HomeMortgage Lender In Bay City, MI

Bay City, MI

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Mortgage Lender In Bay City, MI

Expelling 7 myths about mortgages in Bay City, MI

1. To be prequalified means to be preapproved.

There are differences between the two, even though you need a letter for both. Answer a few questions about your financial situation and you will be pre-qualified in minutes. In most cases, pre-approval requires much more information. Mortgage Lenders in Michigan look at your financials before approving you. The amount of the loan is determined by how much the bank is willing to loan you if you are approved. Nowadays, a pre-qualification doesn’t mean much. Preapprovals are preferred by sellers because they provide a more accurate indication of your ability to purchase a home.

2. You’re likely to qualify for a mortgage if you’re pre-approved.

Many homebuyers find out later that they have been rejected from a mortgage after being approved for one. There are a number of reasons why this can happen. Change in employment, adding additional debt, and not having enough money to cover the costs of getting a mortgage are some of the most common reasons.

Make sure you don’t make any rash decisions once you receive a pre-approval for a mortgage. As soon as you have been pre-approved for a home loan, you should speak with your mortgage advisor or our expert Mortgage Lenders at Michigan to make sure you’re not jeopardizing your pre-approval.

3. Mortgages are difficult to obtain.

Among the classic misconceptions is this one. Traditionally, the mortgage process has been confusing and demanding. In the end, the lender is ultimately responsible. Because some lenders don’t communicate well with borrowers, borrowers have difficulty getting in touch with them. At PierPoint Mortgage, we strive to make mortgages as hassle-free and smooth as possible for our clients. Throughout the entire mortgage process, our team makes it as simple as possible for you. Our process makes us the best and most trusted mortgage company.

4. You can only borrow based on your income.

Loan amounts are determined by several factors, including a borrower’s income. The amount you can borrow to buy a home is affected by your debts, such as car payments and student loans. Together, these factors affect how much you can borrow. Contact our expert mortgage broker in Bay City for more information.

5. My mortgage application will consider all income I have earned for the past six months since I am self-employed.

In order to use your self-employed income as part of your mortgage calculations, you must meet the following criteria:

  • A self-employment history of at least 24 months (2 years) is required.
  • A 12-month self-employment period may qualify you if you have previous experience in the field and your income is equal to what you earned before becoming self-employed.

6. My income isn’t enough for me to buy a home.

The mortgage payment may be within your reach if you can afford to pay rent. Talk to our mortgage advisor and Mortgage Broker in Bay City about how much mortgage you can afford.

7. After locating a house I can think about financing it.

Before you start looking at homes, you should at the very least be pre-approved. Sellers are protected because they won’t think you can buy their house if they believe you can. Additionally, this protects you as a buyer from falling in love with a home, only to discover you do not qualify for it. Before you start looking for a house, you should find the best lender or a Mortgage Broker in Bay City. With a pre-approval, you’ll know what your top price range is, as well as any credit issues you may need to address.

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    Reviews

    I was very pleased when I contacted them for a home loan. They gave me a loan instantly and their customer service is also good.
    Joanne Nichols
    Joanne Nichols
    07:52 02 Dec 21
    Their expert mortgage broker is able to help me get a great deal on a mortgage even if I don’t have perfect credit. Thanks a lot!
    James Nichols
    James Nichols
    06:05 24 Nov 21
    As a first-time homebuyer, my wife and I had no idea exactly what to expect from our mortgage. The team walked us through the whole process and answered every question or query we had. The mortgage brokers were so knowledgeable, they took all the anxiety out of our first home purchase. Thank you, guys!
    daline tram
    daline tram
    11:41 22 Nov 21
    I requested a home-loan from this company, they helped me in all ways and gave me a loan without any hassle.
    rosa mcnary
    rosa mcnary
    08:21 22 Nov 21
    I am truly grateful for the team I was assigned. They are the best mortgage broker around!
    Lorena Morales
    Lorena Morales
    10:55 10 Nov 21
    It was an amazing experience for me to avail a loan from them. They have mature seasoned staff who understand the requirements of the customer well. I can say they are one of the best mortgage companies I have worked with.
    Delores Richardson
    Delores Richardson
    07:50 29 Oct 21
    This is the best mortgage company I ever found. The service provided by them is really helpful. All my questions were answered fast and accurately. I will recommend their loan service to everyone who needs a loan.
    Betty Torres
    Betty Torres
    05:54 28 Oct 21
    We are very happy with the services provided by  these lenders. We thank them for their professionalism and appreciate their competency level. This is one of the best mortgage companies.
    Rafael Thomas
    Rafael Thomas
    05:29 18 Oct 21
    This team was a pleasure to work with. They answered all of our questions and provided excellent customer service. We found their service to be outstanding! We are grateful for the FHA loan.
    Clarence Youngs
    Clarence Youngs
    07:42 14 Oct 21
    Thanks a lot, guys. My mortgage brokers helped me get a VA loan and took care of the paperwork. This company is highly recommended!
    Hilda Pearson
    Hilda Pearson
    11:13 27 Sep 21
    Their constant communication and professionalism made our first mortgage so much less complicated. Recommend this service.
    Earl L. Thompson
    Earl L. Thompson
    11:31 15 Sep 21
    I am grateful to them for providing me with a home loan with low interest rates. They are the best mortgage lenders, and I strongly advise everyone to take out a loan from them. I will be grateful for their sincerity. Thank you very much!
    Amy Mattis
    Amy Mattis
    10:04 07 Sep 21
    This company helped me get a USDA loan to buy a house. They helped me all the way through. I am incredibly thankful to these mortgage brokers for helping me in getting the loan.
    Sara Grant
    Sara Grant
    06:57 19 Aug 21
    It has been very smooth, quick refinancing through them. We like to thanks mortgage lenders for their excellent service and recommend it to those who are in the process of buying or refinancing their homes.
    Robin Hopkins
    Robin Hopkins
    04:13 18 Aug 21
    I was assisted all the way by these guys from suggesting the best mortgage plan to submitting the documents.
    Annette Diaz
    Annette Diaz
    10:28 11 Aug 21
    It was daunting to get through the home loan application process, but the team made everything seem easy. We are very grateful for their help.
    Maxine T. Walker
    Maxine T. Walker
    11:45 05 Aug 21
    My last experience with these mortgage lenders was great. Therefore, I chose them again.
    Sharon Perez
    Sharon Perez
    05:55 05 Aug 21
    They are the best mortgage lenders in the business, and they provide me with hassle-free services. The loan was processed on time, and rates and charges were kept transparent from the start.
    S. Tarter
    S. Tarter
    04:59 23 Jul 21
    We recommend them because they are the best mortgage brokers. My loan requirements were met in a quick and efficient manner by their staff.
    Larry Martin
    Larry Martin
    06:08 21 Jul 21
    The team gave me clear instructions on how to apply for a home loan. These mortgage brokers responded quickly and forwarded my loan application, and with their help, I was able to get a home loan.
    Jaiden Bean
    Jaiden Bean
    10:37 17 Jul 21
    Webb Hassan
    Webb Hassan
    22:08 13 Jul 21
    Good people to work with if you need any type of loan.
    Paulina Cecille
    Paulina Cecille
    22:21 08 Jul 21
    Ariel Gillis
    Ariel Gillis
    16:38 05 Jul 21
    They were thorough and convenient, and my loan was approved very quickly. The representative I dealt with was extremely knowledgeable and considerate.
    Callahan Keagan
    Callahan Keagan
    10:26 27 Jun 21
    Thanks for being their during all the loan process
    Jarvis Julianna
    Jarvis Julianna
    22:00 25 Jun 21
    Thanks to this mortgage company for lending me a jumbo loan. I received excellent service, guidance, and support. They provide excellent services and I highly recommend them.
    Ingrid Deegan
    Ingrid Deegan
    14:51 24 Jun 21
    My house loan was made possible by you guys. The staff at PierPoint Mortgage helped me a lot when I applied for a loan to purchase a house here in Alexandria.
    Yasmin Mollya
    Yasmin Mollya
    19:36 17 Jun 21
    They are consistent, informative, and beyond helpful!! Home buying is exciting but is often stressful with the amount of information, time. Thanks, PierPoint Mortgage for helping us in getting an FHA loan.
    Kevin Geary
    Kevin Geary
    08:03 21 May 21
    They guided me through the loaning process and helped me become a first-time homeowner! I am very happy😊😊 with the services of PierPoint Mortgage.
    Karen Johnson
    Karen Johnson
    17:03 01 Apr 21
    Great company to use. Very easy process, took all the anxiety out of closing on my conventional loan. I will definitely PierPoint Mortgage again.
    Saran Chantell
    Saran Chantell
    23:15 24 Mar 21
    Just recently bought a home and worked with PierPoint Mortgage. The great team broke everything down to an exact. Would recommend Them. Answered every question. They were quick to respond always.
    junior casen
    junior casen
    17:49 22 Mar 21
    I wanted to buy a home but as I had some financial problem so I needed a home loan. I was very scared whether I will get the loan or not because it was for the first time I thought of taking a home loan. I searched on the internet to find a good and reliable company and came across this company. I communicated with these guys and they checked all my papers and suggested me the conventional loan. Luckily, I got the loan in a couple of days.
    Emily Carr
    Emily Carr
    15:55 18 Jan 21
    So I got the jumbo loan for my dream house from this company and I couldn’t be more thankful to this company. I was a bit worried because the amount was huge but they didn’t disappoint me.
    ben lau
    ben lau
    12:30 28 Dec 20
    I am very happy with the service of this mortgage company. I wanted to build my own house in Alexandria which is under construction just because of PierPoint. The finance broker of this company helped me find the right lender and go through the entire process of the mortgage application.
    John Williams
    John Williams
    07:15 27 Nov 20
    It feels so nice to have a house of your own. I hired this company for the home loan. I never knew that getting a loan was such an easy task. I just told them and gave them all the details. Rest all the work was done by them. Also, these people were very truthful
    Jasmine Buckland
    Jasmine Buckland
    04:56 30 Oct 20
    I will forever be rooting for this company as they are the ones because of who I could get my mortgage approved for my dream home I which I am now living today. They are angels walking on earth.
    Lavonne Horn
    Lavonne Horn
    05:58 10 Sep 20
    I am so grateful that I got introduced to their services. There is nothing that they do not do for their clients. And that is something that really sets them apart from the rest.
    William Farley
    William Farley
    08:51 08 Sep 20
    It is very difficult to find a company that is without any kind of ulterior motive and they are one of those rare firms who will do everything it takes to help their clients.
    Michael Pace
    Michael Pace
    09:45 03 Sep 20
    They are the most professional yet understanding people about mortgages and have a good deal of knowledge about this field.
    Cynthia Blake
    Cynthia Blake
    11:02 24 Aug 20
    I loved my experience with PierPoint Mortgage. They are very engaging and never did I feel alone and abandoned. They were super polite and answered all my queries very patiently and all the things that were unknown to me were introduced by them in a very detailed manner. I loved their customer reception a lot.
    Sonia Martin
    Sonia Martin
    09:39 13 Aug 20
    I will forever be recommending their services as they have been more than helpful in my case which was full of complications and there was only a little chance of it getting all processed through and approved. I did not have any hopes myself but they were confident and were constantly encouraging and motivating till it came through completely. I have never been more grateful.
    Megan Thomson
    Megan Thomson
    08:32 11 Aug 20
    I was very anxious about my mortgage as there was a huge possibility that because of a few anomalies in my case, I could have lost my bid to the dream house I had been always wishing to buy. But they took care of everything so well. They have been my guardian angels throughout.
    Maria Marshall
    Maria Marshall
    09:57 06 Aug 20
    My mortgage experience with them was very good. They are extremely well acquainted with all the aspects of mortgage and do not misguide their customers ever.
    Henry Webb
    Henry Webb
    07:44 10 Jul 20
    I had been looking for a mortgage firm just like them for so long and now I am so happy that I have finally found them. They helped me above and beyond to secure a mortgage that would suffice to get my dream home. I could not have got the deed to the house without their incredible help in the process. They handled my case from scratch and I did not have to worry about anything as I had seen the way how they work. They are very methodological and precise with their work and throughout all the work, I was kept in the know. They are the best mortgage firm ever!
    Deirdre Metcalfe
    Deirdre Metcalfe
    06:44 08 Jul 20
    I wanted to get mortgage for the construction of my new house but didn't know where to start. This company helped me to understand each and every step of the procedure and now, the construction process has started. A high thanks to the team.
    Megan Turner
    Megan Turner
    11:39 23 Jun 20
    Everything about the company is amazing, from services to the team member. They people really understand the need of their client and work accordingly.
    Michele Russell
    Michele Russell
    12:01 15 Jun 20
    I am very happy that I got in touch with this company as I got the finest service for the mortgage application. The team is really friendly and have great information.
    Russell Stanley
    Russell Stanley
    12:08 10 Jun 20
    Working with Shannon, I feel confident that he hears my questions and concerns. I've worked with other mortgage brokers who did not seem to understand what I was looking for and would present products to me that were probably more of value to sell than actually what I needed based on my situation. I feel comfortable working with Shannon and his team.
    Maria Jacob
    Maria Jacob
    07:00 28 Jan 20
    Working with PierPoint Mortage was a pleasant and painless experience for our refinance. Shannon was terrific at communication, and the process was straight forward and, most importantly, successful. Consider putting PierPoint Mortgage at the top of your list for your home loan needs.
    Abigail Lance
    Abigail Lance
    12:30 27 Jan 20
    If there's any example of a person that goes above and beyond for their client, it is Shannon. He has been nothing but patient with me, answering all my questions, and being a go-between when I had additional questions as my loan moves through the processing. He not only impressed me but my mother as well with her over 30 plus years in the mortgage business before retiring that says a lot.
    Zoe Black
    Zoe Black
    08:18 27 Jan 20
    Great experience overall with Shannon at PierPoint Mortgage. Excellent communication and straight forward. I highly recommend the company.
    Emma Molly
    Emma Molly
    05:12 23 Jan 20
    These are top notch brokers! Ask for Shannon he's the man with the plan and will help you from rebuilding credit to mortgage even recommend a realtor to match your needs. Highly recommended!!!
    Patrik Rojas
    Patrik Rojas
    05:46 14 Jan 20
    The team at this brokerage is top notch! Made me able to understand all parts of related my Mortgage. I will definitely use PeirPoint Mortgage again!
    Аnzela Palo
    Аnzela Palo
    08:56 10 Jan 20
    I had such an amazing experience at pierpoint mortgage. I had been denied at many other banks and as a last ditch effort tried pierpoint and immediately they were able to match me with, ironically, one of the banks that had previously denied me! if you have a situation like me call them!
    Alison Terry
    Alison Terry
    06:57 21 Nov 19
    I would use his services in the future and recommend Shannon o everyone interested to get a mortgage.Really happy with the service that I got from these guys. They got me a low interest rate and took care of all the paperwork for me. I would recommend PierPoint Mortgage to anyone who has mortgage questions or planning to get a mortgage.
    Nate Bruner
    Nate Bruner
    11:49 18 Nov 19
    Shannon helped me with what proved to be a more difficult than expected mortgage. Some of our first efforts didn't pan out, but he kept working on it and ultimately was able to get me a very competitive rate. He was professional, helpful, timely, and friendly at all times. I recommend him without reservation.
    michele bosisio
    michele bosisio
    10:04 18 Nov 19
    I would give them six stars if possible. I was skeptical at first but let me tell you, after your first call you'll get why they are 5 star mortgage company.
    Ermine Micky
    Ermine Micky
    10:00 17 Nov 19
    The friendliest and most helpful group of workers PierPoint have. They took away all my stress and worry being a first time consumer and made the whole experience just was best! Can’t thank or propose Shannon enough!
    edgar larios
    edgar larios
    09:15 14 Nov 19
    Shannon did an exquisite activity in assessing my preceding loan phrases and situations. He isn't a pushy individual and gives you his sincere recommendation on each thing of your mortgage. For sincere, honest and prompt recommendation Shannon might be your man. He will get the process executed as efficiently as possible!!
    wilfre dobenderYaf
    wilfre dobenderYaf
    07:36 14 Nov 19
    I had a very positive experience working with Shannon. He was prompt to return phone calls/texts/emails and was very clear on the information needed in order to qualify for a mortgage. I would recommend Shannon for your first/next mortgage.
    David Odonnell
    David Odonnell
    11:06 13 Nov 19
    I'd recommend Shannon if you are renegotiating your mortgage or getting a new mortgage. Shannon was great in giving me all the information I needed. Very knowledgeable and passionate in his work he was.
    Edgar Roman
    Edgar Roman
    11:32 12 Nov 19
    PierPoint Mortgage is the best company with an extraordinary and dedicated team. Exceptional as always was Shannon.
    Lacresha Hartzog
    Lacresha Hartzog
    06:30 06 Nov 19
    Those who just need an update on some specific issue they're dealing with, they will be assisted.I'd recommend Shannon and his team for the best solutions.
    Gilberte Mcmillian
    Gilberte Mcmillian
    11:35 05 Nov 19
    Pierpont mortgage is a one of a kind place that makes you always feel like you are their number one priority. Any question that I had big or small was answered in depth and always with a friendly attitude. You don’t find service like pierpoints anymore
    donna gonzales
    donna gonzales
    17:19 03 Oct 19
    I am active military and so is my wife, needless to say we have a unique financial history between the two of us. We have moved several places and the last few we have used Pierpoint mortgage. Shannon makes things so easy with my wives, kids, and my busy schedule and no matter where i have moved in the US Shannon has been there for us. Its nice to have that consistency in a life that is always sp different! I tell all by brothers to check them out when they answer the call around America. 5+++ stars
    Josh Brown
    Josh Brown
    19:21 11 Sep 19
    I want to thank PierPoint Mortgage for helping me buy the house of my dreams! You guys made it pretty easy and it was a pleasure working with you!
    Nicole Bradshaw
    Nicole Bradshaw
    13:04 18 Jun 19
    This company definitely deserves 5 stars! They provide quality, fast service.
    Rob Wemple
    Rob Wemple
    19:41 25 Jan 19
    Thank you for all of your help throughout the mortgage process. You guys did and incredible job. Everything was done in a timely manner and we got a great interest rate. I really appreciate everyone who helped with my loan at PierPoint Mortgage.
    Cheryl Macly
    Cheryl Macly
    18:11 17 Dec 18
    PierPoint Mortgage is a good company to work with when purchasing a home. They are easy to contact and straight forward with you.
    Margo Ashley
    Margo Ashley
    14:11 02 Nov 18

    We Are Here To Help You

    Our Bay City, Michigan Office

    With 50 years of experience in the industry, PierPoint Mortgage is offering the finest mortgage services. We deal in various mortgage programs that will help you become a proud homeowner.

    Address
    4300 wheeler Rd. Bay City,
    Michigan 48706
    231-343-9235
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    NMLS# 112844

    ABOUT US

    PierPoint Mortgage, LLC, was founded in 2003 and had been offering brilliant services ever since. It is a nationwide mortgage broker that has over 50 years of mortgage experience.

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