Home Purchase Loans in Grosse Pointe.
Backed by a CFP who sees your whole financial picture. Every purchase closes with a full written financial plan, free.
Buying a home in the Pointes is the biggest financial decision most families make in a decade. It deserves more than a rate quote.
I'm David Rakecky, CFP®. I'm the only mortgage broker in Grosse Pointe who's also a Certified Financial Planner. That means I don't just structure your loan. I look at your retirement, your taxes, your cash flow, and your family plans, and I structure a mortgage that fits the life you're actually building. From historic Tudors in the Park to waterfront homes along Lakeshore Drive, every purchase gets the same process.
The Move-Up Blueprint™
What working with me actually looks like, from first conversation to closing day.
The Move-Up Blueprint Meeting
A 60-minute CFP-led financial intake before any pre-approval letter. We look at income, taxes, retirement, cash reserves, and family plans. You walk out knowing what loan actually fits your life, not just your paycheck.
The Multi-Lender Rate Shop
I shop your loan across my wholesale lender network and show you the comparison side by side. No black box. You see every option and pick the one that fits.
The Underwriting Stress Test
Before I submit your file, I run it through a simulated underwriting review. Income gaps, asset seasoning issues, DTI problems get caught in week one instead of week five. Fewer surprises, faster closings.
The Friday Check-In
A text update every Friday until closing, with your realtor copied in. Between Fridays, I'm reachable by text or call whenever you or your realtor need me.
The Homeowner's Wealth Plan
Within 30 days of closing, you receive a complete written financial plan: net worth snapshot, retirement trajectory with the new mortgage in place, gaps identified with dollar amounts, and a prioritized action plan. Yours to keep. This is the piece no other broker offers.
Every purchase closes with a written financial plan.
Most brokers shake your hand at closing and disappear. That's exactly the moment most families actually need help, because the new payment is in place, the cash reserves just shifted, and the retirement math changed.
Within 30 days of closing, I deliver a complete written financial plan: your net worth snapshot, your retirement trajectory with the new mortgage in place, specific gaps identified with dollar amounts, and a prioritized action plan. The plan is yours. Execute it yourself, or enroll in Tetra Wealth Management and I'll quarterback it for you.
What I place.
As a broker, I have access to dozens of wholesale lenders. These are the programs most Grosse Pointe buyers use.
Conventional Home Loans
The standard mortgage for qualified buyers. Fixed-rate and adjustable options, down payments from 3%, competitive wholesale pricing.
Learn more →Jumbo Mortgages
For 2026, any loan above $832,750 is a jumbo. Most Pointes buyers in the Farms and Shores fall into this range. I place them regularly.
Learn more →FHA Loans
Government-backed loans with lower credit thresholds and down payments starting at 3.5%. A strong path for first-time buyers entering the Pointes.
Learn more →VA Home Loans
Zero-down-payment mortgages for eligible veterans, active-duty service members, and surviving spouses. No PMI required.
Learn more →Adjustable-Rate Mortgages
Lower initial rates that adjust after a fixed period, typically 5, 7, or 10 years. Useful if you plan to sell, refinance, or pay down the balance before the reset.
Learn more →First-Time Buyer Loans
Loan programs and guidance for buyers purchasing their first home. We walk through down payment options, closing costs, and what to expect at every step.
Learn more →Specific situations I handle often.
If one of these sounds like you, the process is built for it.
Move-Up Pointes Families
Selling a first home and moving up within the Pointes. We coordinate the timing, structure the financing around your equity and cash reserves, and make sure the new payment still leaves room for retirement, college, and everything else.
Schedule a 15-minute call →Self-Employed, 1099, RSU, K-1 Income
Complicated income is one of my specialties. Bank statement loans, 1099 income, asset depletion, RSU equity comp, K-1 distributions. Big banks often say no or quote a number that doesn't reflect reality. I'll tell you what you actually qualify for based on how your income works.
Learn more →First-Time Buyers in the Pointes
Buying your first home in Grosse Pointe is different from buying a starter home in the suburbs. Property taxes, older housing stock, appraisal nuance, neighborhood dynamics. I walk you through all of it and help you avoid the first-home mistakes that cost real money.
Learn more →Lakefront and Historic Homes
Waterfront homes along Lakeshore Drive and historic properties across the Pointes carry unique appraisal, insurance, and flood-zone considerations. I've placed them, and I know which lenders get comfortable with them.
Learn more →From first call to closing day.
Four steps, specific timelines, no mystery.
15-Minute Intro Call
We talk through your timeline, goals, and whether Tetra is the right fit. No documents, no credit pull.
Move-Up Blueprint Meeting
60-minute CFP-led financial intake. I structure the loan around your whole financial picture.
Pre-Approval and Rate Shop
Same-day pre-approval. Verified approval in 2 business days. Multi-lender rate comparison delivered.
Close With Confidence
Friday updates through closing. Clear to close typically 7 to 10 business days after application.
Ready to buy a home in Grosse Pointe?
Start with a 15-minute intro call. We'll talk through your timeline, your goals, and whether Tetra is the right fit. No documents, no credit pull, no pressure.
Or call 313-380-4740