The Klyn Family

Success Story: The Klyn Family

At Michigan Mortgage, we strive to make life-long connections with our clients.

We commit to educating and advising long after the loan is closed and hope to reconnect with each family we serve at our annual customer appreciation events.

The Klyn FamilyThe Klyn family is no different. Loan Officer Amy Hendrickson and her team look forward to working with them every time they call.

“Amy treats you in such a way that you feel valued and want to be one of her clients for life,” David Klyn said. “We know that we are in good hands with Amy, and she is going to help us navigate through what can be a stressful time. Her thoroughness and attention to detail helps to calm our nerves and reduce stress.”

The Klyn family called Amy for the first time in 2019. Earlier this year, they purchased a new home via Michigan Mortgage and the Pro Snap app. They asked questions about another possible purchase and Amy answered all of them even though they opted against the transaction.

“Amy and her team are on top of responding to emails/phone calls and answering all of our questions,” David said. “I typically have a number of questions and Amy is always more than willing to answer these questions no matter how simple or dumb they are.  She is also willing to go over multiple scenarios based on different buying and selling options.”

This is one of the many reasons the Klyn family put their trust in Michigan Mortgage.

What do they like most about working with Amy and her team?

“Two reasons come to mind,” David said. “She is upfront and honest in everything she does.”

“Number two. Amy and her team have great service, treat you like family, and cover all the details.”

Our team is here to guide you every step of the way! And we appreciate the Klyn family for putting their trust in us each and every time they’re interested in making a real estate transaction.

Thomas Siuda

Success Story: Thomas Siuda

Change is hard – change following a national pandemic is even harder.

Thomas and his children set out to purchase a new home earlier this year following his divorce. COVID-19 and low interest rates made it more difficult than expected.

Inventory was extremely low and offers faced unprecedented competition, but Dave Lehner and his team at Michigan Mortgage were ready to help guide Thomas as soon as he found the right home.

“I made offers on four homes during my search,” Thomas said. “I missed out on each one, but that was in no way a reflection of Dave and his team. In each of these offers I made, I had estimates of what my closing costs and monthly payments would be.”

Thomas SiudaAfter four rejected offers, an offer was accepted, and Dave and his team went to work.

“The purchase itself was very simple due to the expert advice and team that I was working with,” Thomas said. “I had no hiccups along the way.”

“Right from the start, Jill was great to work with and set the tone for the entire process,” he said. “Everyone that I came in contact with from Dave’s team was friendly, easy to work with and was truly happy that my three kids and I found a home that we love.”

“Everyone from Dave to Jill to the entire team was welcoming, helpful and made my experience truly seamless.  It was simple and easy to follow what I needed to do and when.”

With the help of Pro Snap, most of the work was done via cell phone. Thomas applied via the app, securely scanned and uploaded the necessary documents and communicated with Team Lehner whenever needed.

“I enjoyed the whole experience from beginning to end,” Thomas said. “I was actually a little sad when I closed. I knew I would miss the communication with the team at Michigan Mortgage, but I did receive congratulations from everyone on our home.”

Thank you for trusting us to guide you home, Thomas! We enjoyed working with you.

The Grimm Family

Success Story: Thom & Tiffany Grimm

When it comes time to purchase a new home or refinance your current mortgage, there are hundreds of lenders available and ready to serve you.

Talking about income, credit score and debt is challenging, and may be even more difficult if you have a personal relationship with the lender.

The Grimm FamilyThom and Tiffany Grimm had no concerns when they called Dave Lehner and his team.

“Our family has known Dave for several years,” Thom said. “We have always entrusted the entire Michigan Mortgage team as they work with us and give us the most professional work.”

Earlier this year, Thom and Tiffany capitalized on low interest rates and refinanced a home loan they closed on in 2016. Dave and his team worked on that mortgage as well.

“There are lots of financing options available in West Michigan,” Dave said. “I am very thankful for those that have trusted my team and I to guide them home.”

Anytime a friend (or a new customer) reaches out to Michigan Mortgage, we count our blessings.

“We will continue to use Michigan Mortgage in any future transactions,” Thom said. “We wouldn’t think of using any other Mortgage Company.”

At Michigan Mortgage, our goal is to provide the best possible mortgage experience in a fun and friendly environment. When we’re able to do that with long-time friends and family members, the end result is that much sweeter.

“When friends and family reach out to me, it shows that they trust in me for advice and to take care of them,” Dave said. “When they do call, I let them know upfront that our relationship or friendship comes first. That is more important than business.”

“But I do promise to take care of them,” he said.

He appreciates their friendship and their willingness to put their trust in him.

“I want everyone to have a positive experience working with Michigan Mortgage,” Dave said. “My team works hard on every file because we take pride in what we do.”

“Our experience using Michigan Mortgage has been extremely enjoyable,” Tiffany said. “Working with Dave and the staff has been simple and easy. Dave is friendly, approachable, and understanding throughout the entire process.”

“They always exceed our expectations,” she continued. “They put us at ease making the process seamless and effortless on our end.”

We are so thankful that the Grimm family trusted us to guide them home (again)!

Success Story: Chris & Jenn VanHekken

2020 was a year unlike any other – it was a year that we will remember for the rest of our lives.

Most will remember the negative impacts COVID-19 had on our communities, but some, like Chris and Jenn VanHekken, will remember it as a year of changes.

“A year ago, we weren’t planning on moving, but once COVID hit, our lifestyle changed, and we realized that making a move closer to family was the best choice for us,” Chris said. “That, combined with the fast-moving market and amazingly low interest rates, helped us recognize that it was time for us to put our house on the market and go for it.”

Chris, Jenn and their two children lived in the same home for 18 years. The thought of moving seemed intimidating. We were in the middle of a global pandemic and Jenn is self-employed. The couple questioned whether or not they’d even be approved to purchase a home.

“It felt daunting to think about, until we called Hayley,” Jenn said. “She was so calm and helpful about the whole thing, and she had answers to the questions we didn’t even know we needed to ask.”

“We had a pre-approval amount right away, and every time we looked at a new house and had a question about what it would look like to be able to finance it, Hayley was there to answer our questions.”

In the middle of the process, the couple encountered a few “unexpected hiccups” and wasn’t sure if they would be able to finalize the new mortgage.

“While we were panicking, Hayley and her team worked tirelessly behind the scenes to shift and make adjustments for us,” Chris said. “In the end, we ended up with an even better rate than we could have imagined.”

For the VanHekken family, 2020 helped them put their priorities in order. They celebrated the purchase of a new home in a new community thanks to Hayley and her team.

“It has been the very best decision that we could have made for our family, but we definitely could not have done it without Michigan Mortgage,” Chris said. “From the knowledge that they have about the market, to the compassionate way that they worked with us through the difficult moments, and the joy that they shared with us when we finally closed, Michigan Mortgage was there with us every step of the way and truly helped us move into our absolute dream home.”

“From day one they had our best interest at heart and walked us through the process as if it were their own,” he said.

“We are so grateful for Hayley, her team, and the entire Michigan Mortgage family for helping us through the process,” Jenn said. “We would not be where we are without them!”

It was truly an honor to help guide this family home. We wish them many happy memories in their new community!

Success Story: The Villegas Family

Success Story: The Villegas Family

Things don’t always go as planned – the Villegas family knows that first hand.

The family, originally from Miami, encountered a few rough patches in 2017 and needed a fresh start. Family members encouraged them to get away from the expensive Florida city and move to Holland.

Success Story: The Villegas Family“We prepared our Miami home and decided to keep it to rent it out,” said Rey Villegas. “In April of 2018, we moved to Michigan and adjusted quickly from the big city to a small town.”

“We loved it!”

The family opted to rent for the remainder of 2018 and part of 2019 to save money before purchasing their Michigan dream home.

“We started looking for our home in May,” Rey said. “Our lease was coming to an end at our apartment and we made the promise to ourselves that we’d have a home after being in Michigan for one year.”

“We were looking for a home that was fairly new – no renovations needed – with very open space, a deck and a lake view.”

Shortly after beginning their search, they found their dream home in Riley Ridge and contacted the listing agent, Luke Bouman with At Home Realty.

“Working with Luke’s team was great,” Rey said. “We worked with Mary Van Vels and she was amazing. She was so understanding and very honest with us. They exceeded our expectations!”

The Villegas Family relied on their bank for financing. After receiving their pre-approval letter, the bank informed them that they weren’t qualified to purchase this specific home in Riley Ridge. Mary suggested they get in touch with Michigan Mortgage Loan Officer Amy Hendrickson for a second look.

“Amy gave my parent’s credit a second glance and was able to get us approved,” Rey said.

The family proceeded with financing with Amy and compared their experience to that of working with Mary – Amy went above and beyond and exceeded expectations.

“Amy was with us every step of the way,” Rey said. “We loved her attitude; she’s a very happy, positive person. We would recommend her to anyone!”

Now that the family is moved into their new Riley Ridge dream home, they’re looking forward to celebrating the four seasons in Michigan.

“We’re looking forward to summer nights by the bonfire roasting marshmallows, sitting on our deck in the winter drinking hot chocolate and hot apple cider in the fall,” Rey said.

“We are extremely happy!”

Success Story: A Holland Couple Looking for Their Forever Condo

Success Story: A Holland Couple Looking for Their Forever Condo

Good things come to those who wait. Sometimes the wait is short and sweet – sometimes the wait can last roughly two years.

A Holland couple looking for their forever condo experienced the latter.

Success Story: A Holland Couple Looking for Their Forever Condo“We wanted to purchase a condo but wanted one we felt was well built, in a nice area and within our price range,” the couple said. “Some of our must haves were storage, a sunroom, and outdoor space.”

“Many condo’s that we looked at were very nice but had little storage space.”

The couple asked to speak on the condition of anonymity because of their involvement in the local community.

The search took longer than expected, but the wait was worth it when they found the perfect place to call home.

Shortly after, the search continued. This time, though, they were searching for a reliable mortgage lender.

“We were introduced through our Realtor to Hayley after we were pre-approved through another financial institution and later told they could not finance us because the condominium by-laws would not pass their condominium underwriting,” the couple said.

“This lender told us at different points that he was almost ready to close. Needless to say, we were extremely disappointed.”

The couple relied on their Realtor, Joannie Bouman of Coldwell Banker, for a recommendation.

“Joannie told us about Hayley and was confident that she could assist us,” they said. “Hayley was given the information regarding the condominium by-laws and stated that the by-laws had a clause that would make this loan unsaleable. Hayley took our application and told us she would contact investors to look at this loan.”

Both Hayley and Joannie exceeded the couple’s expectations.

“Hayley kept us informed throughout the process and we felt encouraged,” they said. “She was so accommodating.”

“We were given a gift at closing and we felt that we should be giving her a gift.”

“Joannie was so helpful in deciding the asking price and also taking us through the process of selling our current home.”

After closing, the couple took the time to update the condo and turn their new house into a home. They moved in at the end of July and look forward to settling into their new lifestyle.

“We would highly recommend Hayley for your mortgage needs,” the couple said. “Thank you, Hayley, for a job well done!”

Success Story: LaTanya Jackson

Success Story: LaTanya Jackson

Credit improvement is no easy task. It takes time, effort, a pre-determined plan and a little help from a trusted advisor.

It’s hard work, but it’s worth it for those hoping to purchase their dream home.

“I began seriously working on my credit in January of 2018,” said LaTanya Jackson. “It took me a little over a year before I was ready to buy a house.”

Success Story: LaTanya JacksonWhen she was ready, her co-worker and friend, Nakia Cooper, suggested that she get in touch with Loan Officer Dave Lehner and his team at Michigan Mortgage.

“They welcomed me and my family in a way that made me feel like I was being taken care of from the very beginning,” LaTanya said. “Being a first-time homebuyer, they never made me feel bad about asking numerous questions.”

LaTanya enjoyed getting to know Dave and his team, but described her journey to homeownership as a “rollercoaster.”

“Oh boy – where do I start,” she said. “I would find a house and within 24 to 48 hours, it was off the market. Frustrated was an understatement. By the time I found ‘the one,’ I was at my wits end.”

LaTanya’s Realtor, Eric Sikkenga with Keller Williams Grand Rapids East, helped to smooth the ride.

“All I can say about my experience with him…FUN,” LaTanya said. “He did exactly what he said he would do. He got me into the home of my dreams!”

She calls that home “Heaven.”

LaTanya has yet to move in – she making a few must-have renovations beforehand – but she’s over the moon with joy.

“Even though it needs a few things, my home feels like a little piece of heaven,” she said.

We can’t imagine another move in LaTanya’s future, but if it is, Dave will be the first person she calls.

“Dave and his team exceeded my expectations,” she said. “They were so patient and understanding throughout the entire process.”

“Every email and call was given immediate attention. They made sure I was thoroughly informed about all of my options as a first-time homebuyer.”

We wish LaTanya and her family many happy memories in their new home!

Success Story: Dan Procko

Success Story: Dan Procko

When people hear the word “mortgage” they often think about the excitement of moving on from their current home and purchasing a new and improved dream home.

But sometimes, refinancing your current mortgage – and saving a ton of money along the way – can be equally as rewarding.

Dan Procko knows that first hand.

Success Story: Dan Procko“I purchased my home about five years ago when the market was hot and prices were much lower than they are today,” Dan said. “It was a bank foreclosure and needed some work, so shortly after the purchase I took out a home equity line of credit to make repairs and updates such as a new furnace, water heater, plumbing work, electrical and some cosmetic upgrades.”

“And now, a few years and a baby later, it’s time for another home improvement project,” he said. “I also wanted to consolidate some debt and refinance the HELOC into one mortgage payment.”

After receiving refinance incentives from his current lender, and analyzing the mortgage interest rates, Dan decided this summer was the right time to refinance.

“When the right time came, I had HomePoint Financial run a refinance scenario and, at the time, they offered me a no upfront appraisal fee incentive,” he said. “Then after running my credit and it was time to order the appraisal, they needed me to pay upfront and would not honor their incentive.”

“This prompted me to contact my realtor friend and she recommended Rob Garrison’s team at Michigan Mortgage.”

Dan reached out to Rob and his team via email. He received an immediate response that clearly laid out the steps and expectations related to refinancing.

“It was very simple,” he said. Rob and his team were quick to reply anytime Dan had questions. He was informed every step of the way.

“Michigan Mortgage was able to provide me a more competitive refinance estimate and consulted me about buying percentage points,” he said. “I felt comfortable moving forward with the credit check and ordering the appraisal.”

Dan’s comfort with Michigan Mortgage was reaffirmed when he met with the appraiser.

“First my realtor friend and now the appraiser has nothing but positive things to say about Michigan Mortgage,” he said. “The turn-around time was quick, the timeline provided was exceeded and the entire process could not have gone any smoother.”

As stated before, Dan’s refinance goal was to consolidate his existing mortgage and HELOC. When he officially closed in July, he accomplished so much more.

“I was also able to pay off a credit card, pay off my vehicle loan and have enough money to upgrade my electrical panel all while reducing my monthly bills by over $500 per month.”

A painless process, a lower interest rate and lots of money saved. What more could you ask for?

“The closing was quick and held right at the Michigan Mortgage location,” he said. “I was able to meet Rob and he introduced me to the team face-to-face, which I really appreciated in this online, email and texting world day and age.”

“I will recommend Michigan Mortgage and Rob Garrison to anyone looking to buy or refinance.”

Image showing a happy homeowner!

Success Story: Ashley Moran

Ashley Moran outgrew her Roosevelt Park home after five years of residence – it was time to move on to something new.

“There was no basement and I was running out of room for storage,” she said. “The backyard was huge; I had a hard time keeping up with the lawn work by myself.”

Her home sold without issue with the help of Nexes Realty professional Matt Johnson.

“Thankfully, my mom let me move back in for a few months until I was able to find my new home,” Ashley said. “I had been looking for a few months and May happened to be the lucky month when the right house came along!”

When she found the perfect home with lots of room for her “unhealthy shoe obsession,” she hit the ground running.

“Matt listens to his clients and finds exactly what they are looking for,” Ashley said. “I got a smaller yard, a walk-in closet and a kitchen with lots of cupboards. The house is only a few years old, so that’s a bonus!”

Unfortunately, on the lending side of the transaction, things didn’t go according to plan.

“My aunt and family friends referred me to Shawn Norden after I had some issues with another mortgage company,” Ashley said. “I called her in a panic because the mortgage company I was using was not the most trustworthy and my anxiety was through the roof.”

“Shawn had me send her my information and she had a majority of the work done on her end in 24 hours,” she said. “I was very pleased with how smoothly the process went.”

Shawn was able to relieve some of Ashley’s stresses and save her a little money along the way.

“Not only did Shawn lock me into a lower interest rate, but she saved me about $3,000 in closing costs,” Ashley said.

Now that she’s settled in, she’s taking the time to complete a few home-improvement projects and unpack her things. It’s been a busy few months, but she hopes the next few weeks will offer a little more free time to focus on her new home.

“I should start working on finishing the basement, but I don’t to spend my summer cooped up inside, so that will have to wait until later this year,” she said. “For now, I want to enjoy my beautiful deck in the backyard.”

“I’m so excited to have company over and grill out back there!”

Ashley hopes that this home is her forever home, but should she move again, Shawn and Matt will be at the top of her must-call list.

Image showing a family in front of their new home.

Success Story: Kaycie and Cody Cooper

Life doesn’t always go as planned. Bad things happen when we least expect it and surprises may be waiting for us around every turn.

For Kaycie and Cody Cooper, it was the latter. Life’s unexpected moments led them to their dream home in Hamilton when they weren’t even looking.

“We were living in a home that was a bit snug for our family of six, but the location was perfect and we were content,” Kaycie said. “While we knew we were not in our forever home, we figured we would stay put for another 3-5 years.”

According to the Cooper family, God had other plans.

The family that lived next door to the pair’s brother, sister-in-law and their children, experienced a life-changing event and needed to sell their home. This is where the unexpected moments began.

“When my sister-in-law caught wind of the possible sale, she contacted the owners and discovered that it was, in fact, true,” Kaycie said. “We got really excited because it was everything we could have wanted in our next home.”

“Although we were not necessarily ready for this process, we decided to jump in feet first and see where it led us,” Cody said.

The next few weeks went better than expected. The Coopers were able to sell their home very quickly. After one open house, six offers came pouring in.

“Doors just kept opening,” Cody said. “We were pleasantly surprised with how perfect everything worked out.”

When it came time for the not-so-exciting part of homeownership – the loan process – Kaycie relied on her sister-in-law for a recommendation.

“My sister-in-law suggested that we reach out to Amy,” she said. “They had just bought their home a year before and spoke rave reviews about Amy and her team at Michigan Mortgage. She said the process was ‘easy’ and that was exactly what we were looking for.”

The Cooper’s had a few specific expectations. They wanted to wrap things up quickly, wanted to work with someone who would walk them through the process with ease and wanted to make sure they were fully aware of what was happening, every paper they were signing and what to expect next.

“Amy did all of that and more,” Kaycie said. “I remember the first few conversations I had with Amy and how sweet and confident she was on the phone. She even let me bother her on the weekend! To me, that spoke volumes.”

“While I didn’t want to take away her time from her family, she understood that things come up and was willing to take a few minutes to answer my questions and steer me on the road moving forward,” Kaycie continued. “Since we were buying and selling at the same time, she was knowledgeable and willing to help with the entire process”

“I knew right away that I could trust her and that was something I really valued. I was always very surprised by how quickly she worked.”

“I felt very taken care of and felt like Amy truly cared,” she said. “When you are making a life decision as big as buying your dream home, this is very important. I feel like I couldn’t have been in better hands.”

Hamilton is a special place and the Copper’s had a truly special home-buying experience thanks to Amy and her team at Michigan Mortgage.

Not only did the new home had everything the couple wished for – a master closet, individual bedrooms for each of their four children, a fireplace, a big kitchen, a mud room and a pole barn for Cody – it had something no other home could offer.

“The added bonus is that we are right next to family,” Kaycie said. “Between the four of us, we have 10 children, all under the age of 14. These cousins are extremely excited to grow up together and will always have someone to play with.”

“We feel so fortunate and blessed to have been able to purchase our dream home even when we weren’t looking.”