Working with a broker gives you access to wholesale pricing — the same loans, same agencies, same guidelines — but without the markup retail lenders charge. You get stronger pricing, more strategy, and more flexibility.

• Wholesale rates: Lower margins than banks and retail lenders.
• More lender options: We’re not captive to one company’s pricing.
• Planning‑aligned advice: Loans structured around tax impact, retirement timing, and cash‑flow goals.
• No pressure: Compensation is fixed — no incentive to upsell.

We operate like a private‑client mortgage desk — not a retail call center. Every recommendation is tied to long‑term financial outcomes, not sales metrics. Our approach is calm, analytical, and rooted in financial planning.

We serve families in Grosse Pointe and the Lake St. Clair area who value clarity, expertise, and long‑term thinking. We routinely help:

• Self‑employed households with complex income
• Families with multiple properties or layered assets
• Clients aligning mortgages with retirement and tax planning
• Borrowers who want a strategic, non‑sales approach

We earn about 1.5% of the loan amount. It’s built into the rate — never added as a separate fee. The industry average is closer to 2%, which makes our model lean and competitive. No junk fees. No surprises.

Yes. We break down the math behind fixed vs. ARM, points vs. no points, recast vs. refinance, and long‑term interest cost so you can make informed decisions without guesswork.

Retail lenders build in higher margins to cover overhead, marketing, and call‑center staffing. Wholesale lenders operate leaner and only compensate brokers for closed loans, which eliminates retail markup.

• Retail margins: Typically 1.5–3% built into pricing.
• Wholesale margins: Leaner → lower rate.
• Broker comp: Fixed and capped — not tied to rate.

You get the same loan with better pricing and better advice — without retail friction. Brokers shop multiple lenders, compare pricing, and structure your loan around your broader financial plan. Retail lenders offer only their own pricing with higher internal margins.

Clients who value clarity and long‑term financial efficiency get the most from our process — especially those with complex income, multiple properties, or a desire to align mortgage decisions with tax and retirement planning.

Mortgage structure affects taxes, retirement timing, investment strategy, and cash flow. We evaluate financing options through a planner’s lens so you avoid costly or short‑sighted decisions.

• Break‑even math on points and buy‑downs
• Cash‑flow alignment with retirement plans
• Tax‑aware payoff and refinance strategy
• Long‑term cost optimization

A rate lock holds your interest rate for a set period while your loan moves through underwriting. Markets move every day, so timing matters. We watch the market, your closing timeline, and lender pricing to decide when to lock — aiming to balance risk, cost, and certainty rather than guessing or rushing.