Michelle Bolley Mortgage Loan Officer

10/24/2024

A little birdie told me about an educational event that some of you realtors may have just gone to, October's Best- one of the main focuses were the bridge loan...
I would LOVE to chat with you about the VALUE we offer for your clients here at FSB vs 'others'.
Them = 2% fee or MORE just to do the loan
Us = FLAT FEE of $1500!!!
What??? yup!
no one can offer close to what we do!
Others try to copy us and just can't figure it out, that's why we really are the best option for you and your client.
give me a call, shoot me a message or text.
Let's get these clients the BEST deal we can.
Simple
Affordable
Best lender around!
586-215-2608
https://mortgage.fsb.bank/Michelle
-First State Bank - Michigan

10/15/2024

Questions for today-
Do you WANT to own a home but think you just can't afford all of the costs or don't know where to start?
Do you have a credit score of 600+?
Do you have a job and have been working for the last 12 months?
Do you make less than $53,050 (for one person) a year?
Do you want to live in Macomb or Oakland County?
Do you like free money? LOL

I have a grant program though my bank that can make your dreams a reality... call me 586-215-2608
or apply today https://mortgage.fsb.bank/Michelle

10/03/2024

this was a FAST and pleasant experience. I really enjoyed working with Robert and Carly. They were super on top of everything even though the last experience they had with buying a home was a nightmare. they trusted me and I got the job DONE. I am here to help anyone with a purchase or refi, just give me a ring :)
586-215-2608

08/01/2024

Guess what???
RATES ARE DROPPING!!!
most of my clients rates are about half a percent higher than current rates. this is a savings of $120-140 a month.
What is your current rate if you have purchased in the past 12 months? Call me and I can review your mortgage. I may be able to save you money :)
586-215-2608

09/12/2022

It was such a pleasure getting to know Samantha and Jacob through this process, helping them was a joy! It's so great to know I could help make their lives easier.

07/14/2022

This is a big cost that most homebuyers don't realize that gets added to your payment every month.

If you put less than 20% down on your mortgage, you will have to pay for mortgage insurance. On a conventional mortgage, this will drop off after you reach 78% loan to value, but on an FHA loan you will be paying for this insurance for the life of your loan.

With the rise in home values, many people can refinance out of this extra cost. Call me to see if it makes sense to refi even with the rise in rates, sometimes you will actually save money!

07/13/2022

This is great news for the home shoppers! You *may* actually be able to negotiate a price.
Call me if you need to see how much home you can afford!

For the first time since June 2020, the portion of homes selling for above list price decreased.

Additionally, the average home isn't selling as far above list price as last year.

07/12/2022

Many people think... WHY should I hire a realtor?

I think, why would you NOT hire a realtor.

Selling a house is STRESSFUL! Not only do they ease that stress, here are some of the benefits of finding the perfect agent:

-Likely to get you more money for your property

-Likely to generate a speedier sale

-Help juggle all of the moving parts

-Can identify home improvements to help the sale

-Expert at setting the right price

-Provides a winning marketing strategy

-Manages and explains all of those documents

-Acts as a skilled negotiator

-Serves as an advocate from listing to closing

First thing to do is get with me to get pre-approved, then I can share some names of dedicated expert realtors for you to choose from.

CALL ME! 586-215-2608

-approval

07/08/2022

Seller concessions may not be 'the norm' right now, but we are getting back to a leveled market. Homes aren't selling as fast as they were and a seller may look at lowering the price.
BUT WAIT! (insert infomercial excitement here)
Did you know... the seller could offer concessions or rate buy down instead of lowering the price and it saves BOTH the buyer and the seller. That makes everyone happy!
Ask me how, I have it all mapped out.
586-215-2608

06/30/2022

Did you ever wonder why lenders do a title search? It's to ensure that the person selling the house can indeed sell it, that they are the owner and it is free and clear from any liens.

Any questions? Give me a call!