Can You Use a Co-Signer or Non-Occupant Co-Borrower for a Mortgage in Michigan? (2026)
Can a parent, family member or co-signer help you qualify for a mortgage? Learn how non-occupant co-borrowers work in Michigan, including FHA and Conventional loan rules, income and debt requirements, credit considerations, down payments, and what happens if you want to remove the co-borrower later.
Read MoreMortgage Broker in Macomb County, Michigan: Complete Home Loan Guide for 2026
Looking for a mortgage broker in Macomb County, Michigan? Learn about Conventional, FHA, VA and USDA loans, first-time home buyer options, buying before selling, self-employed mortgages, refinancing, home equity and more. BrightSide Lending helps homebuyers and homeowners throughout Macomb County understand their options and choose a mortgage that fits their goals.
Read MoreCan You Buy a New Home Before Selling Your Current Home in Michigan? (2026 Guide)
Can you buy your next home before selling your current one? Learn how Michigan homeowners may qualify while owning both homes, access equity with a HELOC or bridge loan, coordinate simultaneous closings, use sale proceeds afterward, and decide whether buying or selling first makes more sense.
Read MoreMortgage Rate Lock Explained: When Should You Lock Your Mortgage Rate in Michigan? (2026)
When should you lock your mortgage rate? Learn how mortgage rate locks work, when it may make sense to lock or float, what happens if rates fall after you lock, rate-lock extensions, float-down options, discount points, and how Michigan homebuyers can manage interest-rate risk before closing.
Read MoreBuying a Home After Bankruptcy in Michigan: How Long Do You Have to Wait? (2026)
Buying a home after bankruptcy may be possible sooner than you think. Learn how Chapter 7 and Chapter 13 bankruptcy affect mortgage eligibility in Michigan, including FHA, Conventional, VA and USDA waiting periods, credit rebuilding, down payments and preparing for mortgage pre-approval.
Read MoreBank Statement Loans in Macomb Township: A Guide for Self-Employed Buyers
Self-employed and buying a home in Macomb Township? Learn how bank statement loans work, how lenders calculate qualifying income, personal vs. business statements, expense factors, down payments, credit, reserves, and how these loans compare with traditional mortgage options.
Read MoreCan You Get a Mortgage After Starting a New Job? What Michigan Homebuyers Need to Know (2026)
Starting a new job doesn’t necessarily mean you have to wait to buy a home. Learn how lenders evaluate recent job changes, employment offer letters, salary, commission income, career changes and employment gaps when qualifying for a mortgage.
Read MoreCan I Use a HELOC for a Down Payment on Another Home?
Can you use a HELOC for a down payment on another home? Learn how homeowners can access equity to buy before selling, how a HELOC affects mortgage qualification, and when a HELOC or bridge loan may make sense.
Read MoreUsing Overtime, Bonus, or Commission Income to Qualify for a Mortgage in Michigan (2026)
Can overtime, bonuses, or commission income help you qualify for a mortgage? Learn how lenders evaluate variable income, why income history and trends matter, and what Michigan homebuyers should know before getting pre-approved.
Read MoreDebt-to-Income Ratio for a Mortgage: What Michigan Homebuyers Need to Know (2026)
Your debt-to-income ratio can have a major impact on mortgage qualification. Learn how lenders calculate DTI, which debts count, how different loan programs treat DTI, and what Michigan homebuyers can do if their ratio is too high.
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