FHA & VA Appraisal Checklist
Help spot potential appraisal issues before they become closing issues.
Get the ChecklistFor Realtors
Mortgage Tools & Financing Resources for Michigan Realtors
Fast answers, experienced problem-solving and direct access when your client or transaction needs more than a generic pre-approval letter.
Send the scenario before you assume the answer is no.
Realtors do not need another lender sending rate memes. You need someone who can answer the phone, review a buyer, explain the tradeoffs and help solve problems before they become closing problems.
Pre-Approval
Stronger buyer conversations
Review payment, cash-to-close, documentation and likely underwriting issues before the offer.
Second Opinion
Tough scenario?
A decline or bad answer from one lender may not be the last word when another program or wholesale lender fits.
Renovation
Expand the inventory
Help buyers consider homes that need eligible repairs, updates or layout changes.
Realtor resources
Low appraisal guide
What the buyer and agent should understand when value misses contract price.Renovation financing: adding bedrooms
A useful talking point for listings with layout or functional-obsolescence issues.Second-opinion mortgage review
For buyers who already have a lender but want another set of eyes.
What the buyer and agent should understand when value misses contract price.Renovation financing: adding bedrooms
A useful talking point for listings with layout or functional-obsolescence issues.Second-opinion mortgage review
For buyers who already have a lender but want another set of eyes.
Need an answer now?
Call or text Mike directly at 616-319-1640. For sensitive borrower information, use a secure application or approved document channel rather than ordinary email.
Working with a Lansing-area buyer?
Bring the property, timeline and unresolved financing question to your Lansing mortgage partner for Realtors. Use the agent mortgage guide, condo questions and Lansing VA and FHA appraisal guidance to prepare before an offer.
A useful first message about a difficult transaction
Describe the property type, financing deadline and general obstacle. Leave borrower names and sensitive financial details out of the initial message. Mike can explain what needs review and the secure route for supporting documents.
Have an Oakland County buyer scenario?
Start with the property type, financing question and deadline. You will also find an appraisal checklist and guides to help with the next buyer conversation.
Tools to use before the offer
- FHA and VA appraisal checklist: prepare property questions, then connect the buyer to the FHA or VA consumer guide.
- Renovation loan comparison: discuss a repair scope before assuming the buyer must pay for every improvement separately.
- Low-appraisal options: review financing and negotiation questions when value falls below the offer.
- Condo financing considerations in the Holland guide: identify project and association questions early.
- Eight-day VA clear-to-close case study: an example of preparation, not a timeline guarantee.
- More real mortgage examples: connect a buyer’s obstacle with a relevant financing conversation.
For a buyer’s first conversation, start with payment and cash-to-close planning or the loan-program comparison hub. Text Mike at 616-319-1640 with a general scenario and deadline; use an approved secure channel for borrower documents.
Choose the resource for your buyer’s next decision
- Condo offer: review Fannie Mae and Freddie Mac condo financing changes, then collect project documents and identify the lender’s review path.
- Payment estimate: use the Michigan property-tax uncapping guide to question estimates based on the seller’s tax bill. Confirm the parcel and occupancy assumptions with the assessor.
- Business-owner buyer: start with the self-employed documentation comparison. Use the bank-statement guide when an alternative income method needs review.
- Budget conversation: open the Michigan affordability calculator and include taxes, insurance and association dues.
A useful handoff before an offer
Share the property address, transaction type, target closing date and general financing question. Identify who will obtain missing association, appraisal or income documents and when the buyer needs an answer. Keep borrower names, account numbers and financial records out of ordinary email or text; ask for the approved secure route.
Ask Mike about a buyer scenario or call 616-319-1640. A conversation helps identify questions; it does not guarantee a loan approval or closing date.