Roscommon Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Roscommon, Roscommon County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Roscommon, Roscommon County & all 83 Michigan counties
In This Guide
- Today’s Rates in Roscommon
- Michigan Mortgage Advisor
- Meet Your Roscommon Mortgage Broker
- About Roscommon, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Roscommon
- Buying in Roscommon
- Selling in Roscommon
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Roscommon FAQ
- Available Hours
Mortgage Rates in Roscommon
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 Roscommon 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 Roscommon 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.
About Roscommon, Michigan
Roscommon is a village of roughly 981 residents and the county seat of Roscommon County, set within Higgins Township in the northern portion of the county. The South Branch of the Au Sable River passes directly through the village, and three state parks sit within a short drive — South Higgins Lake State Park, North Higgins Lake State Park, and Hartwick Pines State Park. At 1.66 square miles in total area, the community blends compact village character with immediate access to Northern Michigan recreation. Your mortgage expert will put the real number in writing.
The community was first settled as early as 1845 by George Robinson of Detroit, shortly after Roscommon County was organized in 1840. The village and the county both take their name from County Roscommon in Ireland. A post office was established on January 9, 1873, with Alfred Bennett serving as the first postmaster.
In 1875, the community became the county seat, and incorporation as a village followed in 1882. Those nineteenth-century anchor decisions — county seat designation and formal incorporation — continue to shape the civic and physical layout of the historic core today.
The local economy combines county-government employment, public education through Roscommon Area Public Schools, Kirtland Community College higher-education presence, and a deep tourism base tied to the South Branch of the Au Sable River and the surrounding Higgins Lake and Houghton Lake corridor. Three nearby state parks plus the Au Sable State Forest draw year-round visitors — kayakers, canoeists, and anglers in summer; snowmobilers and ice anglers in winter. That seasonal rhythm supports lodging, outfitters, restaurants, and small retail across the village and the broader 48653 ZIP service area. Ask your local loan expert to model this before you tour.
Financing note: Edward lends across every one of these neighbourhoods, and as your local mortgage expert, Edward can pre-approve you before you start touring.
About Roscommon, Michigan
Roscommon is a village of roughly 981 residents and the county seat of Roscommon County, set within Higgins Township in the northern portion of the county. The South Branch of the Au Sable River passes directly through the village, and three state parks sit within a short drive — South Higgins Lake State Park, North Higgins Lake State Park, and Hartwick Pines State Park. At 1.66 square miles in total area, the community blends compact village character with immediate access to Northern Michigan recreation. A Roscommon Michigan mortgage broker who is also a licensed Realtor sees both sides of this.
The community was first settled as early as 1845 by George Robinson of Detroit, shortly after Roscommon County was organized in 1840. The village and the county both take their name from County Roscommon in Ireland. A post office was established on January 9, 1873, with Alfred Bennett serving as the first postmaster.
In 1875, the community became the county seat, and incorporation as a village followed in 1882. Those nineteenth-century anchor decisions — county seat designation and formal incorporation — continue to shape the civic and physical layout of the historic core today.
The local economy combines county-government employment, public education through Roscommon Area Public Schools, Kirtland Community College higher-education presence, and a deep tourism base tied to the South Branch of the Au Sable River and the surrounding Higgins Lake and Houghton Lake corridor. Three nearby state parks plus the Au Sable State Forest draw year-round visitors — kayakers, canoeists, and anglers in summer; snowmobilers and ice anglers in winter. That seasonal rhythm supports lodging, outfitters, restaurants, and small retail across the village and the broader 48653 ZIP service area. As your local mortgage expert, Edward sees this reflected in Roscommon appraisals.
Neighborhood Guide · Roscommon, MI
Roscommon Neighborhoods
The village covers 1.66 square miles in total area — 1.65 land and a sliver of water — with the South Branch of the Au Sable River cutting through the community. The six neighborhood patterns below extend from the historic county-seat core out along the river corridor and into the Higgins Township blocks that surround the village.
Roscommon Downtown / Lake Street
The historic village core, anchored by the county-seat designation that arrived in 1875 and the formal incorporation that followed in 1882. Inventory here is dominated by older village-scale homes on compact lots, with civic functions, small retail, and walk-to amenities clustered along the central blocks. The South Branch of the Au Sable River runs through the village, so downtown parcels often sit within a short walk of the water without carrying frontage pricing. Your loan officer factors this into what you can borrow.
Walkability: Walkable village grid with the river, county-seat civic buildings, and central retail reachable on foot within the historic core. Edward Kalavitz can price your exact scenario today.
Buyer fit: Common among buyers prioritizing walkable county-seat character, river access without waterfront pricing, and the kind of historic downtown footprint that comes from a community platted in the 1870s and 1880s — particularly retirees, remote-work professionals, and second-home buyers looking for a year-round-livable Northern Michigan base. Your broker can price your exact scenario today.
AuSable River Corridor
Homes along the South Branch of the Au Sable River, which Wikipedia notes is a popular destination for kayaking, canoeing, and fishing as it passes through the village. Inventory varies from older river-adjacent village homes to larger parcels extending outward as the corridor leaves the incorporated village limits. Lots typically widen and tree cover deepens as you move out from the downtown core. As your local mortgage expert, Edward accounts for this up front.
Walkability: Drive-oriented riverside lanes; access to the water is by direct frontage or by short drive to public access points. Your mortgage expert factors this into what you can borrow.
Buyer fit: Common among buyers prioritizing direct or near-direct South Branch Au Sable frontage, fly-fishing and paddling access from the back yard, and the privacy of larger river-adjacent parcels. Strong appeal for second-home buyers, retirees, and recreation-driven primary buyers who want the river as a daily feature rather than a weekend drive. Your local loan expert factors this into what you can borrow.
Roscommon Area Public Schools District
Residential blocks feeding the local public district, which operates Roscommon High School and serves families across the village and surrounding townships. The 48653 ZIP boundary extends well beyond the incorporated village, so district-feeder housing pulls from Gerrish Township, most of Lyon Township, and portions of several adjacent townships — meaning buyers often have inventory choices across in-village and just-outside-village locations within the same school feeder pattern. Ask Edward how this affects your monthly figure.
Walkability: Sidewalks throughout in-village subdivisions; outer-township feeder blocks are drive-oriented. As your local mortgage expert, Edward accounts for this up front.
Buyer fit: Common among families prioritizing the local public-school feeder, year-round residency in a community where roughly a quarter of households include school-age children, and the trade-off between in-village walkability and outer-township lot size. Often selected by families relocating from larger Michigan metros for cost and lifestyle reasons. As your local mortgage expert, Edward accounts for this up front.
Kirtland Community College Area
Residential parcels near the local community-college presence, which anchors the regional higher-education footprint serving Roscommon and surrounding counties. Housing in this pattern typically targets faculty, staff, and longer-term student renters, plus year-round residents who value proximity to college events, library access, and continuing-education offerings. A Roscommon Michigan mortgage broker who is also a licensed Realtor can answer both halves of this.
Walkability: Drive-oriented in most directions, with some walkable segments closer to campus-adjacent residential streets. Ask your loan officer how this affects your monthly figure.
Buyer fit: Common among college-affiliated workforce — faculty, staff, and continuing-education adult learners — plus investment buyers targeting the steady rental demand that a community college generates. Also draws retirees who value lifelong-learning access and the cultural programming that comes with even a small college campus. Ask Edward Kalavitz how this affects your monthly figure.
Higgins Lake / Houghton Lake Proximity
Residential parcels positioned for short-drive access to Higgins Lake (a 14-minute drive to the unincorporated community) and Houghton Lake (about 27 minutes). South Higgins Lake State Park and North Higgins Lake State Park sit within easy reach, putting beach, boating, and shoreline-trail amenities within a routine evening drive. Many parcels in this pattern are second homes or have second-home heritage, with year-round livability improving as the corridor has matured. Working with a Roscommon Michigan mortgage broker keeps this on one timeline.
Walkability: Drive-oriented; lake access is by short drive rather than walk, but state-park trails offer extensive on-foot recreation. A Roscommon Michigan mortgage broker who is also a licensed Realtor can answer both halves of this.
Buyer fit: Common among inland-lake recreation buyers, retirees relocating from downstate Michigan, and second-home buyers who want lake access without paying direct lake-frontage premiums. Strong overlap with snowmobile and ice-fishing buyers given the proximity to state-forest trail systems and the surrounding lake network. A Roscommon Michigan mortgage broker who is also a licensed Realtor can answer both halves of this.
Greater Roscommon Residential
The broad stock of single-family residential housing across the village and the surrounding 48653 ZIP service area — which extends into Gerrish, Lyon, Lake, Markey, Au Sable, South Branch, and Beaver Creek townships per the Wikipedia ZIP-service description. Inventory here spans older village homes, mid-century subdivisions, and newer single-family construction on larger outer-township parcels. Pricing tends to track lot size, road frontage type, and distance from the river corridor. Your broker can price your exact scenario today.
Walkability: Walkable to neighborhood amenities in village segments; drive-oriented across the outer-township blocks. Working with a Roscommon Michigan mortgage broker keeps this on one timeline.
Buyer fit: Common among year-round residents, families moving between in-village and outer-township parcels as housing needs change, and primary-home buyers who want Northern Michigan recreation access without taking on the maintenance load of direct lakefront or riverfront property. Working with a Roscommon Michigan mortgage broker keeps this on one timeline.
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 Roscommon
Single-Family Homes
The core inventory category, spanning older village homes inside the historic core (where the community has been incorporated since 1882), mid-century subdivisions across in-village blocks, and newer single-family construction on larger outer-township parcels within the 48653 ZIP service area. Pricing tracks lot size, road frontage type, and distance from the river corridor more than it tracks specific subdivision names. Edward factors this into what you can borrow.
Condos & Townhouses
A smaller share of inventory than single-family but a meaningful option for buyers who want lower-maintenance Northern Michigan ownership — second-home buyers, snowbirds, and retirees who want lock-and-leave convenience between trips to other markets. Availability is thinner than in larger Michigan communities, so timing the search to actual listings matters. As your local mortgage expert, Edward accounts for this up front.
New Construction
A moderate but steady segment. Newer single-family builds typically sit on larger outer-township parcels rather than infill village lots, reflecting the land-availability pattern across the 48653 service area. Buyers should expect longer build timelines than in tract-builder markets downstate and should budget realistically for site-work costs on rural parcels. Ask your loan officer how this affects your monthly figure.
Investment Properties
Two main demand drivers: short-term and seasonal vacation rentals tied to the South Branch Au Sable River and the surrounding state-park network, and longer-term rentals tied to Kirtland Community College student-and-staff demand. The two rental types operate on very different yield, occupancy, and management patterns — investor buyers should pick a lane before shopping. A Roscommon Michigan mortgage broker who is also a licensed Realtor can answer both halves of this.
Waterfront Homes
South Branch Au Sable River frontage anchors the local waterfront segment, with the surrounding Higgins Lake and Houghton Lake corridor adding inland-lake frontage at a short drive. Riverfront and lakefront pricing diverge — river parcels emphasize fly-fishing and paddling access, lake parcels emphasize beach, boating, and shoreline-recreation access. Each carries its own insurance, flood-plain, and high-water due-diligence checklist. Working with a Roscommon Michigan mortgage broker keeps this on one timeline.
Luxury Homes
Higher-end inventory concentrates in two patterns: South Branch Au Sable river-adjacent parcels with premium frontage or extended bank length, and larger outer-township parcels offering acreage, privacy, and recreational land combined with custom-built or recently renovated homes. The luxury tier here is smaller than in resort-market Michigan communities, so well-positioned listings tend to move when priced correctly. Edward Kalavitz can price your exact scenario today.
Financing note: Programme fit depends on build type and condition. Your broker matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Roscommon Schools & Education
Education in the area combines the local K-12 public district with a community-college presence that draws students from across the region. The 48653 ZIP service area extends well beyond the incorporated village, so school-district lines and ZIP boundaries do not perfectly align — verifying district assignment on a specific address remains an essential step.
Roscommon Area Public Schools
The local public K-12 district, operating Roscommon High School as part of its core program. The district serves families across the village and the surrounding townships within its boundary, drawing from a community where the 2010 census recorded 22.1% of residents under age 18 and an average household size of 2.13. As a county-seat district in a smaller Northern Michigan community, it operates with the kind of close-knit teacher-student ratios that families relocating from larger metros often cite as a deciding factor — though buyers should confirm specific program offerings and building assignments directly with the district for any address they are considering. Your mortgage expert can confirm what this means for your file.
Kirtland Community College
The local community-college presence, which serves Roscommon and the surrounding region with associate-degree, certificate, transfer, and continuing-education programming. For year-round residents, the college supplies workforce training, dual-enrollment options for high-school students seeking college credit, and adult-learner programming that is heavily used in retirement-age demographics — which matters in a community where the 2010 census recorded 22.9% of residents at age 65 or older. The campus also generates steady rental demand for nearby housing, which supports the local investment-property segment. Your local loan expert can confirm what this means for your file.
Private & Parochial Options
The broader Roscommon County area includes private and parochial school choices that some families select alongside or in place of the public district. Options shift over time as enrollment patterns change and as families weigh tuition against the public-district offering. Because parochial schools often draw from a wider geographic radius than public-district lines, families considering this path typically evaluate drive times to surrounding communities — including Grayling (16 minutes), Houghton Lake (27 minutes), and West Branch (28 minutes) — as part of the decision. Edward pre-approves buyers for this range daily.
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 Roscommon
One of the biggest advantages of Roscommon Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Roscommon.
18 mills
Removed by PRE
$45,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Roscommon 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 Roscommon area; Edward provides a precise estimate for any home you’re considering. Worth raising with your broker early.
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 Roscommon home, the PRE saves roughly $1,220 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. Your mortgage expert pre-approves buyers for this range daily.
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 Roscommon than in comparable out-of-state markets. Your local loan expert can confirm what this means for your file.
Within Roscommon, 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 Roscommon 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 Edward builds them in from the start rather than surprising you at closing.
Roscommon Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Roscommon Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Roscommon 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, Roscommon 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 loan officer reprices weekly. Edward Kalavitz can tell you what is actually closing in Roscommon right now.
Roscommon Michigan Mortgage Broker Loan Programs
Your broker offers the full range of Michigan mortgage programs for Roscommon 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 $7,050–$11,750 at Roscommon’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 $8,225 at Roscommon’s average of about $235,000
- 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 Roscommon-area rural addresses
- Below-market interest rates for income-eligible buyers
- Your mortgage expert verifies eligibility at no cost
- Income limits apply — Edward reviews Roscommon County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Roscommon properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium Roscommon County properties
🎖️ VA Loans — Zero Down for Roscommon 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 Roscommon residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for Roscommon 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 Roscommon-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
Roscommon Michigan Mortgage Broker — Your 5-Step Process
Your local loan expert has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call Edward 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 Roscommon
Pre-approval in hand, you evaluate Roscommon properties with confidence. Your loan officer can also serve as your licensed realtor — running live payment scenarios as you compare properties across Roscommon County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, Edward Kalavitz 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 Roscommon transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Roscommon
On closing day, your broker ensures every document is accurate and all fees are verified. You sign final documents and officially become a Roscommon homeowner.
Edward’s Selling Advantage
Selling Your Home in Roscommon
Selling a home in Roscommon 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. Edward reprices weekly, so ask for today’s figure.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Roscommon 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. Worth raising with your loan officer early.
Most Roscommon 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 Roscommon, fewer fall-throughs means faster, more certain closings. A Roscommon Michigan mortgage broker who is also a licensed Realtor sees both sides of this.
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 Roscommon 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.
Edward’s Local Take on Roscommon
Twenty-five years working across Michigan markets, here is how I help buyers think about this corner of Roscommon County by priority. The village is small — under a thousand residents — but the 48653 ZIP and the broader feeder pattern stretch across seven surrounding townships, and the river-and-lake recreation pulls buyers from across the state. Picking the right neighborhood pattern matters more here than in larger markets because the price-per-feature differences are meaningful. A Roscommon Michigan mortgage broker who is also a licensed Realtor sees both sides of this.
Edward Kalavitz
Edward’s Local Take on Roscommon
Twenty-five years working across Michigan markets, here is how I help buyers think about this corner of Roscommon County by priority. The village is small — under a thousand residents — but the 48653 ZIP and the broader feeder pattern stretch across seven surrounding townships, and the river-and-lake recreation pulls buyers from across the state. Picking the right neighborhood pattern matters more here than in larger markets because the price-per-feature differences are meaningful. Your mortgage expert pre-approves buyers for this range daily.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Roscommon Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Roscommon 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. Ask your local loan expert to model this before you tour.
“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!” Edward will put the real number in writing.
“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!” Your loan officer reprices weekly, so ask for today’s figure.
“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!” As your local mortgage expert, Edward sees this reflected in Roscommon appraisals.
Roscommon Commute & Transportation
The village sits along Interstate 75, the primary north-south Northern Michigan freeway, with US-127 providing the alternate north-south corridor immediately to the west. That dual-freeway access shapes most regional driving patterns — to downstate destinations south, to Mackinac-bound destinations north.
Interstate 75
I-75 provides the primary north-south freeway connection, linking the community to Bay City, Flint, and the Detroit metro to the south, and to Gaylord, the Mackinac Bridge, and the Upper Peninsula to the north. For most regional driving — Detroit at about 2 hours 40 minutes, Ann Arbor at 2 hours 30 minutes — this is the default route. Snow-belt winters do impose seasonal driving conditions that buyers from southern Michigan should factor into commute planning. As your local mortgage expert, Edward sees this reflected in Roscommon appraisals.
US-127
US-127 runs parallel to the west and provides an alternative north-south freeway connection — particularly useful for trips to Lansing (about 2 hours 6 minutes), Mount Pleasant, and the western downstate corridor. The two-freeway pattern means a single-route closure rarely strands the community, which matters for medical, business, and weekend travel reliability.
Grayling Access
Grayling sits about 16 minutes north along I-75 and provides the nearest larger-community amenities — full-service hospital, additional retail, and the historic Au Sable River tourism economy. For many residents, Grayling functions as the day-to-day errand and medical hub, while the village itself supplies routine needs.
Regional Air Access
Roscommon County Airport (a general-aviation field) handles small-aircraft access locally. For scheduled commercial flights, Cherry Capital Airport in Traverse City is the primary regional option to the northwest, with MBS International near Saginaw and Detroit Metropolitan Airport to the south as additional choices depending on destination and fare. Most year-round residents use the freeway-plus-commercial-airport combination rather than relying solely on the local field. Edward Kalavitz will put the real number in writing.
Financing note: Freeway access is a recognised location factor in the appraisal, and your broker sees it in the comparables. Your mortgage expert will also fold the true cost of a longer commute into what you can carry.
Where Roscommon Sits on the Map
Approximate drive times to other markets buyers commonly compare to Roscommon. Times reflect typical non-rush conditions; commute hours add 15–30%.
Roscommon Lifestyle, Entertainment & Recreation
Daily life here centers on the South Branch of the Au Sable River, the surrounding state-park and state-forest network, and the rhythm of a county-seat village where civic, educational, and recreational functions sit within a short drive. Seasonal swings shape the calendar — summer paddling and fishing, fall color tourism, winter snowmobiling and ice fishing, spring trout-season opening. Your local loan expert can confirm what this means for your file.
County Seat & Civic Identity
County-seat designation since 1875 and village incorporation since 1882 give the community a civic role that smaller Northern Michigan unincorporated places lack. County offices, courts, and related services concentrate here, which produces steady weekday foot traffic in the historic core and supports the small-retail and food-and-beverage base that serves both residents and visitors.
Kirtland Community College Presence
The local community-college campus contributes lectures, performances, athletics, and continuing-education programming that gives the community a cultural footprint larger than its 981-resident population would otherwise produce. For retirees — a significant share given that 22.9% of residents were age 65 or older at the 2010 census — the college supplies a steady stream of low-cost enrichment opportunities.
South Branch Au Sable River
The South Branch of the Au Sable River passes through the village and is, per Wikipedia, a popular destination for kayaking, canoeing, and fishing. The river anchors the community’s recreational identity — fly-fishers know this stretch for its trout reputation, and paddlers use it for everything from short floats to multi-day trips through the surrounding state-forest landscape. As your local mortgage expert, Edward sees this reflected in Roscommon appraisals.
State Parks & Au Sable State Forest
Three state parks sit within short driving range — South Higgins Lake State Park, North Higgins Lake State Park, and Hartwick Pines State Park (home to one of Michigan’s largest remaining stands of virgin white pine). Eight miles east, within the Au Sable State Forest, the 160-acre Roscommon Red Pines protect an old-growth red pine stand. That public-land density is unusual even by Northern Michigan standards and supplies year-round trail, beach, and forest access. Ask Edward to model this before you tour.
Financing note: Walkable amenities read as a resale strength, and your loan officer counts that in the comparables.
Roscommon Healthcare & Medical Facilities
Healthcare access combines regional hospital coverage to the north and east with local outpatient and primary-care services in the village. For tertiary and quaternary specialty care, residents typically draw on larger academic and regional medical systems within a moderate drive.
Munson Healthcare Grayling Hospital
Located in Grayling, about a 16-minute drive north of the village, this regional hospital provides emergency, inpatient, surgical, and broader hospital-based services that anchor local healthcare access. For routine emergencies and most hospital-based needs, this is the nearest full-service facility — a meaningful factor for buyers prioritizing proximity to emergency care, particularly retirees and families with school-age children. Edward Kalavitz reprices weekly, so ask for today’s figure.
MyMichigan Medical Center West Branch
Located in West Branch, about a 28-minute drive east, this hospital provides an additional regional hospital option that draws from the southern and eastern portions of the county. The two-hospital coverage pattern — one north, one east — gives the community redundancy that purely rural Northern Michigan markets often lack.
Local Outpatient & Primary Care
The village and surrounding 48653 ZIP service area include outpatient clinics, urgent-care options, and primary-care practices that handle the day-to-day medical load — routine visits, preventive care, lab work, and prescription management. For most non-emergency healthcare encounters, these local options keep care close to home without requiring a drive to one of the regional hospitals.
Tertiary Referral — Major Academic Systems
For complex specialty care — major cardiology, oncology, neurology, and academic-medical-center services — referrals typically route to larger systems within a moderate drive: Munson Medical Center in Traverse City to the northwest, University of Michigan health facilities accessible via the Ann Arbor drive (about 2.5 hours), and other downstate academic centers. Buyers with active specialty-care needs should map their specific care team to the actual drive routes before committing. Worth raising with your broker early.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so your mortgage expert will show the payment your file qualifies for and the payment your household actually feels.
Roscommon Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Roscommon, Michigan?
The average home price in Roscommon is about $235,000 — 33.7% below the Michigan statewide average. Your local loan expert compares all programs to maximize your Roscommon County purchasing power.
QHow fast are homes selling in Roscommon, Michigan?
Roscommon averages 40 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Edward can confirm the current figure for your situation.
QHow much down payment do I need in Roscommon?
FHA requires about $8,225 (3.5%) at Roscommon’s average of about $235,000. Conventional starts at 3-5% down (about $7,050–$11,750). VA offers 0% down for qualifying veterans. Your loan officer reviews every option before finalizing your strategy.
QWhat are closing costs in Roscommon?
Closing costs typically run 2-5% — approximately $5,200–$11,750 on a $235,000 Roscommon 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 Roscommon?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Edward Kalavitz reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Roscommon?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Roscommon transaction on schedule. Ask your broker to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Roscommon, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Roscommon 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 mortgage expert will put this in writing on your Loan Estimate.
QIs Roscommon, Michigan a good place to buy?
Roscommon offers Roscommon County community character and a $235,000 average that is 33.7% below the Michigan statewide average — with Conventional + FHA financing accessible for a wide range of buyers. Your local loan expert evaluates specific properties and programs for every buyer profile.
Ready to Get Started with Edward?
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Available When You Need Answers
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Michigan Loan Programs for Roscommon Buyers & Homeowners
As your Roscommon mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options: