Adler Mortgage Team, NMLS #436320

06/05/2026

💡Bye Bye PMI?

Not necessarily.

Most buyers know that putting 20% down eliminates monthly Private Mortgage Insurance (PMI). What many don't know is that we have a special program that may allow qualified buyers to put down just 15% and still have NO monthly PMI.

Even better:

✅ No monthly PMI payment
✅ No adjustment to the interest rate
✅ No additional lender pricing adjustment
✅ Keep more cash in your bank account

For a $300,000 home, that's a difference of $15,000 less out of pocket compared to a traditional 20% down payment.

There are qualification requirements, including credit score and debt-to-income guidelines, but for the right buyer this can be a great way to preserve cash while still avoiding PMI.

If you've been waiting until you save a full 20% down payment, it may be worth exploring whether this option fits your situation.

Questions? Reach out anytime. I'd be happy to chat.

05/22/2026

🏡 MSHDA 2026 UPDATE | Higher Income Limits + $10,000 Down Payment Assistance

Big changes are coming from the Michigan State Housing Development Authority (MSHDA) effective June 1st, 2026 — and many Michigan buyers may qualify who previously thought they wouldn’t.

In this video, I break down:
✅ New maximum home price limit: $566,355
✅ Updated household income limits
✅ The $10,000 down payment assistance program
✅ MSHDA Mortgage Credit Certificates (MCC)
✅ Below-market interest rate options
✅ First-time homebuyer requirements explained

Example:
In many parts of Jackson County, a 1–2 person household can earn up to $101,200 annually and still potentially qualify.

One of the biggest misconceptions about MSHDA is that it’s only for low-income buyers — but the program has expanded significantly over the years.

If you’re thinking about buying a home in Michigan in 2026, this is definitely worth understanding.

05/17/2026

5.0 star review received on Experience.com for Brandon Adler by Lauren L - Brandon and Josh were very communicative and kind. They helped me through the process and answered all my questions

Click to see all 197 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

05/15/2026

Most buyers are trained to negotiate a lower price on a home… but did you know that’s not always the best strategy? 🤔

Example:

🏡 $200,000 purchase price
💰 Negotiating a $5,000 price reduction might only lower the payment about $30–35/month.

BUT…

Using that same $5,000 as a seller-paid temporary interest rate buydown could reduce the payment by approximately:

✅ $240/month during year 1
✅ $120/month during year 2

Here’s how it works:

With today’s market rates around 6.5%, a 2-1 temporary buydown lets the buyer make payments based on:
• 4.5% the first year
• 5.5% the second year
• Then it returns to the fixed note rate in year 3

The goal?
👉 Give buyers time to settle in and potentially refinance later if rates improve.

Sometimes negotiating smarter matters more than simply negotiating cheaper.

If you have questions on how these strategies work, happy to help walk through the numbers.

05/05/2026

5.0 star review received on Experience.com for Brandon Adler by Jasmine T - Brandon is prompt, knowledgeable, and really does what is best for his clients. He seriously is the best.

Click to see all 195 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

05/04/2026

5.0 star review received on Experience.com for Brandon Adler by Barry K - Brandon and his team were very communicative and willing to listen and provide insight to any questions that came up through the process. Overall it was a very smooth experience from initial application to closing.

Click to see all 192 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

05/03/2026

5.0 star review received on Experience.com for Brandon Adler by Ronald M - Because they accomplished the home mortgage process were great help and very informative about the process also very friendly 😃

Click to see all 191 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

05/03/2026

5.0 star review received on Experience.com for Brandon Adler by Clark S - Great communication and answered all questions quickly

Click to see all 190 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

04/30/2026

4.0 star review received on Experience.com for Brandon Adler by Robin E - Returns calls or has his assistant call

Click to see all 189 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320

04/15/2026

5.0 star review received on Experience.com for Brandon Adler by Neal S - Closing,

All of the things that need to be done for a successful closing

Click to see all 187 reviews of Brandon Adler at CrossCountry Mortgage, Loan Originator | NMLS #436320