Michigan Mortgage Broker
Get Pre-Approved in 24 Hours
Looking for a trusted Michigan mortgage broker who puts your needs first? With over 25 years of experience helping Michigan families achieve homeownership, Edward Kalavitz provides personalized mortgage solutions for every situation — first-time buyers, veterans, investors, and those looking to refinance.
Edward Kalavitz — Licensed Michigan Mortgage Broker (NMLS #138424) & Licensed Michigan Realtor (#6501386956) — serving all 83 Michigan counties.
✆ (616) 633-3692 — Weekdays 8 AM–8 PM | Weekends 9 AM–8 PM | Including All Holidays
25+
Years of Experience
12+
Wholesale Lenders
83
Michigan Counties Served
7
Days a Week Available
Why Choose Edward Kalavitz as Your Michigan Mortgage Broker?
Unlike big banks with limited hours and impersonal service, working with a dedicated Michigan mortgage broker means personalized attention, wholesale rates from 12+ lenders, and extended availability that makes the mortgage process stress-free.
Dual Licensed — Broker & Realtor
One professional handles your financing AND real estate guidance — no coordination gaps
12+ wholesale lenders
Banks offer one rate — Edward shops 12+ lenders simultaneously for your best deal
Available 7 Days a Week
Weekdays 8 AM–8 PM | Weekends 9 AM–8 PM | Including All Holidays
Pre-Approval in 24 Hours
Most pre-approval letters ready within 24 hours — shop with confidence
All 83 Michigan Counties
Upper Peninsula to Monroe County — statewide licensing, local expertise
Free Consultations Always
No pressure, no obligation — honest guidance from an experienced professional
Ready to get started? Call or text anytime:
(616) 633-3692Your Trusted Michigan Mortgage Broker for Every Loan Type
Finding the right mortgage can feel overwhelming with so many loan programs, lenders, and requirements to navigate. That’s where working with an experienced Michigan mortgage broker makes all the difference. With over 25 years of experience in the Michigan real estate market, Edward Kalavitz has helped hundreds of Michigan families secure financing for their dream homes.
When you choose Edward as your Michigan mortgage broker, you get personalized attention from start to finish. He takes the time to understand your unique financial situation, goals, and concerns — then shops 12+ wholesale lenders simultaneously to find the best rates and terms for your specific needs. A single bank simply cannot offer this.
Whether you’re a first-time homebuyer, a veteran using your VA loan benefits, a rural buyer exploring USDA zero-down financing, or a current homeowner considering refinancing, Edward is here to make the journey as smooth as possible.
“My mission is simple: help Michigan families achieve their homeownership dreams with honest guidance, competitive rates, and a stress-free experience. Your success is my success.”
— Edward Kalavitz, NMLS #138424 | Private Mortgage Guarantee LLC NMLS #2033317
Edward serves all 83 counties in Michigan — from the bustling Grand Rapids and Detroit metro areas to the quiet communities of the Upper Peninsula. No matter where you’re buying in Michigan, your Michigan mortgage broker is here to help. Learn more about Edward’s background →
Michigan Home Loan Programs
As your Michigan mortgage broker, Edward offers a complete range of mortgage options to fit every situation, budget, and goal. Contact Edward for personalized recommendations.
🏡 FHA Loans
3.5% Down PaymentPerfect for first-time buyers and those with less-than-perfect credit. Flexible qualification, competitive rates, 580 minimum credit score.
Learn About FHA Loans →🎖️ VA Loans
0% Down PaymentExclusive benefits for veterans, active-duty, and eligible surviving spouses. No down payment, no PMI, competitive rates.
Learn About VA Loans →🌾 USDA Loans
0% Down PaymentFor eligible rural and suburban Michigan properties. 100% financing with low mortgage insurance for buyers outside major metro areas.
Learn About USDA Loans →🏠 Conventional Loans
As Low as 3% DownThe most popular loan type for buyers with good credit (620+). Flexible terms, competitive rates, automatic PMI removal at 20% equity.
Learn About Conventional Loans →💎 Jumbo Loans
Premium PropertiesFinancing for luxury homes and properties exceeding conforming loan limits. Competitive wholesale jumbo rates from specialized lenders.
Learn About Jumbo Loans →🔄 Refinancing
Lower Your RateLower your monthly payment, reduce your loan term, or access your home’s equity. FHA Streamline, VA IRRRL, and Conventional options.
Learn About Refinancing →🎓 First-Time Buyers
Special ProgramsMichigan offers down payment assistance, tax credits, and first-time buyer programs. Edward guides you through every available option.
First-Time Buyer Programs →📈 Investment Properties
Build Your PortfolioRental properties, DSCR loans, and investment financing. Competitive rates and flexible terms to help you build wealth through Michigan real estate.
Learn About Investment Loans →📝 Non-QM Loans
Flexible QualificationDon’t fit traditional lending guidelines? Non-QM loans offer flexible qualification using bank statements, asset depletion, or alternative income documentation.
Learn About Non-QM Loans →Today’s Michigan Mortgage Rates
Every program above shown with its current rate and APR, so you can compare the true cost of credit — not just the headline rate. Updated from wholesale pricing, not a retail rate sheet.
Mortgage Rates in Michigan
Competitive pricing personalized to your scenario. Rates shown reflect 740+ credit, 30-year fixed terms unless noted.
Purchase Loans
Conventional Purchase
15-Year Conventional
FHA 30-Year Purchase
VA 30-Year Purchase
USDA Purchase & Refinance
USDA 30-Year Purchase
FHA Streamline Refi
Conventional Refinance
Jumbo & High-Balance
Jumbo / High-Balance
Specialty Mortgage Programs
Your Michigan mortgage broker provides specialty lending solutions for self-employed buyers, investors, and borrowers with non-traditional income profiles — programs most banks simply don’t offer.
📄 Bank Statement Loans
Self-employed? Qualify using 12–24 months of bank statements instead of tax returns. Available for purchase and refinance. Ideal for business owners and freelancers.
Learn About Bank Statement Loans →📊 DSCR Loans
Qualify based on rental income — not personal income. No employment verification or tax returns required. Ideal for Michigan investment property purchases.
Learn About DSCR Loans →🔧 Renovation Loans
Finance the purchase AND renovation costs in one loan. FHA 203(k) and conventional renovation options. Perfect for older Michigan properties needing updates.
Learn About Renovation Loans →See Your Real Mortgage Rate in 60 Seconds
The only tool from a Michigan mortgage broker with actual rates by credit score, itemized closing costs, and a plain-English breakdown of every loan program you qualify for.
Built by your Michigan mortgage broker — FHA • VA • USDA • Conventional • Jumbo included
Already Own a Home? Find Out What It’s Worth
Your Michigan mortgage broker built a home value tool that gives you a seller’s net sheet, equity analysis, and personalized refinance options. No login required.
Built by your Michigan mortgage broker • Free CMA follow-up included
Get Your Free Michigan Pre-Approval Letter
Ready to buy in Michigan? Your Michigan mortgage broker built a free pre-approval tool — explore USDA, conventional, FHA, and VA scenarios instantly. No credit pull. No obligation.
Free • No login required • Purchase & refinance scenarios • Instant results
How the Mortgage Process Works
As your Michigan mortgage broker, Edward has streamlined the process into three clear steps — from application to keys as smoothly as possible.
Free Consultation
A no-obligation conversation about your goals, budget, and timeline. Edward explains your options and answers all your questions — no pressure, just expert guidance.
Get Pre-Approved
Submit your application online. Edward shops 12+ lenders for your best rate and gets you a pre-approval letter — often within 24 hours. Shop with real confidence.
Close & Celebrate
Edward coordinates with all parties to ensure a smooth closing. He handles the details so you can focus on moving into your new Michigan home.
Ready to take the first step toward Michigan homeownership?
Free Mortgage Tools & Resources
Use these free tools to explore your options, calculate payments, and learn about the Michigan homebuying process.
Mortgage Advisor
Real rates by credit score, itemized closing costs, and program comparisons — all in 60 seconds.
★ Try It FreeHome Value Estimator
Get your estimated home value, a seller’s net sheet, and an equity analysis.
★ Try It FreePre-Approval Letter
Free pre-approval letter in minutes. FHA, VA, USDA, and Conventional — no credit pull required.
★ Try It FreeMortgage Calculator
Calculate monthly payments, compare loan scenarios, and determine how much home you can afford.
Use Calculator →Mortgage FAQ
Answers to 30+ common questions about mortgages, rates, credit scores, and the Michigan homebuying process.
View All FAQs →Annual Review
Schedule your free annual mortgage review to ensure you still have the best rate and terms available.
Schedule Free Review →Michigan Mortgage Broker — Serving All 83 Counties
From Detroit metro to the Upper Peninsula, Edward is licensed throughout all of Michigan. Wherever you’re buying, your Michigan mortgage broker is ready to help. For housing resources, visit HUD.gov.
Frequently Asked Questions
Quick answers to common Michigan mortgage questions. Contact Edward directly or visit the full FAQ page.
QWhat credit score do I need to buy a home in Michigan?
FHA loans accept scores as low as 580 with 3.5% down. Conventional loans typically require 620+. VA and USDA loans have flexible requirements. Edward reviews your full credit profile and recommends the best program for your situation.
QHow much down payment do I need in Michigan?
VA and USDA loans offer 0% down for eligible buyers. FHA requires just 3.5% down. Conventional loans start at 3% for first-time buyers. Michigan down payment assistance programs can help further reduce upfront costs.
QHow long does it take to get pre-approved?
In most cases, Edward can get you pre-approved within 24 hours of receiving your completed application and documents. Call (616) 633-3692 to get started today.
QWhy work with a Michigan mortgage broker instead of a bank?
A Michigan mortgage broker shops your loan across 12+ wholesale lenders simultaneously. Banks can only offer their own products at retail rates. Edward’s wholesale access typically delivers better rates and more program options than any single bank can offer.
QWhat are closing costs in Michigan?
Closing costs in Michigan typically range from 2–5% of the loan amount. Edward provides a detailed Loan Estimate early in the process so there are never any surprises at the closing table.
QWhat makes Edward Kalavitz different from other Michigan mortgage brokers?
Edward holds dual licenses — both a Michigan mortgage broker license (NMLS #138424) and a Michigan realtor license (#6501386956). He handles both your financing strategy and your real estate guidance as one professional, eliminating coordination delays and giving you a single trusted point of contact throughout the entire transaction.
QDo you charge fees for your mortgage broker services?
Consultations and pre-approvals are always free. As a mortgage broker, Edward is typically compensated by the lender at closing — not by you. Full transparency on all costs is provided upfront before you commit to anything.
QHow do I get started with a Michigan mortgage application?
Apply online through Edward’s secure portal, call or text (616) 633-3692, or schedule a free consultation. Edward is available Monday–Friday 8 AM–8 PM and Saturday–Sunday 9 AM–8 PM including every holiday.
QWhat are current mortgage rates in Michigan?
Rates change daily and vary by loan program, credit score, down payment and property type. Today’s rates for every program — with the APR alongside each one — are shown in the rate table above. For a rate quoted to your actual scenario rather than a sample, call or text (616) 633-3692.
QHow long does it take to close on a Michigan home?
Most Michigan purchase loans close in 30–45 days from accepted offer, and refinances often sooner. The timeline depends on appraisal scheduling, how quickly documents come back, and the closing date in your purchase agreement. Edward tracks every milestone and tells you early if anything looks like it will slip.
QWhat documents do I need for a Michigan mortgage application?
For most borrowers: two years of W-2s and tax returns, your two most recent pay stubs, two months of bank statements, and photo ID. Self-employed borrowers may use bank statements instead of tax returns. Edward sends a personalised checklist so you are never guessing what is still outstanding.
What Michigan Homebuyers Say
Real reviews from real clients. Your Michigan mortgage broker has helped hundreds of families across all 83 counties achieve homeownership.
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“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
— Susan Parsley | Google Review
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“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
— Justin Schneider | Google Review
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“Realtor & Lender — Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a realtor and lender — great to have 2 in 1. We could look at houses and run numbers the same day.”
— Mallory Anderson | First-Time Homebuyer | Google Review
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“Above and Beyond — Twice”
“Edward is a great realtor and loan officer. He helped my fiancé and I buy our first home. We called him back for our forever home. He again went above and beyond.”
— Anthony Smolenski | Repeat Client | Google Review
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“Closing Came Sooner Than Anticipated”
“Edward was up front, professional and most helpful. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.”
— Dennis Bowman | Refinance Client | Google Review
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“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
— Paula Hilliard | Google Review
Ready to Start Your Homeownership Journey?
Whether you’re buying your first home, upgrading, or refinancing, your Michigan mortgage broker is here to guide you every step of the way — with wholesale rates, 7-day availability, and 25+ years of experience.
Or call/text anytime: (616) 633-3692
Work With Edward Kalavitz
Dual-licensed Realtor & Mortgage Loan Originator — one trusted professional for your entire Michigan transaction.
Available When You Need Answers
Mortgage questions don’t wait for business hours — and neither does Edward Kalavitz.