David J. Toth with John Adams Mortgage

David J. Toth with John Adams Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from David J. Toth with John Adams Mortgage, Mortgage brokers, 47800 Gratiot Avenue, Chesterfield Township, MI.

Ready to explore your purchasing possibilities? One of the most common first questions I get from clients is, “How much ...
07/25/2023

Ready to explore your purchasing possibilities? One of the most common first questions I get from clients is, “How much can I afford to borrow?”

After a quick consultation with me, this question will be answered. You’ll have a solid number in mind, so you begin your search in a comfortable price range that’s in line with your budget and lifestyle. It’s my goal that you feel confident and informed right from the start.

Contact me today to get started.

An Escrow Holdback helps buyers make necessary repairs on the home they are purchasing. This is an optional add-on step ...
07/18/2023

An Escrow Holdback helps buyers make necessary repairs on the home they are purchasing. This is an optional add-on step where extra funds are collected for the required repairs. Upon project completion, the funds are distributed according to the agreement.

Please reach out for more info.

Whether you’re at the pool or having a picnic at the park, no matter where you’re enjoying your sweet summertime, you’ll...
07/11/2023

Whether you’re at the pool or having a picnic at the park, no matter where you’re enjoying your sweet summertime, you’ll always be kept in the LOOP with your mortgage process. LOOP is our mortgage app, which allows you to manage your mortgage right from your phone. You can:

- Apply for pre-approval
- Securely scan and submit financial docs
- Track your transaction in real time
- Crunch numbers with a range of calculators
- Communicate with your loan officer (and real estate agent)
- And more!

LOOP makes it convenient for you and even leads to a faster overall home loan experience. Ready to get pre-approved? Reach out to me today and I'll send you a direct link for LOOP.

While we celebrate America’s birthday with BBQs and firework shows, let's also keep in mind those who have protected our...
07/04/2023

While we celebrate America’s birthday with BBQs and firework shows, let's also keep in mind those who have protected our home so we can celebrate many more birthdays to come. 🇺🇸 We offer a VA Loan program for the brave individuals who serve our country.

Our VA Loan is for active, non-active, and retired Army, Air Force, Marine, Navy, National Guard, and Coastal Guard veterans who meet the established service requirements.

Whether you are ready to buy now or need support in preparing for homeownership, I can help.

Fannie Mae just came out with data from a recent study about the important factors considered as a part of creating "The...
06/27/2023

Fannie Mae just came out with data from a recent study about the important factors considered as a part of creating "The Good Life." There were 11 factors ranked and 3 of the top 6 were housing-related factors.

A valuable takeaway from this study is how important homeownership continues to be. It creates generational wealth. It creates financial security. It creates happiness.

And based on this study, it creates "The Good Life!"

Owning your home builds generational wealth. 💵 What exactly does that mean?Generational wealth refers to assets accumula...
06/25/2023

Owning your home builds generational wealth. 💵 What exactly does that mean?

Generational wealth refers to assets accumulated over time that can be passed down from one generation to the next, creating a solid financial foundation for your family's future. One of the biggest assets that build generational wealth is… your home! 🏠

Real estate continues to be an investment that proves to increase in value over time. Create and leave a long term legacy for your family. 💫 I'm here to help you get started. Reach out today!

First-time homebuyers, did you know that there are down payment assistance programs available to help you achieve your d...
06/18/2023

First-time homebuyers, did you know that there are down payment assistance programs available to help you achieve your dream of homeownership? 🌟

These programs provide financial assistance to cover the upfront costs of a home purchase, including down payment and closing costs. Eligibility requirements may vary depending on the program, but typically include:

🔵 Income limits
🔵 Credit score requirements
🔵 Completion of a homebuyer education course

Don't let upfront costs hold you back from achieving your homeownership dreams. Reach out today to learn more and see if you qualify.

Your credit score reflects how well you've managed credit in the past and how likely you are to pay back borrowed money ...
06/11/2023

Your credit score reflects how well you've managed credit in the past and how likely you are to pay back borrowed money in the future. 💸

It's calculated based on various factors from the borrower's credit history, including:

1️⃣ Payment history: Do you make payments on time?
2️⃣ Credit utilization: What’s your credit card balance compared to your credit limit?
3️⃣ Length of credit history: How long have you had credit accounts open?
4️⃣ Credit mix: Do you have a variety of credit accounts, such as credit cards and loans?
5️⃣ New credit: How many new accounts have you opened recently and how many hard inquiries have been generated?

Have further questions about your credit score? Reach out to me!

June is National Homeownership Month. 🏠 I'm here to help you make homeownership happen. If you’re not sure where to begi...
06/01/2023

June is National Homeownership Month. 🏠 I'm here to help you make homeownership happen. If you’re not sure where to begin, my best advice is to set up a free consultation with me. I will help you:

✅ Check your credit and offer advice if you need to raise your score.
💰 Determine your budget and match you with the best loan program.
👍 Get you pre-approved, so you can house hunt within your price range.

Take the next step toward your homeownership dream by reaching out.

Great news! MSHDA’s state bond mortgage program has increased the number of eligible households for their program. As of...
05/22/2023

Great news! MSHDA’s state bond mortgage program has increased the number of eligible households for their program. As of May 19, 2023, there is no longer a requirement for all eligible adult household members to credit qualify and be on the mortgage note.

- All income for all residents must be counted towards the income cap with full documentation of income.
- Non- applicants that will reside in the home must sign application affidavits specific to this usage.
- Non- applicant spouses must sign the MORTGAGE(S), but not the note.
- All other MSHDA guidelines will remain the same.

Please reach out to me for more info!

It’s important to always keep your loan officer up to speed. Buyers, be sure to communicate with me during each of these...
05/21/2023

It’s important to always keep your loan officer up to speed. Buyers, be sure to communicate with me during each of these key milestones.

🌟Pre-approval. Before you start shopping, get a pre-approval from me.

🌟Sudden Changes. If your financial situation or employment status changes in any way as you’re looking, let me know right away.

🌟Property Selection. When you’ve found the home, tell me so I can start the loan application process.

🌟Loan Processing & Underwriting. Keep an eye on your phone and email during this time. I may contact you if any additional items are needed.

🌟Closing. Once the loan is approved, I will work with the title company to prepare the closing documents. Review the documents carefully and ask me any questions you have.

Overall, there is no such thing as too much communication. It's better to over-communicate than to leave anything to chance. I'm always happy to hear from you!

Address

47800 Gratiot Avenue
Chesterfield Township, MI
48051

Telephone

+15862427870

Website

Alerts

Be the first to know and let us send you an email when David J. Toth with John Adams Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to David J. Toth with John Adams Mortgage:

Shortcuts

Share

Category