Top Mortgage Brokers in Bay City

Mortgage Services That You Can Rely On!

Mortgage Lender In Bay City, MI

If you are looking for a mortgage company Bay City, choose PierPoint Mortgage. We have been working in this domain for over 50 years and have helped a lot of Michigan residents get their dream houses!

Mortgage Services Provided by PierPoint Mortgage

A good mortgage lender is one that not only provides assistance but also allows you to explore all the options so that you can take your pick. And that’s what we do at PierPoint Mortgage. Our team of experienced mortgage brokers, mortgage lending experts, and loan officers can guide you through the loan process and different mortgage programs.

But before we get into the details, let’s talk about what services you can expect from PierPoint Mortgage:

  • Conventional Loans
  • USDA Loans
  • FHA Loans
  • VA Loans
  • Jumbo Loans
  • Mortgage Refinancing
  • Reverse Mortgage

Does Being Prequalified Mean Being Pre Approved for a Mortgage?

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, however, pre-approval requires significantly more information.

In addition to pre-qualification, pre-approved holds a higher value when it comes to mortgages. To help you understand it better, we would like to explain the online mortgage procedure, which is divided into different steps that include:

Step 1: Submit your Application

Fill out a loan application, for which you have to submit several documents. Because mortgage needs and documentation requirements can vary slightly from one local lender to another, it is advised that you have all the basic documents handy. Some of those include:

  • Government-issued ID (license, passport, or other government-issued photo identification)
  • Social Security Number
  • Payslip from employer
  • Proof of income (from employment or other sources of income)
  • Tax Returns
  • Recent bank statement
  • Credit history
  • Details of all existing loans
  • Information about the property

Submit the mortgage application and the requested documents or their copies. If you seem qualified based on the information provided, you will be prequalified.

Step 2: Get an Estimate

Once you have uploaded all your documents for evaluation, you will need to wait to confirm your loan eligibility and expected loan amount. As a general rule, evaluations take at least three days to finish.

Step 3: Provide Additional Information

Mortgage lenders in Michigan may ask for more information during the application process, so you need to respond quickly. Submitting all required documents quickly can speed up the application. There will also be a property appraisal, which will be integral to matching your borrowing needs with the selling price of the property.

The loan amount is determined on the basis of this assessment. Also, your debt ratio and your overall financial situation can affect your mortgage approval.

Step 4: Closing

If everything goes well, the lender will get ready for closing after the final assessment. There will be documents with all the loan terms and conditions, and you must read them carefully. If you agree with them, go ahead and prepare the down payment as well as the final fees. Once you pay that, your loan process will be completed.

Now, if you look at the steps, you will realize that getting a prequalification is easy as it is based on the information you provide. But at later stages of the entire mortgage process, the lender will perform assessments to know your debt information, debt ratio, employment status, collateral, etc., and that can affect the chances of getting pre-approved.

Once you’ve received a mortgage pre-approval, be careful not to act hastily. As soon as you have been pre-approved for a home loan, you should speak with a mortgage advisor in Bay City or with expert Mortgage Lenders in Michigan to make sure you’re not jeopardizing your pre-approval.

How Are Loan Amounts Determined?

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.

Usually, your income, the debts you owe, and the values of your other properties are put into a mortgage calculator to determine the exact loan amount that you would get. For more information, contact our expert mortgage broker in Bay City.

Can A Self-employed Person Get Approved for a Mortgage?

It is extremely easy to get a mortgage even if you are self-employed; you just need to provide a few additional details to meet the eligibility criteria. 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.

Home Loan in Bay City Made Easy with PierPoint Mortgage!

There are various lenders to help you with your home purchase, but knowing which one offers the most excellent service is another story.

So, if you are trying to buy the house of your dreams or looking for a professional mortgage broker in Bay City, you can rely on PierPoint Mortgage. We can assist you with a home loan in Bay City and help you achieve the homeownership you desire. Get in touch with us to get a quote!

    Get Pre-Approved Now!

    Get Pre-Approved Now!

    Get Pre-Approved Now!

    Get Pre-Approved Now!

    Reviews

    My experience with PierPoint Mortgage was great. They made the process easy and painless, I loved the benefits they offered, and they were able to get me a better mortgage than what my brand new bank was offering.
    Doris Nelson
    Doris Nelson
    06:54 21 Jan 23
    PierPoint Mortgage are a great mortgage brokers to work with. We had a lot of issues with our previous mortgage broker and as soon as we moved over to PierPoint we found out that this was the best move for us. They have helped us through every step of the process, answering all our questions and showing us how much easier it would be if we went with them.
    Ginger Burns
    Ginger Burns
    06:25 21 Jan 23
    The team got me a great rate on my mortgage and closed my loan quickly. The representatives and the staff were very professional and knowledgeable throughout the process. They are the best mortgage lenders in Alexandria, VA.
    Brent Thompson
    Brent Thompson
    08:40 13 Jan 23
    My refinance mortgage is always through Pierpoint Mortgage. The team was easy to deal with, and the process was quick and easy. I made the decision to refinance online and connect with a mortgage professional within minutes. I liked the convenience of this service, and the rates are competitive compared to the other mortgage brokers in my area.
    Helena Cunningham
    Helena Cunningham
    07:53 10 Jan 23
    I like how I can apply for a VA loan and how the application process is streamlined. The support team is helpful and friendly. This company is the best option when it comes to getting a loan.
    Alberta Allen
    Alberta Allen
    06:52 09 Jan 23
    My current lender is not available for conventional loans, so I was looking for a new lender. I was referred to Pierpoint Mortgage and was impressed by their service and rates. The rates are significantly lower than my current lender's, saving me money in the long run.
    Bernice Evans
    Bernice Evans
    06:47 09 Jan 23
    I have been a customer of Pierpoint Mortgage for a while now, and they have been helpful. The rates on their website are competitive, and the mortgage professionals are always friendly and willing to help. I recommend them to anyone and everyone for the best mortgage lenders.
    Eunice Shelton
    Eunice Shelton
    12:04 08 Jan 23
    I have used Pierpoint Mortgage for the last five years, and they have been a lifesaver. They help me find great rates and are always available to answer my questions. They have done a great job with my loan, and I know I can always get ahold of someone there if I need to. This company is a great resource for a mortgage advisor.
    Ellen Hudson
    Ellen Hudson
    10:35 08 Jan 23
    As first-time home buyers, my husband and I were very nervous about the entire home-buying process. But, the moment we met our loan officer at PierPoint Mortgage, we knew we were in good hands! The officer was friendly, and knowledgeable, and answered all of our questions (and we had a lot of them!). He made the process so easy for us! We thank them and recommend them as one of the best mortgage companies throughout Alexandria!
    Michelle Thomas
    Michelle Thomas
    11:25 16 Dec 22
    Dealing with the PierPoint Mortgage team was a great experience for me! They were very knowledgeable and helped me understand the mortgage process. They made sure I got the best rate possible. They have the best mortgage specialist all across Virginia!
    Karla Hayes
    Karla Hayes
    03:27 16 Dec 22
    We are so happy that we chose to use PierPoint Mortgage to obtain two conventional loans! Throughout the entire process, they were incredibly helpful and educative! We heartily support them and suggest them to every needy person!
    Brenda Mcdaniel
    Brenda Mcdaniel
    07:12 15 Dec 22
    PierPoint Mortgage team made the process of refinancing my home so easy and stress-free! The team found me the best possible interest rate and closed my loan in record time. To anyone looking for a finance broker, I would highly recommend their services in Alexandria, VA!
    Melody Silva
    Melody Silva
    04:13 15 Dec 22
    When I was looking for a mortgage lender, I reached out to many companies. The few that got back to me were just like any other bank, but PierPoint was different. The experts were knowledgeable and always available to offer advice and answer questions. I am so glad I found them because they've been fantastic at helping me purchase my new home. I believe that they are the best mortgage lenders in Alexandria.
    Celia Adams
    Celia Adams
    07:24 14 Dec 22
    The Pierpoint mortgage team was honest and trustworthy from the very beginning, and we felt like we were in good hands. The whole process was very smooth and stress-free, thanks to the friendly and courteous staff. We would highly recommend them to anyone looking for a mortgage loan.
    Edith Ross
    Edith Ross
    10:48 13 Dec 22
    I was so happy to find PierPoint Mortgage when we decided to purchase our new home. They were trusted lenders who helped us through the whole process, and we felt confident in their abilities. We would recommend them to anyone looking for a new home purchase or a reverse mortgage. Thank you, PierPoint Mortgage!
    Ralph Hunter
    Ralph Hunter
    09:48 10 Dec 22
    I am writing to express my satisfaction with the services of PierPoint Mortgage. I recently took their service to finance my new home, and they were extremely professional and helpful throughout the entire process. They made things very easy to understand, and they were always available to answer any questions I had. I would highly recommend PierPoint Mortgage to all.
    Josephine Ray
    Josephine Ray
    10:03 06 Dec 22
    My experience with PierPoint Mortgage was fantastic! They made the process of securing a mortgage very easy and stress-free. The team was very knowledgeable and always available to answer any questions I had. I would highly recommend PierPoint Mortgage to anyone looking for a broker.
    Derrick Flores
    Derrick Flores
    07:11 05 Dec 22
    When I was looking for a mortgage company that could offer refinancing at a competitive rate, PierPoint Mortgage caught my eye. They were exactly what I needed. I thank them for their help!
    Sarah Parker
    Sarah Parker
    06:33 25 Nov 22
    Pierpoint Mortgage are best best mortgage lenders that offers outstanding mortgage loans to Virginia residents. We are dedicated to providing our customers with ideal mortgage financing options and exceptional customer service.
    Brooke Payne
    Brooke Payne
    13:05 23 Nov 22
    I am very happy with the best home loans that I received from Pierpoint Mortgage. They were very professional and provided excellent service. I would definitely recommend them!
    Brooke Scott
    Brooke Scott
    11:56 23 Nov 22
    The company offered excellent mortgage broker services. They assisted us throughout the entire process and were able to secure us a great rate on our mortgage. Any person looking for a mortgage broker would receive our highest recommendation for their services.
    Mark Wallace
    Mark Wallace
    12:22 21 Nov 22
    Since I have been working with their mortgage lenders for some time, I wouldn't trust anyone else. They have always been accessible when I needed them, offer flexible loan options, and are all-around awesome people. They also have competitive rates. I appreciate their assistance with my mortgage.
    Brooke Kelly
    Brooke Kelly
    09:42 21 Nov 22
    I availed the refinance mortgage services from this company. The services were great and I was able to get my mortgage refinanced at a lower interest rate. This helped me save a lot of money on my monthly payments. I would recommend this company to anyone who is looking for a good mortgage refinancing service.
    Georgia Lynch
    Georgia Lynch
    06:10 17 Oct 22
    We availed their online mortgage broker services and they were very helpful. The entire process was very streamlined and efficient. They were always available to answer our questions and guide us through the process. We would definitely recommend their services to anyone looking for a mortgage broker.
    Leonard Kromer
    Leonard Kromer
    13:12 15 Oct 22
    Thank you for being a help when I needed it the most. Anyone who needs a mortgage company in the area,should definitely contact them.
    Loyce Cox
    Loyce Cox
    13:08 12 Oct 22
    I was extremely pleased with the service I received from this mortgage company. They were very helpful and professional throughout the process of refinancing my mortgage. I would definitely recommend them to anyone looking for a mortgage company.
    Brian Henry
    Brian Henry
    12:59 30 Sep 22
    I refinanced my home loan through this mortgage company and I'm so happy I did! They made the process super easy and I ended up saving a ton of money. I would highly recommend them to anyone looking to refinance their home loan.
    Carlos Maldonado
    Carlos Maldonado
    10:25 29 Sep 22
    I got my conventional loan through this mortgage company and it was a great experience. They were very professional and straightforward, and I felt like I got a good deal. I would definitely recommend them to anyone looking for a loan.
    William Shelton
    William Shelton
    10:24 28 Sep 22
    The reverse mortgage services offered by this company have been invaluable to me. They have allowed me to stay in my home and maintain my independence. The company is professional and extremely helpful. I would highly recommend their services to anyone considering a reverse mortgage.
    Tony Kozlowski
    Tony Kozlowski
    13:01 20 Sep 22
    The mortgage company was extremely helpful in guiding me through the process of securing a mortgage. They were always available to answer any questions I had, and they made the process much simpler than I had anticipated. I would definitely recommend their services to anyone looking for a mortgage broker.
    Kathryn Rhodes
    Kathryn Rhodes
    04:15 15 Sep 22
    The mortgage broker services provided by this firm were excellent. They were able to get us a great rate on our mortgage and helped us through the whole process. We would highly recommend their services to anyone looking for a mortgage broker.
    Sandy Kaufmann
    Sandy Kaufmann
    08:07 08 Sep 22
    Thank you for your help in securing our mortgage. We are very happy with the service we received and would recommend your company to anyone looking for mortgage services.
    Jake Smithc
    Jake Smithc
    12:33 27 Jul 22
    The mortgage services provided by this company were excellent. They were very knowledgeable and helped me through the entire process.
    Victoria Phillips
    Victoria Phillips
    11:49 25 Jul 22
    Working with this mortgage firm was a real treat! They were able to promptly and painlessly obtain a loan for me. They were quite friendly and accommodating, and they made the loan procedure appear to be very straightforward. I would strongly advise anyone in need of a home loan to use their services.
    Angelica Garcia
    Angelica Garcia
    04:34 10 Jun 22
    I was a little anxious about getting a home loan, but the mortgage dealers from this company walked me through every step of the process. They were very helpful and cooperative, and made the loan process seem very simple. I'm grateful to them for their assistance.
    Jose Duncan
    Jose Duncan
    05:04 06 Jun 22
    Mortgage dealers made my work done so quickly . They were very helpful and cooperative. They made the loan process seem very simple.
    Lula Dorman
    Lula Dorman
    10:18 02 May 22
    They are one of the best home loan providers in this area.
    Janice Carroll
    Janice Carroll
    06:17 13 Apr 22
    The best thing about this mortgage company is that it helps me to find the best option for my home loan.
    Jane Ortiz
    Jane Ortiz
    02:18 07 Feb 22
    They have been very supportive and their home loan process is very transparent. I would highly recommend them to anyone who wants great service at an affordable interest rate.
    Ronda Hawkins
    Ronda Hawkins
    09:24 13 Jan 22
    I got instant approval for a home loan with the help of these guys. I would really recommend them to everyone. Thanks so much guys!
    Leah Arnold
    Leah Arnold
    06:20 06 Dec 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
    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
    My last experience with these mortgage lenders was great. Therefore, I chose them again.
    Sharon Perez
    Sharon Perez
    05:55 05 Aug 21
    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

    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.

    https://pierpointmortgage.com/wp-content/uploads/2022/11/Home.png
    Address
    4300 wheeler Rd. Bay City,
    Michigan 48706
    https://pierpointmortgage.com/wp-content/uploads/2022/11/Phone.png
    (989) 601-3411