Michael Luedecking, Mortgage Loan Advisor

03/06/2026

I’m thrilled to announce that I’ve received the MortgageCX Award as one of the top loan officers at Flagstar for excellence in mortgage customer experience.

This one means a lot because it comes directly from feedback from the people who matter most in my business...my clients.

Grateful for everyone who trusted me through the home buying process. Looking forward to helping more families in 2026.

02/27/2026

Destination Home is a really strong option right now, especially with VERY COMPETITIVE rates.

No down payment options available, no mortgage insurance required, and minimum 600 credit score. This program was built to make homeownership more realistic for more people.

If you’ve been thinking you’re close but not quite there, this might be worth a conversation. Reach out and we can see if it fits your situation.

02/24/2026

Mortgage rates dipped back into the 5’s today, with the average 30-year fixed right around 5.99%.

Even small drops like this matter when you’re running numbers on a monthly payment.

If you’re wondering how rates impact your buying power or what your payment might look like at different prices and scenarios, I’d be happy to run the numbers for you.

This coverage is coming out earlier than normal due to a more interesting headline than normal. The average top-tier 30yr fixed rate fell back to 5.99% today, matching the levels seen only briefly back on January 9th, 2026 when the Fannie/Freddie bond buying plans were announced. Much like the last....

02/21/2026

Thinking of buying a home in Jackson, Michigan? Here’s how to snag the best deal in this competitive market!

You’ve probably heard that the Jackson housing market is hot right now, with homes selling quicker than ever. But don’t let that intimidate you! With the right approach and a bit of local insight, you can find a great home without feeling overwhelmed.

First, understand the market dynamics: Jackson's median home prices range from $139K to $182K, with properties averaging $207K to $213K in the county. Homes sell in about 23 to 54 days, so staying informed about these trends helps you jump on opportunities that match your budget.

Next, get pre-approved for a mortgage: This step puts you ahead by showing sellers you mean business. It makes your offer more appealing and helps you focus on homes within your financial comfort zone. Remember, most homes in Jackson are selling slightly below the list price, giving you some room to negotiate.

Another tip is to look for homes with potential. Consider houses that might need a little sprucing up. You might find a gem in neighborhoods like Bennett or Mound, where prices are quite friendly, starting at $118K.

Finally, rely on a local expert. Working with someone familiar with Jackson’s neighborhoods and market trends, like me, can help you navigate the process with confidence. We’ll work together to find the home that fits your needs without stretching your wallet.

Ready to take the plunge and find your dream home in Jackson? Let’s chat about your needs and make a plan that works best for you. Comment below or send me a message to get started! 🏡🔑🏠

Brock Spink
517-499-4755
[email protected]
brockspink.com
ERA Reardon Realty

02/20/2026

I often hear first time home buyers say they’re waiting for rates to drop.

What usually happens when rates drop? Demand increases and prices tend to follow.

You can refinance a rate.
You can’t refinance the price you pay for a home.

If you’re thinking about buying, I’m happy to run a few scenarios so you can see the numbers and make an informed decision.

For the average lender, top-tier 30yr fixed mortgage rates were perfectly unchanged compared to yesterday. This keeps them right in line with the lowest levels in more than 3 years. That said, if we're splitting hairs, better rates were available 4 days in the past month and a half (Jan 9, Jan 1...

02/17/2026

First-time home buyers in Michigan, this is a big one! You could receive up to $7,500 toward your down payment, with no repayment required. If upfront cash has been holding you back from buying, let’s talk and see if you qualify.

02/13/2026

Mortgage rates moved a little lower on February 12, continuing the recent trend as bond markets improved. Even after last week’s strong jobs data, lenders were able to price a bit more aggressively as longer term yields eased.

Just one day after an incredibly strong jobs report--something that would normally create problematic upward momentum for rates--the average lender is back to the lowest levels since January 16th. At the risk of overusing a played-out metaphor, this was not on many experts' bingo cards. Even wit...

01/20/2026

Buying a new home or a fixer-upper? Our Destination Home mortgage keeps costs down and makes it easier to qualify. Contact us today to see if it’s the right loan for you. Available in select areas. https://www.flagstar.com/personal/home-loans/community-lending.html

01/01/2026

Wishing you a Happy New Year. Flagstar Bank branches and offices are closed today, Thursday, January 1, in observance of the federal holiday.

12/22/2025

Wishing you a joyous time of celebration. Please note: Flagstar Bank branches and offices will close on Thursday, December 25, in observance of the federal holiday.

12/08/2025

Wishing you a wonderful holiday season from all of us at Flagstar Bank! Thank you for letting us be a part of your journey. Happy holidays!