Northern Michigan Mortgage Lender | Kirby and Angie |Mortgage Loan Team
Check Today’s Mortgage Rates in Michigan
Today’s Michigan Mortgage Rates — What to Know
Rates can shift daily with inflation data, jobs reports, and investor demand for mortgage bonds. That’s why you’ll see the live widget above—and why we pair it with real guidance. If you want numbers tailored to your credit, down payment, and property type, we can run a quick scenario for you.
Questions? Text or call Angie or Kirby .
Rate & Approval FAQs
Pre-qualification vs. Pre-approval — what’s the difference?
Pre-qualification is a quick estimate based on info you provide (often without a hard credit pull). Helpful for budgeting.
Pre-approval is stronger: we verify income, assets, and credit with documentation and a hard pull. Sellers prefer offers backed by a true pre-approval.
How do I get an official Pre-Approval Letter?
Complete our secure application and upload documents. After review, we’ll issue a formal pre-approval letter you can use when making offers.
What documents do I need for a pre-approval?
- W-2 employees: most recent pay stub and last 2 years of W-2s.
- Self-employed: last 2 years of full personal & business tax returns (all pages/schedules).
- Assets: recent bank statements for down payment/closing funds.
- ID: government-issued photo ID.
We’ll confirm anything additional based on your program (Conventional, FHA, VA, USDA, Jumbo).
How many years of employment history do I need?
Generally a full 2-year history (list all employers and any gaps). Some programs allow reasonable gaps with explanations.
I have cash at home—can I use it for my down payment?
No. Cash on hand can’t be sourced. We verify funds with bank/asset statements. Deposit any cash; funds typically must be seasoned on statement before use. Not sure how to handle it? Reach out and we’ll map the cleanest path.
Can I use a gift from my parents for my down payment?
Yes. Most programs allow gifts from eligible donors (e.g., parents/close family). You’ll need a signed gift letter (we provide it), a documented transfer (donor → you or title), and sometimes evidence of donor ability (donor statement) depending on the loan.
Will checking rates here affect my credit?
No. Viewing market rates or contacting us does not impact credit. A hard pull happens only if you authorize a pre-approval.
Can I lock a rate without a purchase contract?
Standard locks typically start with a signed contract (or a submitted refinance application). Certain extended-lock programs exist—ask us what’s available now.
How long is a pre-approval valid?
Usually ~90 days, tied to your credit report date. We can refresh quickly—send updated pay stubs/bank statements.
What Clients Say
“Kirby and Angie | Mortgage Loan Team made securing our second home smooth and stress-free. Kept us informed at every step. Highly recommend!”
“Angie and Kirby go the extra mile for clients. Professional, proactive, and a joy to work with.”
“Another great experience with Angie and Kirby. Clear communication, quick turn times, smooth close.”
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