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Treadstone Mortgage Get Started Not Your Average Mortgage Lender Get To Know Us Scroll Get Started Buy a Home with Zero Down See if You Qualify Say Hello To A Better Home Buying Experience Buying a home is a big decision, no matter the circumstance. Having a trusted Treadstone advisor in your corner makes all the difference. We approach each interaction as a unique opportunity to exceed our clients’ expectations through personalization and expertise. Turning an often-stressful process into smooth-sailing is our commitment and our passion because nobody raves about average. Stop by for a coffee or a chat – we’re here for you. Who We Are More Service. Less Hassle. When it comes to loans, there’s never a one-size-fits-all. That’s why Treadstone offers 19 types of loans for every type of borrower. Whether you’re a first-time buyer or an avid renovator, we walk alongside you to select the loan that fits your needs—and sticks to your budget. What’s better? We ensure the process is seamless. Meaning you can count on us to close on-time, every time. No exceptions. Find A Loan Clients Who Love Us My experience with Treadstone was fabulous! I felt supported and informed throughout the process, and truly enjoyed everyone I interacted with. I would highly recommend Treadstone for anyone in the home-buying market but was especially impressed as someone brand new to the process. So thankful for all their guidance and expertise! Kelsey S. (September 2023) Extremely helpful and knowledgeable on all subjects. Always willing to help and very responsive. Definitely recommend Treadstone to anyone looking to purchase a home! Chris C. (October 2023) Treadstone made purchasing our home a wonderful experience. We’d previously had bad experiences with other mortgage companies, but the team at Treadstone was so kind & informative, and willing to bend over backwards to make things work for us. Can’t recommend them enough! Chloe B. (September 2023) Super people to work with knowledgeable of what works for you—highly recommended. Edwin J. (November 2023) Really loved how they were super quick to respond to my questions. They also did a great job of keeping me informed about every step of the process! Absolutely loved working with this team! Paula S. (December 2023) Next Explore Areas Explore the cities and areas we serve everyday. We’ve created a go-to guide for spots to sip, share a meal, or treat yourself. Take a look. Explore Now Wanna Join Our Crew? Careers Meet the Crew Watch Now FAQs I would like to put down as little as possible, what program is best? There are several mortgage programs in Michigan that require little-to-no down payments. Contact your Loan Officer to see what program fits your needs best. Rural Development (RD) – 0% Veterans Affairs (VA) – 0% Conventional – 3%-5% FHA (Federal Housing Administration) – 3.5% Michigan State Housing Development Authority (MSHDA) – 1% Does a pre-approval cost me anything? Nope! Our pre-approvals are free! Contact your Loan Officer to get the process started. What are your current mortgage interest rates? Just like gas prices, interest rates for home loans in Michigan fluctuate daily. Please contact your Loan Officer to get an up-to-date mortgage quote. How long is a pre-approval good for? Most mortgage pre-approvals are good for 90-120 days. If your financial situation has changed in that time frame, you will want to contact your Loan Officer right away to ensure that your pre-approval terms are still valid. How does credit affect our interest rates? There are many factors that come into play when determining your interest rate, with your credit score being only one part of this equation. In general, a high credit score will help you get a lower interest rate. What is the difference between my interest rate and APR? An interest rate from a mortgage lender is a percentage of the principal balance on your loan charged on an annual basis. This interest is paid monthly and amortized over the term of the loan. APR (annual percentage rate) factors in all the costs and fees of the loan and expresses them as a percentage. It is to be expected that the APR is higher than the interest rate. Why is my credit score lower than what I see on Credit Karma? There are many credit models available. Many online credit monitoring companies use a different model than what is required when applying for a mortgage. Your lender will pull three credit bureaus’ scores and take your median score. We use Experian, Equifax, and TransUnion. The median of the three scores is considered your qualifying credit score for a mortgage. What programs are there for first-time home buyers? Conventional mortgage loan investors Fannie Mae and Freddie Mac offer first-time home buyer loan programs, known as HomeReady and Home Possible respectively. There are income limits and credit requirements that need to be met to qualify. These programs offer more favorable interest rates, lower private mortgage insurance (PMI), and flexibility on the amount you can put down. Will pulling a credit report affect my credit score? A single credit inquiry from a lender will have little impact on your credit score. Credit scoring models also consider when a consumer is shopping for the best rate on a mortgage and do not penalize them for this comparison shopping. View All The Only Mortgage Company Worth Following Facebook Instagram YouTube Apply Now Contact Us Client Login Payment FAQ’s Loan Servicing Realtors Down payment requirements, closing costs, and loan amounts are for illustrative purposes only; subject to credit qualification, not all applicants may qualify. Not a commitment to lend. Not affiliated with or endorsed by any government institution. Please contact us for an exact quote and for more information on fees and terms. Treadstone Funding propelled by Neighborhood Loans NMLS 222982 Illinois Residential Mortgage Licensee No. MB.6759826. neighborhoodloans.com/licensing/ For licensing information, go to www.nmlsconsumeraccess.org ” Privacy Policy | CA Privacy Policy © Treadstone Mortgage 2024. Mortgages — Better. Faster. Smarter. Watch Now Apply Now Who We Are Meet The Crew Meet The Pets Get a Loan Home Buyers Cool Sh*t Events Careers Explore Michigan Contact 616.774.9160 Apply Now We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it....