Your Mortgage Guy Chris- Chris DeRosier

Your Mortgage Guy Chris- Chris DeRosier Staunton Financial, Inc DBA John Adams Mortgage
Company NMLS #140012
Individual NMLS ID #1037414

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned ...
09/07/2026

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned long weekend — enjoy every minute of it. 🙌

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a ...
09/07/2026

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a big difference. Here's a quick guide: 📋

✅ DO:
• Get pre-qualified early 🏁
• Save consistently for your down payment and closing costs 💰
• Pay bills on time to protect your credit score 📅
• Keep your employment situation stable 💼
• Ask questions — no question is too small 🙋

❌ DON'T:
• Open new lines of credit or apply for new loans
• Make large unexplained deposits into your bank accounts 🏦
• Change jobs right before applying (if you can help it)
• Make big purchases — cars, furniture, appliances can wait 🛑
• Co-sign on someone else's loan

Some of these might seem obvious, but you'd be surprised how often small decisions before closing can complicate the process. The good news? We walk you through all of it. 🏠 Contact us today to get started on the right foot!

09/04/2026

Here is a great look at the market results that shows the past weeks average offered rate offerings along with a week over week indicator and rolling 12 month range and other historical data

Individual borrower profiles and situations vary so making sure that you and your buyers talk to me to find out their individual qualifications and answer any questions that you may

If you are looking to purchase a new home or refinance your current home give me a call and we will work together to make sure that you are in the best mortgage for you.

homeownership knowyouroptions themoreyouknow mortgagesmarter mortgagelocal underwritingfirst goodtogo LIFELIBERTYANDTHEPURSUITOFHOMEOWNERSHIP grossepointehomes eastsideliving westsideliving buyMIhomes savenow savelater calltoday

Kids are going back to school and summer is winding down, that doesn't mean you have to wait until next spring to buy or...
09/02/2026

Kids are going back to school and summer is winding down, that doesn't mean you have to wait until next spring to buy or refinance your home.

Individual borrower profiles and situations vary so making sure that you and your buyers talk to me to find out their individual qualifications and answer any questions that you may

If you are looking to purchase a new home or refinance your current home give me a call and we will work together to make sure that you are in the best mortgage for you.

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible t...
09/01/2026

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible than you might think. 🏠 Here are a few worth knowing about:

• MSHDA — offers down payment assistance and competitive rates specifically for Michigan buyers 🙌
• FHA Loans — low down payment with flexible credit guidelines
• VA Loans — zero down for eligible veterans and active duty service members 🎖️
• USDA Loans — zero down for buyers in eligible rural and suburban areas 🌾
• Conventional Loans — as little as 3% down for qualified buyers 💪

These programs exist for a reason — contact us today and let's find the path that works for your situation! 🔑

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understan...
08/24/2026

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understanding. 📊 With an ARM, your interest rate is fixed for an initial period (commonly 5, 7, or 10 years), then adjusts periodically based on market conditions.

Pros: 👍
✅ Lower initial rate than a 30-year fixed.
✅ Can be an excellent fit if you plan to move or refinance before the adjustment period.

Cons: ⚠️
📉 Rate may rise after the fixed period.
📋 Less predictability over the long term.

ARMs aren't suitable for everyone — but for the right buyer, they can offer genuine savings. 💡 Let's discuss whether it makes sense for your situation. Contact us to explore all your mortgage options! 🏠

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you b...
08/17/2026

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you buy that cabin or waterfront property, here's what to keep in mind:

• Larger down payment required — vacation and investment properties typically need more down 💰
• Rental income is handled differently — if you plan to rent seasonally, lenders account for that income in a specific way 🏡
• Seasonal costs add up — insurance, utilities, and maintenance look different on a property you're not living in year-round ❄️
• Rural financing has unique nuances — not every lender is experienced with cabins and UP properties. We are. 🏠

We love helping Michiganders make their up north dream a reality. Contact us to explore your options today! 🔑

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your f...
08/10/2026

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your financial future. 🎒 If homeownership is one of your goals, here are a few straightforward ways to start building toward it:

💰 Set a monthly savings target specifically for your down payment.
📉 Pay down high-interest debt to improve your DTI ratio.
📊 Check your credit report for errors (available for free at annualcreditreport.com).
🏠 Investigate down payment assistance programs in your area.
📞 Schedule a free consultation with a mortgage professional — yes, us!

You don't need to have everything figured out before reaching out. That's what we're here for — to help you understand your current situation and where you need to go. 🏠 Contact us today, and let's create a plan!

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:✅...
08/03/2026

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:

✅ Lower your monthly payment 💸
✅ Secure a lower interest rate 📉
✅ Shorten your loan term ⏳
✅ Switch from an ARM to a fixed-rate loan 🔒
✅ Tap into your home's equity (cash-out refinance) 💰

A good rule of thumb: if you can lower your rate meaningfully, it's worth the conversation. But the right timing also depends on how long you plan to stay and what fees are involved. 💡 We'll help you run the numbers. Contact us to explore your refinance options! 💬

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1 Kercheval
Grosse Pointe Farms, MI
48236

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