Izenbart Home Lending Team-Northpointe Bank 799806

05/19/2026

I recently worked with a self-employed client who was being pushed toward a much more expensive loan product elsewhere. After reviewing the full picture, I was able to help get them closed using a bank statement loan with a solid rate and terms that made far more sense for their situation.

Every borrower’s story is different — especially when you own a business, write off expenses, or have non-traditional income. Sometimes it just takes the right strategy and the right loan program.

If you’ve been told your options are limited, let’s talk before you give up or overpay.

11/14/2025

Proud of this kid

Snow Removal Services Available Now!
We are offering one-time pushes for snow removal in the Wyoming, Byron Center, Kentwood, and Grandville areas.

✅ Fully insured for your peace of mind
✅ Quick, reliable, and professional service

Don’t let the snow slow you down—contact us today to schedule your service!

11/13/2025

They denied my friend because they didn't read the whole return.
Restaurant owner. Good income. Clean credit.

Denied.

I looked at his tax returns for maybe 10 minutes and found the problem.

The other bank missed his depreciation. It was on a statement instead of a schedule where it normally shows up.

Not every CPA files things the same way. Some put stuff in different spots on the return.

This bank just... didnt look for it.

So on paper he looked like he made $60k less than he actually did.

Of course they denied him.

I found it. Added the income back in. He got approved.

One person's laziness almost cost him his house.

The thing that gets me is how often this happens. I've probably done this 20+ times now where someone gets turned down and I'm like "wait the depreciation is right here on this other statement."
It's not hidden or complicated…

You just have to actually read the return.

Most software flags the obvious stuff. But when a CPA does something slightly different? The loan officer has to know what they're looking for.

My friend is still a friend. Could easily not be if I didn't catch that.

Makes me wonder how many people are getting denied right now because someone just didn't look hard enough.

11/13/2025

She was about to lose $30,000.

Not because she couldn't afford the house. Because someone else screwed up her pre-approval.

Woman owned a nail salon for 10 months. Had $30,000 down with a builder. They were already building her house.

Then her lender turned her down.

$30,000 just gone if we couldn't figure it out.

Here's what I saw - 660 credit score, only 10 months self-employed as a business owner (she was a nail tech before that), and a collection dragging her score down.

Most lenders would've passed.

I pulled up the credit simulator. Without that one collection? Her score was 780.

Showed the underwriter. They made an exception.

Then we did bank statements instead of tax returns since she was so new. She was putting 30% down anyway.

Closed the loan. She kept her deposit. Got her house.

The wild part is she was already approved once. Someone just didn't do their job right the first time.

I don't know how many people are out there right now about to lose a deposit because their lender didn't actually look at the full picture.

Probably more than I want to think about.

10/15/2025

Though waiting for lower rates might seem tempting, the truth is — home prices and interest rates fluctuate.

And the equity you build by buying now? Can set you up for long-term financial growth.
Here’s why buying sooner rather than later is often the smarter move:

✅ Build equity with every mortgage payment — Unlike renting, you’re putting money toward owning something that will increase in value over time.

✅ Lock in a home now before prices go higher — Because home prices often rise over time, waiting could mean missing out on a home you love at today’s prices, making your dream home more expensive down the road.
✅ Take control of your financial future — Real estate is one of the most reliable ways to build wealth, and the sooner you start, the better.

Remember, homeownership is about more than just timing the market — it’s about making a smart investment in your future.

If you’re ready to start building your equity, don’t wait for something that may not happen. Let’s talk about how you can start building your future now.

https://myoc.io/httpsmyloannorthpointecomcontactid1553

01/21/2025

Snow Removal Services Available Now!
We are offering one-time pushes for snow removal in the Wyoming, Byron Center, Kentwood, and Grandville areas.

✅ Fully insured for your peace of mind
✅ Quick, reliable, and professional service

Don’t let the snow slow you down—contact us today to schedule your service!

12/14/2024

Sandieliz Otero Rodriguez tiene 16 años y desde anoche sus padres no saben de ella.
Desaparecio en la ciudad de Grand Rapids, MI.
Si usted sabe algo o la mira llame al 616-329-6572

12/07/2024

In need of emergency snow removal? Please contact us at 616-745-1795.