Mortgage Broker Serving Grosse Pointe Buyers and Homeowners
Jumbo mortgages, home purchase loans, refinancing, self-employed mortgage solutions, and homeownership financial planning — guided by a Certified Financial Planner™.
Call 313-380-4740 or start your pre-qualification onlineTetra Home Loans is a boutique mortgage brokerage built for Grosse Pointe buyers and homeowners who expect more than a rate quote. We pair financial planning expertise with access to a broad network of lenders to structure loans that serve your long-term financial health.
Why Grosse Pointe Borrowers Choose Tetra
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CFP® credential means your mortgage fits your financial plan. Unlike most brokers who only evaluate your loan in isolation, Tetra considers how your mortgage interacts with taxes, retirement, and wealth building. (Learn about CFP® standards)
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Broker access to multiple lenders, not just one bank's products. As a mortgage broker, Tetra shops your loan across a wide network to find the best rate, terms, and program for your situation. (CFPB: broker vs. lender)
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Specialization in complex income and jumbo loans. Self-employed borrowers, retirees using asset depletion, real estate investors, and buyers of high-value Grosse Pointe homes all require expertise beyond standard underwriting. (CFPB homeownership guide)
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Deep knowledge of the Grosse Pointe real estate market. From historic homes in the Park to lakefront estates on Lakeshore Drive, Tetra understands the unique appraisal, insurance, and financing challenges of this community.
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Boutique service, not a call center. You work directly with your advisor from consultation through closing. No handoffs, no impersonal 800 numbers.
Mortgage Services
Home Purchase Loans
Conventional, FHA, VA, and jumbo mortgage options for buyers across all five Grosse Pointes. Includes pre-approval support to strengthen your offer in competitive situations.
Jumbo Mortgages
Financing for homes that exceed conforming loan limits — common in Grosse Pointe Shores and Farms where properties regularly list above $800,000. Tailored underwriting for high-value purchases.
Mortgage Refinancing
Rate-and-term refinance, cash-out refinance, and strategic restructuring for homeowners looking to lower payments, shorten their term, or access equity. Every refinance includes a break-even analysis.
Self-Employed & Non-Traditional Income Loans
Bank statement loans, asset depletion programs for retirees, and 1099 contractor mortgages. For borrowers whose income doesn't follow the W-2 playbook.
Homeownership Financial Planning
Leveraging CFP® expertise to evaluate how a mortgage fits within your tax strategy, retirement plan, and long-term wealth goals. Especially valuable for move-up buyers, pre-retirees, and high-net-worth households.
Investment Property Financing
Financing for rental properties, multi-family buildings, and real estate portfolios in the Grosse Pointe area. Programs available for investors purchasing with conventional or non-traditional qualification methods.
Frequently Asked Questions
What makes Tetra Home Loans different from other Grosse Pointe mortgage brokers?
Does Tetra Home Loans offer jumbo mortgages for Grosse Pointe homes?
Can I get a mortgage if I'm self-employed or have non-traditional income?
What areas does Tetra Home Loans serve?
How long does the mortgage pre-approval process take?
What is a Certified Financial Planner and why does it matter for my mortgage?
Should I refinance my Grosse Pointe home?
What is the difference between a mortgage broker and a mortgage lender?
Based in Grosse Pointe Shores
Tetra Home Loans is based along Lakeshore Drive in Grosse Pointe Shores, in the heart of the community we serve. We meet clients however works best for them — virtual consultations, in-person meetings at your home, or at a location convenient to you.
Your Mortgage Should Work as Hard as You Do
Get guidance from a CFP® professional who understands Grosse Pointe real estate and builds mortgages around your financial future.
313-380-4740Start Your Pre-Qualification