What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Marsack Mortgage Team at Lower

Home
United States
Macomb Township, MI
Marsack Mortgage Team at Lower

Call Directions Website Contact the business

Regional Manager – Lower Mortgage | Michigan & Florida NMLS #136883
30+ years helping buyers win. Lending available in 47 states. Experience matters. Hello.

Modern tech, powerful products & Reverse mortgage expertise. Relationships matter. Results matter. — My name is Jeff Marsack. I am a mortgage loan officer in Metro Detroit Michigan. I have had the pleasure of helping buyers obtain affordable, financially responsible, home loans to purchase homes of their dreams, and refinance current mortgages to help them save money. I started originating home loans in 1993 at a local Bank and eventually worked my way from the banking world to the private mortgage world. I've specialized in working with Top Realtors in the area by building a relationship built on TRUST. Trust that I will be honest with them about they're buyer leads qualifying power. Trust that we will close in the time frame agreed. Trust that I will keep them and all parties involved updated during the sale. Trust that we will have a HAPPY client for life who is VERY happy that they referred them to me for their home loan needs. I grew up on the Eastside of Detroit as the proud son of an Auto Worker Dad and stay at home Mom who taught Catechism at the Catholic school I was fortunate enough to attend during my elementary years. Growing up in Detroit I learned the value of a hard, honest days work and I bring those core values to work everyday. I'm now extremely blessed with a beautiful wife, 2 sons and 1 stepson. My Oldest is an Underwriter in the mortgage business and my Stepson is working with me as a fellow loan officer here at Simple Home lending and my youngest stayed in Kansas after a 6 year run in the U.S. Army and is building a wonderful life in the heartland.

11/02/2026

Fun fact: you can buy a duplex with an FHA or VA loan — as long as you live in one of the units.

Your tenant helps cover the mortgage while YOU build the equity. One of the smartest affordability plays out there, especially for first-time buyers.

The type of home you finance matters just as much as the loan you choose. If a single-family home feels out of reach right now, there are other paths. DM me and let's talk through them.

10/29/2026

Florida homeowners — Amendment 3 is on the Nov 3 ballot. If it passes with 60%, the non-school homestead exemption would rise to $150,000 in 2027 and $250,000 in 2028. School taxes wouldn't change. If your taxes are paid through escrow, a lower tax bill could mean a lower monthly payment, without a refinance — but it's not law yet, and nothing changes on this year's bill. Early voting runs Oct 24–31, check your county for sites and hours. DM me if you want to talk through what your payment looks like either way.

10/28/2026

Here's one worth watching if you pay PMI. Last week, a new federal housing order directed Fannie and Freddie to pilot something borrowers have wanted for years: mortgage insurance that cancels itself once you've built enough equity based on your home's current value — instead of you having to chase it. It's a pilot, not a promise yet, and it would only apply to loans made after the program starts, so nobody should count on it tomorrow. But the direction matters: the cost of owning is finally getting the same attention as the cost of buying. Same story on the investor side — proposed rules would keep the biggest institutional buyers from scooping up more single-family homes starting in January. More homes for families, fewer costs stacked against them. That's the affordability fight I'm watching for Michigan buyers. DM me for a free homebuyer game plan and we'll map yours.

10/28/2026

5.0 star review received on Experience.com for Jeff Marsack by Stephanie M R - The communication and length of time from beginning to end was outstanding highly recommend Jeff and his staff. A pleasure to work with.

Read more: https://experience.com/reviews/jeff-marsack-455601/ff6784a8-9f2e-4417-9c4c-a73d04d3c96c?V=1793179880&utm_source=facebook&utm_medium=autopost&utm_content=13785335

10/26/2026

Homebuyer lesson that doesn't get enough airtime: reserves.

Your down payment and closing costs get you TO the closing table. Reserves are what's left AFTER — the cushion in your accounts when you get the keys.

Lenders look at reserves to see you can handle life after the move, not just the purchase. And even when they're not required, that cushion means less stress in your first months as a homeowner.

This is the holistic stuff I walk buyers through — not just "can you qualify," but "will you be comfortable." DM me for a free homebuyer game plan.

10/19/2026

You don't need 20% down to buy a home. You probably never did.

Conventional loans start at 3% down. FHA at 3.5%. VA and USDA can be zero down for eligible buyers.

The right program isn't about the smallest down payment — it's about your credit, your monthly budget, and your long-term cost. That's the conversation I have with every buyer at our Macomb Twp branch: the smartest path for YOUR situation, not a one-size-fits-all number.

DM me for a free homebuyer game plan.

10/17/2026

If the waiting game is what you're thinking — sitting out until rates drop — here's the problem with that plan.

Fannie Mae's economists just put out their October forecast, and it's a big revision: the 30-year fixed averaging 7.5% through 2027, up from 6.7% last month. That's an 80-basis-point jump in a single revision — driven by a higher Treasury outlook and a wider mortgage spread. They also slashed their 2027 refinance forecast nearly in half, from $802B to $430B. They don't see a refi wave coming to bail anyone out.

The buyers winning right now aren't the ones waiting — they're the ones with a strategy. The right program, the right concessions, the right plan for YOUR payment.

Waiting costs you leverage. Strategy gets you keys.

DM me for a free homebuyer game plan and let's build yours.

10/15/2026

People ask what we're building at our Macomb Twp branch. Honest answer: a place loan officers actually want to show up.

That starts with the people around you — a processor who keeps files clean, support that answers when you call, and leadership in the trenches with you. Not the "here's a desk, good luck" model.

Culture isn't a poster on the wall. It's who picks up the phone when your deal needs saving.

If that sounds like your kind of place, let's do 20 minutes — coffee or Teams. DM me.

10/14/2026

Here's a Michigan secret most buyers never hear about: MSHDA's $10,000 down-payment assistance.

0% interest. No monthly payment. It sits quietly behind your first mortgage until you sell or refinance.

Buyers who think they're priced out usually don't need a lower price — they need the right program. DM me for a free homebuyer game plan and let's see what you qualify for.

10/12/2026

Here's something most homeowners don't realize: PMI doesn't last forever.

On many conventional loans, you can request cancellation once you hit 20% equity — and in many cases it drops off automatically at 78% of the original value, as long as you're current.

Before you pay down the loan, order a new appraisal, or refinance — first figure out what kind of mortgage insurance you actually have. The rules depend on your loan type.

I've walked Michigan homeowners through this more times than I can count. Sometimes the answer is "you're closer than you think." DM me and we'll look at your situation together.

Address

20371 Hall Road
Macomb Township, MI
48044

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15863309167

Website

https://www.marsackmortgageteam.com/

Alerts

Be the first to know and let us send you an email when Marsack Mortgage Team at Lower posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.