Chad Gilstad - NMLS 438361 Motto Mortgage Energy Broker / Owner

Chad Gilstad - NMLS 438361 Motto Mortgage Energy Broker / Owner As a mortgage loan originator, I work hard to shop and compare competitive home loan options. Whether you're a

Welcome to Motto Mortgage Energy, your trusted mortgage brokerage in Midland. We specialize in personalized home loan solutions and connect you with a wide network of wholesalers to ensure a transparent and efficient financing experience.

When it comes to buying a home, you’ve got home loan options! Whether it’s down payment assistance programs, first-time ...
06/12/2026

When it comes to buying a home, you’ve got home loan options! Whether it’s down payment assistance programs, first-time buyer programs, or lower credit score solutions, there’s a path for you. Let’s figure out the best one together.

Reach out to get started.

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable. Pre-qualification is a starting po...
06/09/2026

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable.

Pre-qualification is a starting point, based on self-reported details. Pre-approval is a more thorough review of your finances, giving you a verified amount and making your offer on a home more competitive.

If you want to get a feel for what you can afford before shopping around, getting pre-qualified can help. If you’re serious about buying, pre-approval is the way to go.

Explore your options with confidence. Reach out to get started.

Yes! It's possible to get a mortgage even if you’ve just started a new job. While lenders often prefer a two-year job hi...
06/05/2026

Yes! It's possible to get a mortgage even if you’ve just started a new job. While lenders often prefer a two-year job history, many understand that employment changes happen and so will take into consideration other factors like your credit score, debt-to-income ratio, and savings.

Different lenders have different guidelines, so it’s important to shop around and find one that makes the most sense for you!

💡 Condo or townhome? Your HOA only insures the outside. You need your own policy (an HO‑6) to protect the inside of your...
06/03/2026

💡 Condo or townhome? Your HOA only insures the outside. You need your own policy (an HO‑6) to protect the inside of your unit.
Look for Loss Assessment Coverage, it can help if the HOA charges a surprise special assessment after a covered loss.
Some HO‑6 policies include Loss Assessment Coverage, which can help pay your share if the HOA issues a special assessment after a covered event (like storm damage or major repairs).

Ready to be a homeowner (including making smart choices to protect your investment)? Reach out for more information!

Leveraging your equity can be a way to better your home or your life (it’s one of the great things about homeownership t...
06/03/2026

Leveraging your equity can be a way to better your home or your life (it’s one of the great things about homeownership that no one tells you about.)

Interested in exploring a home equity loan? Reach out with your questions!

🐾 Ready to give your furry friends a place to call home too? Your dream home (and their dream sunny window or big backya...
05/29/2026

🐾 Ready to give your furry friends a place to call home too? Your dream home (and their dream sunny window or big backyard) could be closer than you think!

Don't own a home yet but want to start the journey towards homeownership? Reach out today to get started on your homebuying journey.

Depending on your financial situation and home ownership goals, you may consider bi-weekly mortgage payments (aka submi...
05/27/2026

Depending on your financial situation and home ownership goals, you may consider bi-weekly mortgage payments (aka submitting payment every 2 weeks). But before you jump in, you might want to explore the pros and cons of changing the frequency of your mortgage payments.

A home finance professional can help you determine the right payment plan for you and your financial situation, whether that’s once a month or every two weeks. Reach out with your questions!

Gather these six key documents early to make your mortgage application process smoother. 📁📄Get your docs together and le...
05/21/2026

Gather these six key documents early to make your mortgage application process smoother. 📁📄

Get your docs together and let’s make homeownership happen! Reach out today.

Simple, seasonal maintenance can keep your home running smoothly and looking great all year round. 🏡✨Ready to take the n...
05/19/2026

Simple, seasonal maintenance can keep your home running smoothly and looking great all year round. 🏡✨

Ready to take the next step on your homebuying journey? Let’s get started – reach out to start the conversation.

I had a conversation yesterday with someone who bought their last home many years ago.Their biggest concern wasn’t the p...
05/19/2026

I had a conversation yesterday with someone who bought their last home many years ago.

Their biggest concern wasn’t the payment.
It wasn’t rates.
It wasn’t even qualifying.

It was this:

“How does anybody make a decision this fast?”

And honestly? Fair question.

The market today feels very different if your last home search involved leisurely weekend showings and a few weeks to think things over.

Here’s the advice I gave:

If a house truly checks the boxes for how you want to live, where you want to be, and what you want the next chapter to look like… don’t lose it over a few thousand dollars because of fear.

Not saying throw money around. That’s dumb.

But I see people miss homes they loved over small differences, then spend another year waiting while prices keep moving and life stays on hold.

Sometimes the bigger regret isn’t paying a little more.

It’s missing the house.

I’m curious. For those who’ve bought homes over the years:

Do you think home buying today feels way more stressful than it did 10 or 15 years ago? Or are buyers overthinking it?

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4900 Eastman Avenue
Midland, MI
48640

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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