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Buy a Home
Compare conventional, FHA, VA, USDA and low-down-payment paths before you make an offer.
See purchase options →Grand Rapids, Michigan Mortgage Broker
Grand Rapids Mortgage Broker for Michigan Home Buyers.
The first mortgage quote is only a starting point. Mike helps West Michigan buyers compare payment, cash-to-close, fees and available loan structures—so you can choose with the full picture in front of you.
Mike Alkema · Leeward Point Mortgage
What would a better mortgage look like for you?
Start with the outcome you want. Then compare the available ways to get there—before you commit to a lender or loan structure.
✓ First-time buyers
✓ VA & FHA
✓ Conventional
✓ Renovation
✓ Self-employed
✓ Non-QM
TALK THROUGH MY SCENARIO
Start where you are
What are you trying to accomplish?
Choose the situation that sounds most like yours. You’ll get a clearer next step without sorting through options that do not fit.
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Use Your VA Benefit
VA financing deserves careful guidance on eligibility, appraisal requirements, closing costs and offer strategy.
Explore Michigan VA Mortgage →↔
Self-Employed or Non-QM
Tax returns are not always the only way to document a borrower. Explore bank-statement and other alternative documentation options.
See self-employed options →Why a mortgage broker?
One application can open more than one door.
A bank is generally limited to its own menu. A mortgage broker can work with multiple wholesale lenders and match the scenario to available programs.
Compare structure, not just rate.
Rate matters. So do fees, mortgage insurance, cash-to-close, points, credits and future flexibility.
Rate matters. So do fees, mortgage insurance, cash-to-close, points, credits and future flexibility.
Have a difficult scenario?
A denial from one lender is not automatically a denial everywhere.
A denial from one lender is not automatically a denial everywhere.
Already pre-approved?
Send the numbers and compare before you commit.
Send the numbers and compare before you commit.
A clearer second opinion
Already have a pre-approval or Loan Estimate? Mike can walk through the payment, points, lender fees, credits and cash-to-close with you—line by line.
CALL/TEXT MIKEFor Realtors
Your lender affects your reputation, too.
Fast answers, clear communication, creative problem-solving and a second set of eyes on tough scenarios can help keep your buyers moving.
REALTOR PARTNER INFORenovation financing
Finance the house you want to create.
A renovation mortgage can turn condition, layout or needed improvements into part of the financing strategy.
SEE RENOVATION OPTIONSMore Mortgage Solutions
Find the financing path that matches the borrower.
FHA Loans
Lower-down-payment government financing for eligible buyers.
Explore FHA →First-Time Buyers
Build a price, payment and cash-to-close plan before house hunting.
First-time buyer guide →Investor & DSCR
Compare conventional investment and DSCR-style approaches.
Investor options →
Company NMLS #1823590
Mike Alkema NMLS #642953
Equal Housing Opportunity
Serving Michigan
Mortgage Resources
Answers before you apply.
Use practical guides for appraisal problems, renovation questions, first-time buying and comparing an existing pre-approval.