Investors look at single-family rentals in the school district, small multi-unit conversions near the village core, and the occasional duplex along the corridor toward Port Huron. Cap rates and rent assumptions need real local comps — not generic county averages. Your loan officer can show you where this sits in your budget.
Waterfront Homes
Census data shows roughly 0.3 square miles of inland water in the township — about 0.69 percent of the total area. True Great Lakes shoreline is not in the township itself but is reachable in a short drive northeast along the St. Clair River and Lake Huron coast. Inside the township, water-adjacent inventory tends to be smaller-lake or pond-frontage parcels rather than open-lake shoreline. Bring this up with Edward Kalavitz before you write an offer.
Luxury Homes
The higher-end inventory in the township concentrates on larger-lot rural-residential properties, custom builds on cleared parcels, and the upper end of the I-94 corridor and school-district subdivisions. This price band typically buys more lot, more square footage, and more outbuilding capacity than equivalent-price homes inside Port Huron city limits, which is a regular reason luxury buyers cross the township line. Your broker works from current figures, not last quarter’s.
Financing note: Programme fit depends on build type and condition. Your mortgage expert matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Kimball Schools & Education
Public-school enrollment in Kimball Township is anchored by the Port Huron Area School District, with private and parochial options drawn from the broader St. Clair County area and post-secondary options anchored by St. Clair County Community College. District assignments cross municipal lines — buyers verify the exact school for any specific address before closing.
Port Huron Area School District
The public district that serves Kimball Township operates Port Huron Northern High School and Port Huron High School at the secondary level, along with a network of elementary and middle schools across the district’s footprint. The district draws students from Port Huron, the surrounding townships, and the southern suburban communities along I-94. Programming covers the standard public-school spectrum — academic tracks, career-and-technical pathways, athletics, and arts. Exact elementary and middle-school assignment depends on the property’s address inside the district boundary, and the district publishes attendance maps that families consult during the home search. As your local mortgage expert, Edward can put this in writing for a seller.
Private & Parochial Options
Outside the public district, the broader St. Clair County and Port Huron area supports a slate of private and parochial schools — including Catholic-tradition options affiliated with the local diocese and several smaller independent schools. Most families in the township who choose private education commute into Port Huron or nearby communities for their school of choice. Tuition, enrollment requirements, and transportation arrangements vary by school, and several private programs run waitlists. Edward connects buyers to the active private-school list as part of the home-search process when education plays a role in the address decision. Your local loan expert can tell you quickly whether this is a factor for you.
Higher Education — St. Clair County Community College
St. Clair County Community College anchors local higher-education access from its main Port Huron campus, a roughly 15-minute drive from most points in the township. The college offers two-year associate degrees, technical and trade certificates, and transfer pathways into four-year universities across Michigan. The campus is a useful resource for high-school graduates pursuing an in-county start to college, working adults returning for certificates, and residents pursuing skilled-trade credentials. Four-year university options sit further out — the University of Michigan in Ann Arbor at 90 minutes and Michigan State in East Lansing at 103 minutes. This is the kind of detail Edward should raise before you commit.
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 your loan officer prices from the appraised address rather than the mailing town. Ask Edward Kalavitz to confirm the district before you write the offer.
Cost of Living & Property Taxes in Kimball
One of the biggest advantages of Kimball Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Kimball.
18 mills
Removed by PRE
$68,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Kimball 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 Kimball 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 Kimball home, the PRE saves roughly $1,300 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 Kimball than in comparable out-of-state markets.
Within Kimball, 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 Kimball 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 broker builds them in from the start rather than surprising you at closing.
Kimball Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Kimball Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Kimball 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, Kimball 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 mortgage expert reprices weekly. Your local loan expert can tell you what is actually closing in Kimball right now.
Kimball Michigan Mortgage Broker Loan Programs
Edward offers the full range of Michigan mortgage programs for St. Clair 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 $6,450–$10,750 at Kimball’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 $7,525 at Kimball’s average of about $215,000
- 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 Kimball-area rural addresses
- Below-market interest rates for income-eligible buyers
- Your loan officer verifies eligibility at no cost
- Income limits apply — Edward reviews St. Clair County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Kimball properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium St. Clair County properties
🎖️ VA Loans — Zero Down for Kimball 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 Kimball residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for St. Clair 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 Kimball-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
Kimball Michigan Mortgage Broker — Your 5-Step Process
Edward Kalavitz has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call your broker 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 Kimball
Pre-approval in hand, you evaluate Kimball properties with confidence. Your mortgage expert can also serve as your licensed realtor — running live payment scenarios as you compare properties across St. Clair County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, your local loan expert 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 Kimball transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Kimball
On closing day, Edward ensures every document is accurate and all fees are verified. You sign final documents and officially become a Kimball homeowner.
Edward’s Selling Advantage
Selling Your Home in Kimball
Selling a home in Kimball 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. Worth a conversation with your local loan expert before you tour homes.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Kimball 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. Edward can tell you what a lender will actually count here.
Most Kimball 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 Kimball, 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 Kimball sellers are buying again, and your loan officer 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 Edward Kalavitz for the sale as well.
Why Choose This Kimball Michigan Mortgage Broker
Your broker brings over a quarter century of lending and real estate expertise to every St. Clair County transaction.
Edward compares Conventional + FHA across dozens of wholesale lenders simultaneously — ensuring every Kimball buyer gets the best available rate and program structure.
Edward Kalavitz
Edward’s Local Take on Kimball
I’ve worked the St. Clair County corridor — Port Huron, the southern suburbs, the I-94 freeway belt, and the Thumb-region townships — for more than two decades. Kimball is a township I send the right buyer to often: school-district demand stays steady, the Port Huron commute is genuinely short, and you still get township-scale lots without driving thirty minutes to a grocery store. Here’s how I help buyers think about the township by priority, ranked the way I’d actually advise a client at the kitchen table. Ask Edward how this reads on a real loan estimate.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Kimball Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Kimball 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 mortgage expert can explain how underwriting treats this.
“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!”
“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!”
Kimball Commute & Transportation
Commuting from Kimball Township revolves around Interstate 94 east-west, the short reach into Port Huron, the Blue Water Bridge crossing into Canada, and a Detroit-metro drive of just under an hour. The freeway grid does the heavy lifting — most major destinations connect through I-94.
Interstate 94
Interstate 94 runs through the township and provides the primary east-west freeway. Westbound, the route reaches the Detroit metro in roughly an hour and continues toward Ann Arbor (90 minutes), Lansing via connecting freeways, and ultimately Chicago at the far end. Eastbound, the freeway terminates at the Blue Water Bridge crossing into Sarnia, Ontario. This makes the corridor useful both for daily Detroit-direction commuters and for cross-border commerce tied to the bridge. Ask your local loan expert what documentation this will require.
Port Huron Access
Port Huron sits roughly fourteen minutes northeast of the township across an 8.4-mile road distance. The city anchors the local labor market — hospital systems, school district headquarters, public-sector employers, the riverfront, and the retail spine all sit inside Port Huron’s footprint. Most township residents work, shop, and access medical care inside this radius, and the short drive means a single trip can usually cover several errands at once.
Blue Water Bridge Access
The Blue Water Bridge crossing into Sarnia, Ontario sits a roughly 12-minute drive northeast of the township and provides one of Michigan’s two major Canada border crossings. The bridge matters for cross-border workers, families with relatives in Ontario, and freight-related employment tied to the international corridor. NEXUS and FAST lanes speed regular crossings for residents who hold approved credentials, and the bridge is a practical asset for households with bi-national ties. Edward can tell you if this affects your timeline at all.
Detroit Metro Access
Detroit sits 54 minutes south via I-94 across roughly 57 road miles, putting the metro inside a reasonable one-way commute for residents whose employers are in the Detroit area. Detroit Metropolitan Airport (DTW) is the usual flying option, accessed via I-94 west through the metro. Ann Arbor reaches 90 minutes, Lansing 103 minutes — meaning the southern Michigan triangle is reachable as a same-day round trip for the right kind of work or appointment. As your local mortgage expert, Edward keeps the lending and the buying on one schedule.
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 Kimball Sits on the Map
Approximate drive times to other markets buyers commonly compare to Kimball. Times reflect typical non-rush conditions; commute hours add 15–30%.
Kimball Lifestyle, Entertainment & Recreation
Day-to-day life in Kimball Township blends a school-district-anchored family identity with the rural-residential character of a 37-square-mile township and the lifestyle benefits of sitting next to a Great Lakes shipping city. Weekend activity typically pulls toward the Port Huron waterfront, the I-94 retail corridor, and the outdoor recreation that the Thumb region supports.
Port Huron Area School District Identity
The public district’s footprint shapes the family-housing identity of the township. School events, district athletics, and neighborhood-to-school proximity drive much of the weekly schedule for households with children — and the 2000 census captured 62.1 percent of households as married-couple families with an average household size of 2.74, a pattern consistent with the family-housing identity that the district reinforces.
I-94 Corridor Lifestyle
The freeway corridor brings retail, food, and freight-related employment into reach. National retailers, restaurants, and big-box stores cluster along the I-94 spine on the way into Port Huron, and weekday commuters fold errands into the drive home. The corridor also opens up weekend travel — Detroit-area events, day trips to Ann Arbor, and farther destinations are all freeway-direct rather than two-lane drives.
Port Huron Metro Southern-Suburb Character
The township operates as a southern suburb of Port Huron — close enough that the city’s waterfront, restaurants, medical centers, and St. Clair County Community College are short-drive amenities, but far enough out that residents pay township-rate property taxes and live on township-scale parcels. This trade is the core lifestyle pitch for the area, and it tracks with the gradual population growth from 8,628 in 2000 to 9,609 in 2020. Your broker can confirm the current figure rather than an estimate.
St. Clair County Rural-Residential Character
Outside the village core and the school-district subdivisions, the township feels rural — quieter roads, larger lots, room for outbuildings and hobby farming, and a slower pace than the city next door. The 37 square miles include 0.3 square miles of inland water (under one percent), and the broader St. Clair County area opens up further outdoor recreation, including the St. Clair River corridor and Lake Huron shoreline a short drive northeast. Bring your questions on this to your mortgage expert early in the process.
Financing note: Walkable amenities read as a resale strength, and your local loan expert counts that in the comparables.
Kimball Healthcare & Medical Facilities
Healthcare access for Kimball Township residents is anchored by the two Port Huron hospital systems a short drive northeast — McLaren Port Huron and Lake Huron Medical Center — backed by local outpatient and primary-care practices and tertiary referral to the major academic systems in metro Detroit and Ann Arbor.
McLaren Port Huron
McLaren Port Huron sits roughly ten minutes northeast of the township and serves as a regional full-service hospital — covering emergency care, surgical services, inpatient admissions, and a range of specialty outpatient services. The McLaren system also operates a network of physician practices across St. Clair County, which means primary-care and specialty referrals stay inside one health-system network for most township residents who choose McLaren as their home hospital.
Lake Huron Medical Center – Port Huron
Lake Huron Medical Center provides a second hospital option in Port Huron — emergency services, inpatient care, and a roster of specialty programs. Having two hospital systems inside a fifteen-minute drive is useful for the township’s population because it gives residents a real choice on insurance network, physician affiliation, and specialty programs rather than the single-hospital reality common to rural Thumb-region communities further inland.
Local Outpatient & Primary Care
Outside the two hospitals, the township and the surrounding Port Huron area host a network of primary-care practices, urgent-care clinics, dental and vision providers, and outpatient specialty offices. Most routine care — annual physicals, pediatric visits, urgent care for minor injuries — is handled at this level without a trip to a hospital campus. Buyers moving into the township usually establish primary care within the first few months, and most local practices accept the major Michigan insurance plans. Edward can show you the difference in real dollars.
Tertiary Referral — Major Academic Systems
For high-complexity and specialty care beyond what the local hospitals offer, residents draw on the major academic systems an hour or two south and west — Beaumont Health and Henry Ford Health in metro Detroit and Michigan Medicine at the University of Michigan in Ann Arbor (90 minutes). This tertiary access matters most for oncology, transplant, complex cardiac, neurosurgery, and pediatric subspecialty care that justifies the drive.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so your loan officer will show the payment your file qualifies for and the payment your household actually feels.
Kimball Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Kimball, Michigan?
The average home price in Kimball is about $215,000 — 39.3% below the Michigan statewide average. Edward Kalavitz compares all programs to maximize your St. Clair County purchasing power.
QHow fast are homes selling in Kimball, Michigan?
Kimball averages 30 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Your broker can confirm the current figure for your situation.
QHow much down payment do I need in Kimball?
FHA requires about $7,525 (3.5%) at Kimball’s average of about $215,000. Conventional starts at 3-5% down (about $6,450–$10,750). VA offers 0% down for qualifying veterans. Your mortgage expert reviews every option before finalizing your strategy.
QWhat are closing costs in Kimball?
Closing costs typically run 2-5% — approximately $5,200–$10,750 on a $215,000 Kimball 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 Kimball?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Your local loan expert reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Kimball?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Kimball transaction on schedule. Ask Edward to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Kimball, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Kimball 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. Your loan officer will put this in writing on your Loan Estimate.
QIs Kimball, Michigan a good place to buy?
Kimball offers St. Clair County community character and a $215,000 average that is 39.3% below the Michigan statewide average — with Conventional + FHA financing accessible for a wide range of buyers. Edward Kalavitz evaluates specific properties and programs for every buyer profile.
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Michigan Loan Programs for Kimball Buyers & Homeowners
As your Kimball mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options: