The home-buying process often starts months before the home is actually purchased. That was the case for Jeff and Jessica.
“We started the process initially in September of 2021,” Jessica said. “We decided that our home, a 500-suqare-foot rental, was too small for our growing family.”
“I knew that we would need to build some sort of credit so we started out with a self-credit builder (a loan that you get but can’t touch until it’s paid back),” she said. “Around February of 2022, my mother went through a divorce and moved into our two-bedroom rental. This is when we decided it was time to start actively looking for a home.”
Jeff and Jessica saw a home posted on Facebook by Realtor Jared Brown and fell in love. They reached out about the home and Jared suggested they contact Team Garrison at Michigan Mortgage to get pre-approved.
“We talked to Kim and she told us that our credit line needed to be six months and ours wasn’t,” Jessica said. “She gave us some tips on how to help increase our credit and we continued to build our score.”
“We stayed in contact with Michigan Mortgage while we built our credit over the next couple of months, and we did everything we could to make sure our credit was where it needed to be to get our home. My fiancé started out with no credit and currently has a 712.”
As soon as Jeff and Jessica hit the 6-month mark, they reached back out to Team Garrison. Everything started to move very quickly!
“Jared Brown was amazing he was super friendly and on the ball with everything we needed,” Jessica said. “We ended up seeing only three homes and offering on two…we ended up with the second one. As soon as I saw our now new home, I knew it was for us. It offered four bedrooms which was enough for all of us to live comfortably and have our own spaces, two bathrooms which is perfect for a growing family and the most perfect kitchen I have ever seen! And the location was exactly where we wanted.”
The home was truly a dream for their family.
“Michigan mortgage made everything easy in the process of helping us get exactly what we needed for our loan,” she said. “Our realtor Jared and Danielle from Michigan Mortgage even ended up working it out so that we were able to have some concessions from the sellers which made the process even the easier.”
“Michigan Mortgage was with us every step of the way they answered every question,” Jessica continued. “They did everything we needed them to do in a timely manner and because of them and our Realtor we are living a dream in our new home.”
Jeff and Jessica can’t wait to plant a garden, have friends and family over for summer BBQs and take walks around their new neighborhood.
“We don’t have everything together yet,” Jessica said. “Some things are a work in progress, bot no matter how much work it takes, it’s definitely worth it.”
Jeff and Jessica, we can’t thank you enough for putting your trust in us. We wish you many happy memories in your dream home!