Buying a home?
Understand down payments, closing costs and the steps to buying your first home in Michigan.
Explore the home buyer guide →
Your Lender for Life.
Buying your first home? Found a house? Wondering if you can qualify? Self-employed? VA? Or did another lender tell you no?
You don’t need to know which mortgage you need. That’s my job.
Tell me what’s going on. I’ll help you understand your options and figure out the next step.
No pressure. No obligation. Just a conversation.
Real People. Real Conversations. A Better Way Forward. Mike Alkema · Leeward Point · NMLS #642953.
Your Lender for Life.
Buying your first home? Found a house? Wondering if you can qualify? Self-employed? VA? Or did another lender tell you no?
You don’t need to know which mortgage you need. That’s my job.
Tell me what’s going on. I’ll help you understand your options and figure out the next step.
Tell Mike what you’re trying to do →Click here if you were referred by your RealtorNo pressure. No obligation. Just a conversation.

You don’t have to know the name of the loan. Start with your situation, and I’ll help you understand what to compare.
Understand down payments, closing costs and the steps to buying your first home in Michigan.
Explore the home buyer guide →Learn how tax returns, bank statements and 1099 income may fit different mortgage options.
Compare self-employed options →See how a DSCR calculation works and which property expenses to consider before deciding.
See the rental property checklist →For more than 30 years, I’ve helped people make mortgage decisions. And I’ve learned something:
The mortgage isn’t the most important part of this business. The relationship is.
I’m not interested in closing one loan and disappearing. I want to be the person you call years from now, when you’re thinking about moving. The person your kids call when they’re ready to buy their first home. And the person you’re comfortable introducing to somebody you care about.
That’s what Your Lender for Life means.
Click a question to start a conversation.

I’ll review the payment, points, lender fees, credits and cash-to-close and tell you what I see. Maybe you already have a great deal. Maybe there’s something worth changing.
Either way, you’ll know.
SEND MIKE MY LOAN ESTIMATE →No application required.Real conversations. Clear explanations. Relationships that last.
“Mike is very transparent and explains exactly where every dollar is going.”Brandon WilcoxFirst-time buyer
“he keeps it straightforward, and honest”Rhonda MartinezRepeat client
“The closing process was seamless and hassle-free, thanks to his meticulous organization and clear communication.”Ken WentlandHome buyer
“Along the whole way he was so responsive, kind, knowledgeable.”Devinie DeZeeuwMortgage client

Let’s Get Started.
Whether you’re buying tomorrow, six months from now, or simply trying to figure out what’s possible... tell me what’s going on. We’ll start there.