One Stop Financial Group, LLC

10/16/2026

One lender. Five states.

Licensed in Michigan, Ohio, Indiana, Texas and Florida. If you are relocating for work, buying a second home, or investing out of state, you do not have to start over with a stranger in a new market.

Same process. Same person. Same standard.

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/16/2026

Pre-approved is not a finish line. Five things quietly undo an approval:

1. Opening a new credit card or financing a car
2. Changing jobs without telling your lender first
3. Making a large, unexplained deposit
4. Co-signing anything for anyone
5. Closing an old account — the age on it is helping you

None of these are automatically fatal. The problem is doing them and saying nothing, then having it surface at underwriting.

Tell us first and it is a five-minute conversation. Say nothing and it is a delay.

📞 (810) 955-3166 | onestopfinancialgroup.com
Carrie Stiff | Senior Loan Officer | NMLS #134696
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/15/2026

Your next down payment may already be sitting in your house.

If you have owned for a few years, there is often real equity between what you have paid down and what the home is now worth. That equity can fund the next purchase — you may not need to save a second down payment from scratch.

The question worth asking: what is your house actually worth to you right now?

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/15/2026

Buy the house nobody else wants. It is usually the one with the upside.

The kitchen from 1988. The listing that has been sitting. The one that gets skipped in every showing.

A 203(k) loan finances the purchase and the renovation together:

• One loan, not two
• You buy at today's value and do the work after closing
• It appraises finished, so the value is based on the completed home

Not every lender wants to do these. We do.

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/14/2026

Your pre-approval has an expiration date. Most buyers do not know theirs.

It is usually 60 to 90 days. If it lapses in the middle of your search, you are not back where you started — you are behind the buyers whose letters are still current.

Know the date before you write an offer. If it is close, we renew it. It takes minutes, not weeks.

📞 (810) 955-3166 | onestopfinancialgroup.com
Carrie Stiff | Senior Loan Officer | NMLS #134696
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/14/2026

PMI is not forever — and it is the most misunderstood line on a mortgage.

Conventional: it falls off as you pay the balance down, and you can often ask sooner once your home value supports it.

FHA: in most cases it stays for the life of the loan. That single difference is why both are worth comparing side by side.

If you are paying mortgage insurance right now, ask me where you actually stand. It is one conversation.

📞 (810) 955-3166 | onestopfinancialgroup.com
Carrie Stiff | Senior Loan Officer | NMLS #134696
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/13/2026

Stop asking for a rate. Start asking for a plan.

A rate is a single number that changes with the market. A plan covers what your payment looks like when your taxes adjust, what happens if your credit moves, and what the seller can actually contribute.

The borrowers who do best are not the ones who got the lowest number that day. They are the ones who understood what they were signing.

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/13/2026

"Your tax returns are the problem." I hear it every week, and it is almost never true.

Being self-employed does not mean you are declined. It means you are documented differently:

• Bank statement loans — 12 to 24 months of deposits instead of tax returns
• DSCR — an investment property qualifies on its own rent, not your personal income
• 1099 and asset depletion — built for contractors and buyers with reserves

One story does not fit every borrower. Let me read yours properly.

📞 (419) 699-5661 | onestopfinancialgroup.com
Lydia Kamoua | Loan Officer | NMLS #2303892
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

Get low mortgage rates in seconds with a Berkley Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.

10/12/2026

The rate is not the payment. It never was.

Your payment is principal, interest, taxes, insurance — and if your down payment is small, mortgage insurance on top. Five moving parts, and the rate is only one of them.

Anyone can quote you a number. Very few will show you all five and tell you which ones can still change.

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.

10/12/2026

Your Loan Estimate is three numbers. Everything else on that page is detail.

① The loan amount — what you are actually borrowing, not the purchase price.
② Total closing costs — every lender fee, title charge and prepaid, on one line.
③ The monthly breakdown — principal, interest, taxes, insurance and mortgage insurance, listed separately.

It arrives within 3 business days of your application. Most people skim it and sign it. Read it, and ask about anything you do not recognize.

📞 (248) 255-5429 | onestopfinancialgroup.com
Jason Glass | Broker Owner | NMLS #130214
One Stop Financial Group, LLC | Equal Housing Lender
NMLS #130214 (Individual) | NMLS #1477847 (Company)
Licensed in Michigan, Ohio, Indiana, Texas and Florida.