Michigan Mortgage Broker — All 83 Counties, 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Licensed Michigan Mortgage Broker · Private Mortgage Guarantee LLC NMLS #2033317 | Licensed Michigan Realtor #6501386956 · Turnkey Realty LLC
Your dedicated Michigan mortgage lender and broker offering FHA, VA, USDA, Conventional, and Jumbo loan programs across all 83 Michigan counties — with 7-day availability including every holiday.
📋 Michigan Mortgage Broker — Quick Navigation
Meet Your Michigan Mortgage Broker — Edward Kalavitz
When Michigan homebuyers want expert lending guidance and a responsive, experienced professional who truly understands the Michigan real estate market, they turn to Edward Kalavitz — your dedicated loan officer with over 25 years of mortgage and real estate expertise. Whether you are buying your first home in Grand Rapids, a lakefront property near Traverse City, or relocating anywhere across the state, your Michigan mortgage lender has the right loan program and the wholesale rate access to make it happen.
As both a licensed mortgage broker (NMLS #138424) and a licensed Michigan realtor (#6501386956), your mortgage lender delivers a seamless dual-service advantage — one professional handles both your financing strategy and your real estate guidance from pre-approval through closing day. That means no coordination delays, live payment analysis on every property you consider, and a single trusted point of contact from start to finish.
Conventional financing is the most popular program for Michigan homebuyers with solid credit — competitive rates, down payments starting at 3%, and PMI that drops automatically at 20% equity. FHA is the credit-accessible choice with just 3.5% down and flexible guidelines starting at 580 credit score. VA delivers zero down payment and no monthly mortgage insurance for eligible Michigan veterans and active duty service members. USDA offers zero down financing for homes in eligible rural and suburban Michigan areas — your Michigan mortgage broker checks eligibility for every address at no cost. Jumbo financing is available for higher-priced Michigan properties above the $806,500 conforming loan limit.
Michigan’s statewide average sold price of $354,396 puts most Michigan homes well within conventional and FHA loan limits — giving buyers across all 83 counties access to the full range of programs. Your local mortgage lender compares all available programs across 12+ wholesale lenders before recommending any strategy, ensuring you get the best rate and terms for your specific situation.
Your mortgage expert 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 to get started. Pre-approval letters are typically ready within 24 hours.
🏡 Why Michigan Buyers Choose This Michigan Mortgage Broker
Edward Kalavitz holds both a mortgage broker license (NMLS #138424) and Michigan realtor license (#6501386956). As your Michigan mortgage lender and broker, Edward delivers wholesale rates from 12+ lenders, expertise across all five major loan programs, and dual financing and real estate guidance from one experienced professional. 25+ years of Michigan market knowledge and 7-day availability including all holidays — statewide.
Michigan Mortgage Broker — Statewide Market Intelligence
Michigan Market Overview — What Your Mortgage Broker Tracks in 2026
Michigan’s statewide average sold price of $354,396 reflects the diversity of the state’s housing market — from entry-level communities in the thumb and Upper Peninsula to premium lakefront markets in Traverse City, East Grand Rapids, and the Lake Michigan shoreline. Your loan officer tracks real GRAR FlexMLS data across all 201 Michigan cities and 53 counties covered by the dataset to give you accurate, local market intelligence for wherever you are buying.
The 2026 conforming loan limit of $806,500 means the vast majority of Michigan purchases fall within conventional loan eligibility — giving buyers access to competitive rates, flexible down payment options, and automatic PMI removal at 20% equity. For properties above that threshold, jumbo financing is available through specialized wholesale lenders. Your Michigan mortgage lender compares all programs at no cost and can have a pre-approval letter ready within 24 hours. Call (616) 633-3692 to start today.
Michigan’s housing market includes everything from active seller’s markets in metro Grand Rapids and Detroit to balanced and buyer-friendly conditions in smaller communities across the U.P. and rural lower Michigan. Understanding local market conditions is critical to structuring the right financing strategy — and your mortgage lender brings that local knowledge to every transaction statewide.
How Michigan’s Major Markets Compare
Estimated Monthly Payments at Michigan’s Statewide Average ($354,396)
Your Michigan mortgage broker provides these approximate estimates to help you plan. The right program depends on your credit score, down payment, and financial goals — Edward compares all options to find your best rate. Use the mortgage calculator for a personalized breakdown.
Michigan Mortgage Broker Loan Programs
Your local mortgage lender offers the full range of Michigan mortgage programs for buyers and homeowners statewide. Edward compares all programs across multiple wholesale lenders to find the best fit for your goals, credit profile, and down payment. All five major programs are available for purchase and refinance throughout all 83 Michigan counties.
🏠 Conventional Loans — Michigan Mortgage Broker Featured
- Down payments starting at just 3% for first-time buyers
- Loan limits up to $806,500 in most Michigan counties
- PMI drops automatically at 20% equity — no refinance required
- Best long-term structure for buyers with 620+ credit scores
- Fixed and adjustable-rate options available statewide
🏡 FHA Loans — Michigan Mortgage Broker Featured
- Just 3.5% down — approximately $12,404 at Michigan’s average price
- Credit scores as low as 580 accepted — as low as 500 with 10% down
- Seller can contribute up to 6% toward closing costs
- Most popular program for first-time Michigan homebuyers
- Your mortgage expert compares FHA against conventional for every buyer
🎖️ VA Loans — Zero Down for Michigan Veterans
- 0% down payment — no PMI ever required
- Available to veterans, active duty, and eligible surviving spouses
- Competitive rates that consistently outperform conventional options
- Available statewide across all 83 Michigan counties
🌾 USDA Loans — Zero Down for Rural Michigan
- 0% down payment for eligible rural and suburban Michigan properties
- Below-market interest rates for qualifying borrowers
- Many Michigan communities outside major cities qualify
- Your Michigan mortgage lender and broker verifies USDA eligibility at no cost
💎 Jumbo Loans — Premium Michigan Properties
- Financing above the $806,500 conforming loan limit
- Competitive wholesale jumbo rates from specialized lenders
- Available for lakefront, luxury, and high-value Michigan properties
- Your loan officer shops all jumbo lenders for best pricing
🔄 Refinance — Michigan Mortgage Broker Options
- Rate-and-term refinance to reduce your monthly payment
- Cash-out refinance to access your accumulated home equity
- FHA Streamline and VA IRRRL options for existing government loans
- Edward calculates your break-even before recommending any refinance
Michigan Mortgage Broker — Specialty Programs
Your Michigan mortgage lender provides specialty lending solutions for self-employed buyers, investors, and borrowers with non-traditional income profiles. These non-QM programs serve Michigan buyers who fall outside standard underwriting guidelines — programs most banks simply do not offer.
📄 Bank Statement Loans
- 12–24 months of bank statements in place of tax returns
- Ideal for self-employed Michigan buyers and business owners
- Available for purchase and refinance transactions statewide
- Edward specializes in self-employed mortgage lending across Michigan
📊 DSCR Loans — Michigan Investment Properties
- Qualify based on rental income — not personal income
- No employment verification or personal tax returns required
- Ideal for Michigan investment property purchases statewide
- Edward structures investor deals for maximum cash flow
🔧 Renovation Loans
- Finance purchase plus renovation costs in one Michigan mortgage
- FHA 203(k) and conventional renovation options available
- Ideal for older Michigan properties needing updates
- Edward manages renovation financing from application to close
Additional specialty programs available through your mortgage lender include construction loans, bridge loans, and self-employed mortgage programs. Your Michigan mortgage broker evaluates every available option to find the best solution for your unique situation across all 83 Michigan counties.
Michigan Mortgage Broker — First-Time Homebuyer Guide
🎓 First-Time Buyer? Your Michigan Mortgage Broker Has Helped Hundreds Get Started
With FHA loans starting at just 3.5% down and Michigan’s statewide average of $354,396, first-time buyers across all 83 counties have more options than they often realize. Your local mortgage lender has guided hundreds of first-time buyers over 25+ years — providing clear, step-by-step guidance from initial consultation through closing day. No pressure, no obligation, just honest expert advice.
For first-time buyers in Michigan, FHA financing is often the primary program your mortgage expert evaluates first — just 3.5% down, credit scores starting at 580, and flexible guidelines that work for buyers at the beginning of their financial journey. Conventional financing at 3–5% down is often the better long-term choice for buyers with 620+ credit. For buyers in rural or suburban Michigan communities, USDA zero-down financing may eliminate the down payment entirely. For eligible veterans, VA loans provide zero down payment with no monthly mortgage insurance — one of the best first-time buyer programs available.
Your Michigan mortgage lender and broker reviews your household income and financial profile as part of the free initial consultation. Michigan down payment assistance programs through MSHDA may further reduce upfront costs for qualifying buyers. Call your loan officer at (616) 633-3692 to get started — pre-approval letters are typically ready within 24 hours.
Why Choose This Michigan Mortgage Broker
🏆 25+ Years of Michigan Mortgage Experience
Your Michigan mortgage lender brings over a quarter century of lending and real estate expertise to every transaction. Edward has deep familiarity with Michigan’s diverse markets — from Grand Rapids and Detroit to Traverse City, Marquette, and hundreds of communities in between. That experience means your mortgage gets done right the first time.
💰 12+ Wholesale lenders — Better Rates
Banks offer their own products at retail rates. Your mortgage lender shops 12+ wholesale lenders simultaneously for your best rate and terms. One application, dozens of options. At Michigan’s statewide average of $354,396, meaningful rate savings compound significantly over a 30-year loan term.
🔑 Dual-Licensed Broker & Realtor
Edward holds both a mortgage broker license (NMLS #138424) and Michigan realtor license (#6501386956). Your Michigan mortgage broker provides financing expertise and real estate guidance from one professional — eliminating coordination delays and delivering live payment analysis on every property you consider statewide.
📞 Available 7 Days a Week
Your local mortgage lender works weekdays 8 AM–8 PM and weekends 9 AM–8 PM, including every holiday. Real estate doesn’t stop on weekends or holidays — and neither does Edward. Your calls are answered, your questions are addressed, and your pre-approval letters are issued whenever you need them.
🗺️ All 83 Michigan Counties
Your mortgage expert is licensed statewide. Whether you are buying in the Grand Rapids metro, relocating to metro Detroit, purchasing a vacation property on Lake Michigan, or buying anywhere across the Upper Peninsula — Edward brings the same expertise and personal service to every Michigan transaction.
✅ Free Consultations Always
No pressure, no obligation. Working with a Michigan mortgage lender and broker starts with an honest conversation about your goals, your financial situation, and your timeline. Edward gives you straight answers, a clear comparison of all programs, and a path forward — before you commit to anything.
What Michigan Clients Say
These verified Google reviews reflect the expertise and personal service that Michigan homebuyers receive when working with Edward Kalavitz as their loan officer.
“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 realtor and lender — great to have 2 in 1. We could look at houses and run numbers the same day.
— Mallory Anderson | First-Time Homebuyer | Google Review
“Above and Beyond — Twice”
Edward is a great realtor and loan officer. He helped my fiancé and I buy our first home. We called him back for our forever home. He again went above and beyond.
— Anthony Smolenski | Repeat Client | Google Review
“Closing Came Sooner Than Anticipated”
Edward was up front, professional and most helpful. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.
— Dennis Bowman | Refinance Client | Google Review
“Not Only My Realtor — My Friend”
Edward was an excellent help in the most stressful time of my life. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!
— Paula Hilliard | Google Review
Visit Your Michigan Mortgage Broker — Grand Rapids Office
Edward Kalavitz — Private Mortgage Guarantee LLC operates from Grand Rapids, Michigan and serves all 83 Michigan counties. Most clients work with their Michigan mortgage lender remotely by phone, email, and secure online portal — so your location in Michigan is never a barrier. Stop in or call anytime during extended hours.
Private Mortgage Guarantee LLC
Address: 2169 Wealthy St SE, Grand Rapids, MI 49506
Phone: (616) 633-3692
Email: edward@mortgage-and-real-estate-help.com
Hours: Mon–Fri 8AM–8PM | Sat–Sun 9AM–8PM | Open All Holidays
Michigan Mortgage Broker — Your 5-Step Process
Your mortgage lender has refined a clear, efficient process over 25+ years of Michigan lending. From your first conversation to closing day, Edward manages every step proactively so your Michigan mortgage transaction stays on schedule.
Step 1: Free Consultation & Program Comparison
Call your Michigan mortgage broker at (616) 633-3692 or apply online. Edward compares Conventional, FHA, VA, USDA, and Jumbo options simultaneously and reviews your full financial profile to identify the program delivering your best outcome. No pressure, no obligation — just expert guidance from an experienced Michigan mortgage professional.
Step 2: Pre-Approval in 24 Hours
Your local mortgage lender completes the full loan application and submits to wholesale lenders. Pre-approval letters are typically ready within 24 hours of receiving your completed application and documents. Shopping for a Michigan home without a pre-approval letter puts you at a serious disadvantage — Edward gets you ready before you look at a single property.
Step 3: House Hunting With Confidence
Pre-approval in hand, you shop Michigan properties with real credibility. Sellers and real estate agents take pre-approved buyers seriously. Your mortgage expert can also serve as your licensed realtor — running live payment scenarios as you evaluate properties and providing real estate guidance alongside financing strategy from one experienced professional.
Step 4: Loan Processing & Underwriting
Once your offer is accepted, your Michigan mortgage lender and broker manages the complete pipeline — appraisal coordination, title, underwriting submission, and underwriting clearance. Edward’s 25+ years of experience means your Michigan mortgage stays on track through every step of the lending process with proactive communication throughout.
Step 5: Closing Day — Welcome Home
On closing day, your loan officer ensures every document is accurate and all fees are verified against your Loan Estimate. You sign final documents and officially become a Michigan homeowner — with the right loan, the right rate, and a professional who was with you every step of the way.
Michigan Mortgage Broker — Frequently Asked Questions
What does a Michigan mortgage broker do?
A Michigan mortgage lender acts as an intermediary between you and multiple lenders. Instead of applying to one bank and accepting whatever they offer, a mortgage lender shops your loan across 12+ wholesale lenders to find the best rate and program for your specific situation. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) with access to lenders offering FHA, VA, USDA, Conventional, and Jumbo loan products statewide across all 83 Michigan counties.
What is the average home price in Michigan?
Michigan’s statewide average sold price is $354,396 based on GRAR FlexMLS data — reflecting the full diversity of Michigan’s housing market from entry-level communities in the thumb and Upper Peninsula to premium lakefront markets along Lake Michigan and in Kent County. Your local mortgage lender tracks local market data across 272 published Michigan cities to give you accurate pricing context for wherever you are buying.
How much does it cost to use a Michigan mortgage broker?
Consultations and pre-approvals are always free with your mortgage expert. Edward is typically compensated by the lender at closing — not by you. Full transparency on all costs is provided upfront on your Loan Estimate before you commit to anything. In most cases your Michigan mortgage lender and broker finds better pricing than going directly to a bank, making the process both easier and more affordable for Michigan buyers.
How fast can I get pre-approved for a Michigan mortgage?
Your loan officer typically delivers a pre-approval letter within 24 hours of receiving your completed application and supporting documents. The application takes about 15–20 minutes to complete online. Documents needed include recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Call (616) 633-3692 to get started today.
Is USDA financing available in Michigan?
Yes — USDA rural development zero-down financing is available for many Michigan properties outside major metro areas. Many communities across rural lower Michigan and the Upper Peninsula qualify for USDA eligibility. Your Michigan mortgage lender verifies USDA eligibility for every Michigan address at no cost during the initial consultation. See the USDA loan guide for details.
What credit score do I need to buy a home in Michigan?
FHA loans accept scores as low as 580 for 3.5% down — or as low as 500 with 10% down. Conventional loans generally require 620 or higher, with the best rates at 740+. VA loans do not have a minimum score set by the VA, though lenders typically look for 580+. USDA typically requires 640+. Your mortgage lender reviews your full credit profile and recommends the best-fit program for your situation.
What are closing costs for buying a home in Michigan?
Closing costs in Michigan typically run 2–5% of the loan amount — approximately $7,088–$17,720 on Michigan’s $354,396 average price. Your Michigan mortgage broker provides a detailed Loan Estimate upfront and works to negotiate seller credits when market conditions allow. See the closing costs guide for a full breakdown. For federal housing resources and guidance, visit HUD.gov.
Does Edward serve all of Michigan or just West Michigan?
Edward is a licensed local mortgage lender serving all 83 Michigan counties — from Detroit and southeast Michigan to Traverse City and Petoskey in the north, Kalamazoo and Battle Creek in the southwest, Flint and Saginaw in the thumb area, and across the entire Upper Peninsula from Marquette to the Keweenaw. Distance is never a barrier — most of the mortgage process happens by phone, email, and secure online portal.
See Your Real Michigan Mortgage Rate in 60 Seconds
Our free Michigan Mortgage Advisor compares FHA, VA, USDA, Conventional, and Jumbo rates for Michigan homebuyers instantly — with real rate sheets, itemized closing costs, and no credit pull.
Launch Mortgage Advisor → Talk to Edward InsteadAlready Own a Michigan Home? Find Out What It’s Worth
Check your Michigan home value with real MLS data from 281 ZIP codes — plus a seller’s net sheet, equity analysis, and personalized refinance options from your mortgage expert.
Check Home Value → Affordability Calculator →Get Your Free Michigan Pre-Approval Letter
Show Michigan sellers you are a serious buyer. Your Michigan mortgage lender and broker delivers a free pre-approval letter — explore FHA, VA, USDA, and Conventional scenarios instantly. No credit pull. No obligation.
Get Pre-Approval Letter → Apply Online Now →Helpful Michigan Mortgage Broker Resources
Michigan Mortgage Broker — All 272 Michigan Cities We Serve
Your loan officer is licensed statewide and actively serves homebuyers and homeowners in all of the communities listed below. Click any city to see local market data, average home prices, days on market, and loan information specific to that area. Whether you are searching for a Michigan mortgage lender near you or buying anywhere across the state, Edward is ready to help.
Major Michigan Markets
All Published Michigan City Pages
🏙️ Grand Rapids — $355,268 Avg
Michigan’s second-largest city and Kent County seat — 1,819 homes sold in six months, 25 days on market. Urban amenities, diverse neighborhoods, and Michigan’s most active mortgage market. Your mortgage lender is headquartered here.
🏙️ Detroit Metro
Michigan’s largest metro area — diverse price points from entry-level to premium suburban. Wayne, Oakland, and Macomb counties offer a full range of FHA, Conventional, VA, and Jumbo loan opportunities statewide.
🎓 Ann Arbor
Washtenaw County’s premier university city — premium pricing, high-demand market, and a buyer pool that includes University of Michigan employees, healthcare professionals, and tech sector workers.
🌿 Traverse City
Northwest Michigan’s premier destination — waterfront and vacation property market with prices well above the statewide average. Conventional and Jumbo financing are the primary programs. Year-round and seasonal buyers served statewide.
🏛️ Lansing
Michigan’s state capital — Ingham County government, Michigan State University, and a diverse housing market spanning entry-level FHA through conventional mid-range. Your Michigan mortgage broker serves buyers across the greater Lansing metro.
🗺️ All 83 Michigan Counties
Your local mortgage lender serves every county in Michigan statewide. Whether purchasing in Kent County or relocating anywhere across the state, Edward brings 25+ years of lending expertise and wholesale rate access to every Michigan transaction.
Ready to Get Started with Your Michigan Mortgage Broker?
Edward Kalavitz has helped hundreds of Michigan families achieve homeownership across all 83 counties. As your dedicated mortgage expert, Edward offers 25+ years of experience, expertise across all five major loan programs, wholesale rates from 12+ lenders, and 7-day availability to help you secure the right financing anywhere in Michigan. Your Michigan mortgage lender and broker is ready to get your pre-approval started today.
(616) 633-3692 | 📧 edward@mortgage-and-real-estate-help.com
Weekdays 8 AM–8 PM | Weekends 9 AM–8 PM | Including All Holidays
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
Licensed Michigan Mortgage Broker & Realtor | Available 7 Days a Week Including All Holidays
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