Community First Mortgage of Michigan

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Community First Mortgage of Michigan

Community First Mortgage: Committed to home loans and giving back to veterans & first responders.

10/30/2026

Getting ready to talk to a lender for the first time? 🏡 Save these 5 questions for your first call:

1️⃣ Which loan programs could fit my situation?
2️⃣ What documents will you need from me?
3️⃣ What closing costs should I plan for?
4️⃣ How and when can I lock my rate?
5️⃣ How will you keep me updated along the way?

No question is too small. A good loan officer will walk you through every step.

Ready to start the conversation? Call Ryan and the team at Community First Mortgage of Michigan at (269) 256-5060 or send us a DM.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

10/29/2026

Applied for a mortgage? You'll get a Loan Estimate, a standard form that lenders generally send within 3 business days of your application. Here's what to look at. 👇

✅ Loan amount, term and type: make sure they match what you asked for.
✅ Interest rate: and whether it can change after closing.
✅ Monthly payment: including any mortgage insurance and escrow for taxes and insurance.
✅ Closing costs and cash to close: what you'll need to bring on closing day.
✅ Loan features: look for a prepayment penalty or a balloon payment.

Comparing lenders? Ask each one for a Loan Estimate for the same loan type and amount, so you're comparing apples to apples.

Questions about your Loan Estimate? Call Ryan and the team at Community First Mortgage of Michigan at (269) 256-5060 or send us a DM.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

10/28/2026

Let's bust a few mortgage myths we hear all the time. 🏡

MYTH: You need perfect credit to buy a home.
TRUTH: Loan programs have different credit guidelines. A loan officer can look at where you stand and talk through your options.

MYTH: Shopping around for a mortgage will wreck your credit.
TRUTH: Credit scoring models generally count several mortgage credit checks within a short shopping period as one inquiry, so comparing lenders doesn't have to hurt.

MYTH: If you're self-employed, you can't get a mortgage.
TRUTH: Self-employed buyers get mortgages too. Expect to document your income, often with tax returns.

Have a myth you'd like us to tackle? Drop it in the comments, or call Ryan and the team at (269) 256-5060.

General information only. Not a commitment to lend.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

10/27/2026

Fixed-rate or adjustable-rate? It's one of the first choices you'll hear about when you look at mortgages. Here's the difference. 🏡

FIXED-RATE
• Your interest rate stays the same for the life of the loan.
• Principal and interest stay the same each month.
• Property taxes and insurance can still change.

ADJUSTABLE-RATE (ARM)
• The rate is set for an initial period.
• After that, it can adjust up or down on a set schedule.
• Caps limit how much it can change.

Neither one is right for everybody. Which one fits depends on your plans, your budget and how long you expect to stay in the home.

Want to talk through your options? Call Ryan and the team at (269) 256-5060 or send us a DM.

General information only. Not a commitment to lend.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

10/26/2026

Thinking about buying a home? 🏡 Getting your paperwork together early can make the application go a lot smoother.

Here's what lenders commonly ask for:
✅ Pay stubs: your most recent ones
✅ W-2s and/or tax returns, plus 1099s if you have them
✅ Bank and asset statements: checking, savings, retirement
✅ Photo ID: driver's license or passport
✅ Self-employed? Business returns and profit-and-loss info
✅ Other paperwork, like gift letters or a divorce decree, if they apply

Every lender's list is a little different, so ask yours exactly what they need.

Questions about getting ready to apply? Call Ryan and the team at Community First Mortgage of Michigan at (269) 256-5060 or send us a DM.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

10/22/2026

"How long does a mortgage take?" We hear it all the time. The honest answer is that it depends, but here are the stages most loans go through. 👇

1️⃣ Application: you apply and share your documents.
2️⃣ Processing + appraisal: your file is checked and the home is appraised, if required.
3️⃣ Underwriting: an underwriter reviews everything and may ask for more information.
4️⃣ Clear to close: conditions are met and closing gets scheduled.
5️⃣ Closing: you sign, the loan funds, and you get the keys. 🔑

Timelines vary from loan to loan. Sending in your documents early and answering questions quickly can help keep things moving.

Have questions about the process? Call Ryan and the team at Community First Mortgage of Michigan at (269) 256-5060 or send us a DM.

Community First Mortgage of Michigan | NMLS #2571416 | (269) 256-5060
Equal Housing Opportunity

05/01/2026

Huge congrats to Nick and Molly! 🎉

It was an absolute pleasure helping you lock in a great mortgage for your new build—there’s nothing better than seeing everything come together at the closing table. We’re glad we could make the financing process clear, smooth, and stress-free along the way!

A huge thank you to Andy Syvils with the Roy/Miller Team at BHHS, Jim Douglas with Allen Edwin, and Devon Title for making this such a smooth and seamless transaction from start to finish!

Wishing you all the best as you settle into your new home—exciting times ahead! 🏡

Address

2280 S 11th Street Suite 200
Kalamazoo, MI
49009

Website

http://www.communityfirst.mortgage/

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