Home purchase
Mortgage Broker in Troy, Michigan: Home Loans & Buyer Guide (2026)
Buying a home in Troy, Michigan? Learn about mortgage options, pre-approval, down payments, closing costs, credit, bridge loans and the financing process. BrightSide Lending helps Troy homebuyers compare loan options and prepare for a successful closing.
Read MoreWhy Mortgage Rates Rose After the Fed Raised Rates, And Why Today’s Housing Market May Still Create an Opportunity for Buyers
Mortgage rates rose around the latest Fed rate hike, but the Fed does not directly set mortgage rates. Learn what is driving rates, why buyers may have more negotiating power today, and how a future refinance could factor into your plans.
Read MoreMortgage Broker in Sterling Heights, Michigan: Home Loans & Buyer Guide (2026)
Buying a home in Sterling Heights, Michigan? Learn about Conventional, FHA and VA loans, down payment options, credit and income requirements, closing costs, appraisals, buying before selling and more in BrightSide Lending’s complete 2026 Sterling Heights homebuyer guide.
Read MoreMortgage Appraisal vs. Home Inspection: What’s the Difference for Michigan Homebuyers? (2026)
What’s the difference between a mortgage appraisal and a home inspection? This complete guide explains what Michigan homebuyers need to know about appraisals, inspections, FHA and VA property requirements, low appraisals, appraisal gaps, appraisal waivers, repair issues and what each process means for your mortgage.
Read MoreCan 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 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 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 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.
Read MoreMortgage Underwriting Explained: What Michigan Homebuyers Should Expect in 2026
Mortgage underwriting is one of the most important steps between pre-approval and closing. Learn what underwriters review, why they request additional documents, what conditional approval means, and how Michigan homebuyers can help keep their mortgage on track.
Read More
