Business Details
Trusted Mortgage Services in Grand Rapids
Team Mortgage has served West Michigan homeowners for over a decade, delivering exceptional customer service and tailored mortgage solutions. Our Grand Rapids-based team collaborates with multiple lenders to provide clients with diverse financing options, leveraging our industry expertise to secure competitive rates and faster approvals. We prioritize client satisfaction by offering personalized guidance, transparent communication, and no fees for standard applications.With a focus on reliability and timely service, we instill trust and confidence in every transaction. Our commitment to professional customer service, combined with a knowledgeable staff, ensures a seamless mortgage experience. We specialize in navigating complex loan programs, including VA, FHA, and USDA loans, while maintaining a steadfast dedication to our founding mission of putting customers first.
Services
Refinancing
Reverse Mortgage Loans
VA Loans
FHA Mortgages
Rural Development Loans
Zero Down Mortgages
Mortgage Loan Programs
Home Improvement Loans
Highlights and features
- We offer over a decade of experience in West Michigan mortgage services.
- Our team collaborates with multiple lenders to secure competitive financing options.
- We provide personalized guidance with transparent communication and no hidden fees.
- Our staff specializes in navigating complex loan programs like VA and FHA mortgages.
- We guarantee timely service and prioritize client satisfaction in every transaction.
Associations and certifications
- NMLS
What people say
Seamless process
Expert guidance
Timely communication
Competitive rates
Stress-free experience
Services
Refinancing
Our refinancing services help homeowners lower monthly payments, reduce interest rates, or convert adjustable-rate mortgages to fixed-rate loans. We specialize in streamlined programs like DU Refi Plus, offering flexible terms for Fannie Mae loans. Our team ensures a seamless process with competitive rates and expert guidance.
Reverse Mortgage Loans
Reverse mortgages allow seniors aged 62+ to access home equity without monthly payments. We offer HUD-insured HECM loans and jumbo cash-out options, providing financial flexibility for medical expenses or retirement. Our specialists ensure clear terms and compliance with loan requirements.
VA Loans
VA loans provide zero-down financing and favorable rates for veterans. We guide clients through VA-specific requirements, including eligibility verification and documentation. Our team ensures compliance with VA guidelines while maximizing benefits for military families.
FHA Mortgages
FHA loans offer low down payments (3.5%) and flexible credit requirements. We specialize in FHA 203(k) rehab loans for home improvements, ensuring compliance with HUD standards. Our experts simplify the application process for first-time buyers and investors.
Rural Development Loans
USDA loans provide 100% financing for homes in eligible rural areas. We assist with income verification, property eligibility, and application processing. Our team ensures compliance with USDA guidelines, offering low closing costs and fixed rates for qualified borrowers.
People
Thomas C Girardot
President | Senior Loan Officer
With over a decade of mortgage expertise, Thomas leads our team in delivering personalized loan solutions. He specializes in complex transactions and maintains a client-first approach, ensuring transparent communication and timely closings for homebuyers and refinancers.
Kelly Dugan
Senior Processor
Kelly oversees loan processing with meticulous attention to detail, ensuring compliance with industry regulations. Her expertise streamlines documentation workflows, reducing closing timelines while maintaining accuracy for a seamless client experience.
Jim Potts
Senior Loan Officer
Jim specializes in VA and FHA loans, guiding veterans and first-time buyers through financing options. His client-focused approach emphasizes education and transparency, helping clients achieve homeownership with tailored mortgage solutions.
Robin Button
Senior Mortgage Loan Officer
Robin provides expert guidance on refinancing and purchase loans, leveraging market knowledge to secure competitive rates. Her proactive communication ensures clients understand each step of the mortgage process.
Loretta Cetkovic
Loan Officer
Loretta specializes in rural development loans, assisting clients in qualifying for USDA financing. Her dedication to customer service ensures a smooth application process for low-income and first-time homebuyers.
Questions
Should I refinance my mortgage?
Refinancing is ideal if you can lower your rate significantly, reduce loan terms, or access home equity. We analyze your financial goals to determine if refinancing provides long-term savings.
What is a FICO score?
A FICO score is a credit rating (300-850) used by lenders to assess creditworthiness. Higher scores qualify for better mortgage rates and loan terms.
What documents are needed for a mortgage?
Typical requirements include proof of income (pay stubs, tax returns), asset statements, ID, and property details. Our team provides a customized checklist during pre-approval.
Can my loan be sold?
Yes, lenders may sell loans to investors. We disclose this possibility upfront and ensure continuity of service if your loan is transferred.
What is a rate lock?
A rate lock guarantees your mortgage interest rate for a set period, protecting against market fluctuations during the closing process.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an initial estimate based on self-reported data. Pre-approval involves verified financial documentation, providing a stronger buying position.
