David Underwood , Mortgage Professional

David Underwood , Mortgage Professional Sr. Mortgage Banker - 20+ years serving the community
Your Trusted Mortgage Guy
Branch NMLS # 95620

Being told no on a mortgage can feel like the door closed. But sometimes, a no is not the end of the story. It may mean ...
06/09/2026

Being told no on a mortgage can feel like the door closed.
But sometimes, a no is not the end of the story.

It may mean something needs a closer look. Maybe the income needs to be documented differently. Maybe the debt picture needs to be reviewed. Maybe the loan program was not the right fit. Maybe the buyer just needs a clearer plan.

That is where the right conversation can make a difference.
If homeownership still matters to you, let’s figure out what happened and what your next step could look like.

06/09/2026

Comparing mortgage rates can feel simple at first. A buyer asks a few lenders for a rate, looks for the lowest number, and assumes that is the best option. But rate quotes can be more complicated than they appear. To compare lenders fairly, you need to know what is behind the quote.

06/08/2026

Join us on June 16 for Papercrafting with Beth from Elegant Greetings. Create six special greeting cards (two each of three designs). All supplies and instructions included. No experience needed!
$35 per class.
Stop in or call to sign up. (586) 498-2413

06/08/2026

Unemployment data has been released, revealing an interesting trend: different demographic groups are facing varying, and in some cases significantly higher, levels of unemployment.

Homeownership is about more than getting the keys.🗝️It can mean more stability. More room to grow. More control over you...
06/06/2026

Homeownership is about more than getting the keys.🗝️
It can mean more stability. More room to grow. More control over your space. More opportunity to build something over time.

For many families, it can also become part of a bigger legacy.
That does not mean every path looks the same.

Some buyers are ready now. Some need time. Some need a different strategy. Some just need help understanding where to begin.

That is why the conversation matters.
Home is more than a house. It is where your story starts to grow.

06/05/2026

Many buyers worry about their credit score before applying for a mortgage. That makes sense because credit can affect loan options, interest rate, and overall approval strength. But your credit score is only 1 piece of the mortgage picture. A strong loan file includes several parts working together.

There is not just one way to become a homeowner. Some buyers are ready now. Some need a second look after being told no....
06/04/2026

There is not just one way to become a homeowner.

Some buyers are ready now.
Some need a second look after being told no.
Some need a lower down payment option.
Some already own and need to buy before they sell.
Some have income that does not fit neatly into a traditional box.

That’s why the first step is not guessing.
It’s having a real conversation about where you are, where you want to go, and what path may fit your life.

Homeownership might be closer than you think, especially when you know your options. 🏠

06/04/2026

Buyers often focus on the purchase price first. It is easy to compare homes by listing price and assume that a lower price automatically means a better fit. But when you are financing a home, the amount that affects your everyday life most is the monthly payment. That payment is what shows up in you...

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46869 Garfield Road
Macomb Township, MI
48044

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