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Bay City, Michigan

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Mortgage Lender In Bay City, MI

If you are based in Bay City, MI, or if you are looking for mortgage brokers in the area, you can choose PierPoint Mortgage. We have been working in the domain for over 50 years and have helped a lot of Michigan residents in getting their dream houses!

Mortgage Services Provided by PierPoint

A good mortgage lender or mortgage company 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. Our team of experienced mortgage brokers, mortgage lending experts, and loan officers can guide you about the loan process and different mortgage programs.

But before coming to the brass tacks, let’s first know what services can you expect to receive from PierPoint Mortgage. So, here is the list of all the loans that you can get with the help of PierPoint Mortgage:

  • Conventional Loans
  • USDA Loans
  • FHA Loans
  • VA Loans
  • Jumbo Loans

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. But in most cases, pre-approval requires much more information.

Pre-qualification does not mean much when it comes to mortgages as being pre approved holds the real value. To help you understand better, we would like to explain the online mortgage procedure.

The whole procedure can be divided into different steps and they include:

Step One: 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 asked documents or their copies. If you seem to be qualified based on the information provided, you will get 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. Please be patient as evaluations can usually take at least 3 days to complete.

Step 3: Provide Additional Information

Lenders 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 for matching your borrowing needs and 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

After the final assessment—if everything goes well—the lender will prepare for closing. He will share a document will 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 get completed.

So, What is the Difference Between Being Prequalified and Being Pre Approved?

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 easily change your pre approval.

Make sure you don’t make any rash decisions once you receive 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.

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.

Contact our expert mortgage broker in Bay City for more information.

I am Self-Employed, Can I Still 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 Loans Made Easy with PierPoint Mortgage!

There are various lenders to help you with your home purchase but to know 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 professional mortgage brokers, you can rely upon PierPoint Mortgage. We can help you with a home loan, and help you get the homeownership of your dream house.

You can either call us or simply visit our store!

    Get Pre-Approved Now!


    Get Pre-Approved Now!


    Get Pre-Approved Now!


    Get Pre-Approved Now!

    Reviews

    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
    I am so happy that I chose the right finance broker to help me with my mortgage application. The company was very professional and communicated with me throughout the process. They managed to get me a great deal on my mortgage and I will definitely be recommending them to my friends and family.
    Hedaet Hedaet
    Hedaet Hedaet
    10:30 27 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
    I approached this mortgage broker for my first home and they provided excellent service. They explained all my options to me, in detail, so that I could make the best decision for my family. They got me a great rate and we closed on my house without any issues. I would definitely recommend this broker to anyone looking for a mortgagee in Alexandria.
    A Google User
    A Google User
    04:58 15 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
    I received great mortgage services from this firm. The mortgage brokers were very helpful and made the process seem simple. I was kept informed and in control of my home purchase from beginning to end. I would highly recommend this firm to anyone looking for great mortgage services.
    Mark Harrison
    Mark Harrison
    07:21 10 Sep 22
    I found the mortgage broker services provided by this company to be very professional and helpful. They were able to provide me with the information I needed to make an informed decision about my mortgage. I would recommend their services to anyone looking for a mortgage broker in Alexandria.
    A Google User
    A Google User
    12:09 09 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.
    Remy Gasser
    Remy Gasser
    08:07 08 Sep 22
    Thank you for your help in getting our home loan approved. We are very happy with the service you provided and would recommend your company to anyone looking for home loan services.
    A Google User
    A Google User
    06:21 10 Aug 22
    I got my home loan from this company and I'm very happy with the service. They were very professional and the process was very smooth.
    Clara B. Wolf
    Clara B. Wolf
    06:50 08 Aug 22
    The home loan services provided by the mortgage lenders were very professional and hassle-free. They made the process of availing a home loan very easy for me. I would definitely recommend their services to anyone looking for a home loan.
    Christopher Clark
    Christopher Clark
    10:15 29 Jul 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 staff at company were very professional and offered great mortgage services. They helped me to understand the process and made it easy for me to get the best rates.
    Diane London
    Diane London
    10:14 22 Jul 22
    I was extremely pleased with the mortgage services that I received from your company. The process was speedy, and your staff was very helpful and knowledgeable. I would not hesitate to recommend your company to friends and family. Thank you for making my home buying experience a smooth one.
    Peter Ross
    Peter Ross
    03:28 09 Jul 22
    Thank you for your fantastic mortgage services! Your help and support have been invaluable, and we are very grateful for all your hard work. We truly appreciate everything you have done for us.
    Lourdes Butler
    Lourdes Butler
    08:31 06 Jul 22
    Working with this mortgage company was a very positive experience. They were helpful, responsive, and understanding. I would recommend their services to anyone in need of a mortgage. Thank you!
    Melvin McCarty
    Melvin McCarty
    13:24 01 Jul 22
    Thank you so much for the quick and easy process! I got my home loan in no time, and the service was extremely helpful. Highly recommend!
    Ricks Acuff
    Ricks Acuff
    11:46 23 Jun 22
    They were able to get me the best interest rate possible, and they made the process very easy. I would definitely recommend them to anyone looking for a home loan.
    Maria Gonzalez
    Maria Gonzalez
    09:34 15 Jun 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
    Recently I was having trouble dealing with a pier point officer. The manager at Pierpoint mortgage himself came to me and helped me understand things patiently. He patiently answered the questions that I had and gave me all the details that I needed.
    Thomas Collins
    Thomas Collins
    12:48 09 May 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
    I've used them for both my home purchase and refinancing, and their service is top-notch.
    Martin James
    Martin James
    06:10 01 Apr 22
    I was lucky enough to go through a company that approved my home loan within two days. It was such a relief to know that I was able to get the house that I wanted, and didn't have to wait any longer.
    Roberta Palmer
    Roberta Palmer
    05:10 28 Mar 22
    They help me get a mortgage that is tailored to my needs, no matter what they are. Now I have an awesome new home that fits my family's needs perfectly!
    Edward Robinson
    Edward Robinson
    05:22 02 Mar 22
    I have been looking for a good home loan company that can help me to take care of my mortgage needs, Finally, I came across this company that has helped me to find the best option for my home loan.
    Joanna Matthews
    Joanna Matthews
    12:14 26 Feb 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
    I applied for a home loan through them and they helped me a lot. I am really thankful to all the team members who have been supporting me from the very beginning till the end.
    Ginger Thompson
    Ginger Thompson
    03:57 02 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 am glad that I work with them because their customer care staffs are very friendly and helpful. They try to solve any problem if there is any issue regarding your home loan application or even after approval of the loan.
    Marie Harper
    Marie Harper
    03:16 12 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
    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
    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
    My last experience with these mortgage lenders was great. Therefore, I chose them again.
    Sharon Perez
    Sharon Perez
    05:55 05 Aug 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
    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 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
    (989) 601-3411

    ABOUT US

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

    NEWSLETTER

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