Howard Roberts, V.P. Mortgage Consultant, NMLS #619310

Howard Roberts, V.P. Mortgage Consultant, NMLS #619310 Mortgage Banker at First Merchants Bank with over 25 years of experience helping families buy & build

The smell of the grill. Dogs roaming free. Lights strung overhead. Summer hits differently when it’s yours.As a mortgage...
06/10/2026

The smell of the grill. Dogs roaming free. Lights strung overhead.

Summer hits differently when it’s yours.

As a mortgage lender, my job is to help you get there.

If homeownership is your goal, contact me any time for a free planning call.
https://myoc.io/efmFMOr2zYO

There’s no one-size-fits-all loan.Sometimes the best solution is the one you didn’t know to ask about—until someone take...
06/08/2026

There’s no one-size-fits-all loan.

Sometimes the best solution is the one you didn’t know to ask about—until someone takes the time to walk through your options with you.

If you’re looking for a local lender that will be attentive to your situation, our team comes highly recommended.

Message me any time to get a free mortgage quote or to simply ask a question.
https://myoc.io/efmFMOr2zYO

Many homebuyers focus too much on the down payment.The amount you put down, whether it’s 3% or 20% or anything in betwee...
06/03/2026

Many homebuyers focus too much on the down payment.

The amount you put down, whether it’s 3% or 20% or anything in between, is only one piece of the homeownership puzzle.

I don’t just want you to get into a home – I want you to stay comfortable, handle surprises well, and enjoy it long-term.

For help creating a realistic budget, let’s talk. Call me for a free discovery and planning call.
https://myoc.io/efmFMOr2zYO

Your home doesn’t have to look like social media.Most don’t.And it doesn’t have to be “done” right away either.It takes ...
06/01/2026

Your home doesn’t have to look like social media.

Most don’t.

And it doesn’t have to be “done” right away either.

It takes years to make a house feel like home…

one project, one room, one weekend at a time.

Focus on what fits your life and your budget today.

The rest can come together over time.

If you’ve been thinking about buying but feel unsure, you’re not alone—and I’m always here as a resource.
https://myoc.io/efmFMOr2zYO

There are down payment assistance and grant programs designed to help first‑time buyers, but knowing which ones apply (a...
05/27/2026

There are down payment assistance and grant programs designed to help first‑time buyers, but knowing which ones apply (and when to apply) matters.

My team and I spend our time helping buyers navigate these programs from start to finish. If you’re curious about what may be available to you, or someone you know, message me and we’ll take a look.
https://myoc.io/efmFMOr2zYO

Before you look at home prices, decide what monthly payment feels comfortable.From there, we can work backward to find a...
05/25/2026

Before you look at home prices, decide what monthly payment feels comfortable.

From there, we can work backward to find a realistic price range and a smart plan to save for your down payment.

If you want help running the numbers or mapping out a plan, I’m here for you. Message me to schedule a call.
https://myoc.io/efmFMOr2zYO

Check out our current HELOC promotion – good through June 30th! Contact me, or any of our local bankers, for details.
05/20/2026

Check out our current HELOC promotion – good through June 30th! Contact me, or any of our local bankers, for details.

Where you get your home loan matters. Thanks to our customers for trusting us and taking the time to leave a review.
05/18/2026

Where you get your home loan matters.

Thanks to our customers for trusting us and taking the time to leave a review.

I work with homebuyers and homeowners across the country — not just locally.Buying a second home? Relocating for work? K...
05/13/2026

I work with homebuyers and homeowners across the country — not just locally.

Buying a second home? Relocating for work? Kids moving out of state?

If you, or someone you know, are thinking about buying or refinancing and want to talk to someone you trust, I’m always happy to help.
https://myoc.io/efmFMOr2zYO

When financing a new home build, having a lender that truly understands the process makes a difference. Our construction...
05/11/2026

When financing a new home build, having a lender that truly understands the process makes a difference. Our construction lending program at First Merchants is designed to support builders and borrowers from the ground up. With our single‑close construction loan, your short‑term construction financing converts to a permanent mortgage after the build is complete, keeping the process streamlined with one closing.

What sets our team apart is real‑world experience. Our construction administrators have worked directly in the industry, and our program manager is a licensed residential builder. That means we understand the process from every angle – lender, homeowner, and builder. We know how construction timelines work, how draws should flow, and where issues can arise—and we’re prepared to help navigate them.

The result is a smoother process, clear communication, and a lending team that speaks the same language as builders and clients alike.

Learn about our construction program here: https://www.firstmerchants.com/personal/borrowing/mortgages/compare-mortgages/construction-loans
https://myoc.io/efmFMOr2zYO

Address

10 Washington Street
Monroe, MI
48161

Telephone

+17347700678

Website

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