At Dividend Mortgage, we make getting a home loan a stress-free and satisfying process. We take the time to understand your needs, answer all your questions and help you find a lending program that makes financial sense. Whether you are a first-time homeowner looking for a no down payment mortgage loan or to refinance at lower mortgage rates, our experienced professionals have your back.
Join our long list of happy homeowners in Michigan! We offer the following loans with guidance to help you make the best choice thats right for you and your family. Interested in learning more about your credit score and what it means? Learn more about your credit score, reporting lines, and things you can do to make sure you're on the right track to get that home of your dreams!
Learn about the various loan types and programs we have to offer and the benefits that come with each of them. We also offer free estimates and other information to help you make the right decision for you and your family. We offer various tools and services to help you feel comfortable when making financial decisions.
Join our long list of happy homeowners in Michigan! We offer the following loans with guidance to help you make the best choice thats right for you and your family. Interested in learning more about your credit score and what it means? Learn more about your credit score, reporting lines, and things you can do to make sure you're on the right track to get that home of your dreams!
Learn about the various loan types and programs we have to offer and the benefits that come with each of them. We also offer free estimates and other information to help you make the right decision for you and your family. We offer various tools and services to help you feel comfortable when making financial decisions.
Services
Dividend Mortgage, Inc. was founded in 1993 with the knowledge and efforts of highly experienced lending professionals.
Our ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private.
The Dividend Mortgage name is trusted throughout the community.
To speak directly with an experienced mortgage professional simply give a call anytime or feel free to utilize any of the interactive tools offered throughout the site.
Our ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private.
The Dividend Mortgage name is trusted throughout the community.
To speak directly with an experienced mortgage professional simply give a call anytime or feel free to utilize any of the interactive tools offered throughout the site.
Our mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate to meet your needs.
With over 23 years in the mortgage business, Ken's extensive experience extends to FHA, VA and Conventional mortgages.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate to meet your needs.
With over 23 years in the mortgage business, Ken's extensive experience extends to FHA, VA and Conventional mortgages.
The good news is that your credit report is easy to obtain.
A 2003 federal regulation gave consumers access to one free report per year from each of the three main reporting bureaus: Equifax, Experian, and TransUnion.
An online report is generated after you answer a series of security questions, which typically take about 10 minutes to complete.
Many companies, financial institutions and lenders use the Fair Isaac Corporation (FICO) model to calculate credit scores based on your report.
Ranging from 300 to 850 points, 800 plus is exceptional, 740 to 799 is very good; 670 to 739 is the median range; 580 to 669 is fair; and 579 or lower is poor.
A 2003 federal regulation gave consumers access to one free report per year from each of the three main reporting bureaus: Equifax, Experian, and TransUnion.
An online report is generated after you answer a series of security questions, which typically take about 10 minutes to complete.
Many companies, financial institutions and lenders use the Fair Isaac Corporation (FICO) model to calculate credit scores based on your report.
Ranging from 300 to 850 points, 800 plus is exceptional, 740 to 799 is very good; 670 to 739 is the median range; 580 to 669 is fair; and 579 or lower is poor.
The thought of purchasing a new home is exciting; but it can also very easily be a bit overwhelming.
If you are looking to finance it with a mortgage loan, ensure your credit score supports your home-buying plans!
Our personal services and attention to your personal detail are what make the process that much smoother and successful.
Many first-time homeowners are unaware that credit reporting agencies utilize reporting lines on their credit reports to determine their creditworthiness and mortgage rates.
If you are looking to finance it with a mortgage loan, ensure your credit score supports your home-buying plans!
Our personal services and attention to your personal detail are what make the process that much smoother and successful.
Many first-time homeowners are unaware that credit reporting agencies utilize reporting lines on their credit reports to determine their creditworthiness and mortgage rates.
Debt-to-income ratio influences your FICO credit score, home loan application approval and mortgage rates.
Exercise caution in your financial activities and review your credit history regularly before applying for a mortgage loan.
Opening or closing credit accounts: It is important to demonstrate a history of responsible credit.
A new credit card could increase your debt-to-income ratio and reduce your credit score.
Closing a credit card to improve your rating is not a good idea either.
It could lower your overall available credit and negatively impact your score.
Exercise caution in your financial activities and review your credit history regularly before applying for a mortgage loan.
Opening or closing credit accounts: It is important to demonstrate a history of responsible credit.
A new credit card could increase your debt-to-income ratio and reduce your credit score.
Closing a credit card to improve your rating is not a good idea either.
It could lower your overall available credit and negatively impact your score.
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