Michelle Kattula - Chief Growth Officer - Aequitas Mortgage

Michelle Kattula - Chief Growth Officer - Aequitas Mortgage Aequitas Mortgage is dedicated to providing the best experience from start to finish.

Everyone’s OFF. Your offer ISN’T. 😎🏡Labor Day weekend is supposed to be about taking a break from labor…Apparently, my m...
09/03/2026

Everyone’s OFF. Your offer ISN’T. 😎🏡

Labor Day weekend is supposed to be about taking a break from labor…

Apparently, my mortgage files didn’t get the memo. 😂

While the grills are fired up, the boats are out, and the out-of-office replies are working overtime, I’ll still have my phone nearby. 📱

Because real estate doesn’t always operate Monday through Friday from 9–5.

Darsh*t Chokshi - Residential & Commercial Mortgages
Darsh*t Chokshi
Aequitas Mortgage

🏡 The perfect house can hit the market on Saturday.
📝 An offer may need to be written Sunday evening.
📲 A real estate agent may need an updated preapproval before submitting.
💰 A buyer may need financing scenarios run before deciding how to structure an offer.

And sometimes, being available when the opportunity appears can make all the difference.

So yes, I plan on enjoying the long weekend too. ☀️🍔😎

But if my phone lights up with:

“Michelle… we found THE house.”

The sunglasses might stay on…

…but the laptop is opening. 😂💻

Because apparently I’m putting the LABOR in Labor Day. 😉

Happy Labor Day Weekend! 🇺🇸

💁🏻‍♀️Michelle Kattula | NMLS 2346547
🏡 Aequitas Mortgage | NMLS 2436773
💸 The Mortgage Broker Girl
📲 586-383-3538
📧 [email protected]
📍 Licensed in Michigan, Florida, and Texas

🔑 Why walk in with one key when your financial situation may call for a completely different door?One of the biggest adv...
08/20/2026

🔑 Why walk in with one key when your financial situation may call for a completely different door?

One of the biggest advantages of working with a mortgage broker is optionality.

Every borrower is different. Income looks different. Credit profiles look different. Properties look different. Financial goals look different.

So why should every mortgage solution look the same?

As a mortgage broker, I have access to a variety of lenders, programs, and underwriting guidelines—which means I have more places to look when determining how to structure a client’s financing.

That can include everything from:

🏡 Conventional financing
🔑 FHA & VA
💎 Jumbo
📈 DSCR investment loans
🏦 Bank statement programs
📊 P&L programs
💼 Non-QM solutions
💰 HELOCs & second liens
…and plenty in between.

And here’s the part I think is especially important:

One lender saying “no” doesn’t necessarily mean the answer is no.

Sometimes a borrower doesn’t fit one lender’s guidelines—but fits another lender’s guidelines beautifully. Sometimes the solution isn’t changing the borrower. It’s finding the right door.

That doesn’t mean there’s a program for every scenario or that approval is guaranteed. It means that instead of starting with one lender and trying to make every borrower fit inside the same box, we can start with the borrower and explore the lending avenues available for their specific situation.

That’s the broker advantage.

🔑 More lenders. More guidelines. More ways to find the right fit.

If you’ve been told you don’t qualify—or you simply want to know what financing possibilities may be available—let’s explore the doors together.

💁🏻‍♀️Michelle Kattula | NMLS 2346547
🏡 Aequitas Mortgage | NMLS 2436773
💸 The Mortgage Broker Girl
📲 586-383-3538
📧 [email protected]
📍 Licensed in Michigan, Florida, and Texas

Loan programs, eligibility, terms, and underwriting requirements vary by lender and borrower qualifications. All loans are subject to applicable guidelines and approval.

Darsh*t Chokshi - Residential & Commercial Mortgages
Darsh*t Chokshi
Aequitas Mortgage

🏡 You got preapproved! Time to go shopping… for a HOUSE. Not everything else. 😉Getting preapproved is exciting, but here...
08/17/2026

🏡 You got preapproved! Time to go shopping… for a HOUSE. Not everything else. 😉

Getting preapproved is exciting, but here’s something every homebuyer needs to remember:

Your financial profile still matters all the way through closing.

That means the time between preapproval and getting your keys is probably not the time to celebrate by financing the new couch for the living room you don’t technically own yet. 😂

Before closing, always talk to your mortgage professional before you:

💳 Open new credit
🚗 Buy or lease a vehicle
🛋️ Finance furniture
💰 Move large amounts of money
💼 Make major changes to your employment or income

Even seemingly harmless financial decisions can potentially affect your loan approval, interest rate, documentation requirements, or closing timeline.

And please—don’t be afraid to ask! I’d much rather get the “Michelle, can I do this?” phone call before the purchase than the “Michelle, I already did this…” phone call afterward. 😅

My job isn’t just to get you preapproved. It’s to help protect that preapproval and guide you all the way to the closing table.

Buy the couch AFTER you buy the house. 😉 🔑

Darsh*t Chokshi - Residential & Commercial Mortgages
Darsh*t Chokshi
Aequitas Mortgage

💁🏻‍♀️Michelle Kattula | NMLS 2346547
🏡 Aequitas Mortgage | NMLS 2436773
💸 The Mortgage Broker Girl
📲 586-383-3538
📧 [email protected]
📍 Licensed in Michigan, Florida, and Texas

Loan qualification is subject to applicable underwriting guidelines and final approval. Changes to credit, assets, debts, employment, or income may affect loan eligibility.

🏡 Not every mortgage requires the same type of appraisal—and sometimes, you may not need a traditional appraisal at all....
08/13/2026

🏡 Not every mortgage requires the same type of appraisal—and sometimes, you may not need a traditional appraisal at all.

Depending on the property, loan details, and available property data, the valuation process can look very different from one transaction to another.

You may see:

🔍 Complete Appraisal — A licensed appraiser physically inspects the property and provides an opinion of value.

🏠 Appraisal Waiver — No appraiser visit is required; reliable property data and analytics are used to support the value.

📊 Value Acceptance + PDR (ACE + PDR) — Property data is collected and combined with an automated collateral evaluation, potentially eliminating the need for a traditional interior appraisal.

The important thing for buyers to understand is that these aren’t necessarily options you simply choose from. The appropriate valuation method is determined as part of the mortgage process based on the specific loan and property.

Different outcomes. Same goal: getting you home. 🏡🔑

So, where does working with a mortgage broker come in?

Optionality.

Because mortgage brokers can work with multiple lenders, loan programs, and underwriting guidelines, we have more avenues to explore when structuring your financing. Depending on the transaction, that flexibility can sometimes mean less time, lower out-of-pocket appraisal costs, and a smoother path to closing.

💁🏻‍♀️Michelle Kattula | NMLS 2346547
🏡 Aequitas Mortgage | NMLS 2436773
💸 The Mortgage Broker Girl
📲 586-383-3538
📧 [email protected]
📍 Licensed in Michigan, Florida, and Texas

Property valuation requirements and eligibility vary by loan program, lender, property, and transaction. Appraisal alternatives are not guaranteed.

Aequitas MortgageDarsh*t Chokshi - Residential & Commercial Mortgages
Darsh*t Chokshi

🏡 Think you can only access up to 80% of your home’s equity? Think again.Many homeowners have been told that 80% is the ...
07/18/2026

🏡 Think you can only access up to 80% of your home’s equity? Think again.

Many homeowners have been told that 80% is the maximum for a cash-out refinance. While that’s often true, there are now financing options that may allow qualified borrowers to access up to 90% of their home’s equity through our CASHOUT90 program.

That additional equity could be the difference between simply refinancing and accomplishing the goals that matter most, such as:

✔️ Renovating your home
✔️ Consolidating high-interest debt
✔️ Funding college tuition
✔️ Investing in your future
✔️ Creating a stronger financial cushion

If you’ve built equity over the years, don’t assume you know all of your options. Mortgage guidelines continue to evolve, and there may be opportunities available today that weren’t available even a short time ago.

Let’s review your goals and see whether CASHOUT90 is the right fit for your situation.

💁🏻‍♀️Michelle Kattula | NMLS 2346547
🏡 Aequitas Mortgage | NMLS 2436773
💸 The Mortgage Broker Girl
📲 586-383-3538
📧 [email protected]
📍 Licensed in Michigan, Florida, and Texas

Darsh*t Chokshi - Residential & Commercial Mortgages Darsh*t Chokshi Aequitas Mortgage

Program availability, loan-to-value limits, and borrower eligibility vary based on occupancy, credit profile, loan amount, and investor guidelines. Not all borrowers will qualify for up to 90% loan-to-value.

11/21/2024

💪 Let’s make your equity work for you!

📍 Licensed in Michigan and Florida

📲 586-383-3538
📧 [email protected]

One of my favorite things about being an independent mortgage broker is that I have the freedom and flexibility to help ...
10/14/2024

One of my favorite things about being an independent mortgage broker is that I have the freedom and flexibility to help my clients on federal holidays like today! Yes, I am at my desk helping clients get pre-approved today! You could be our next pre-approved client today!

Michelle Kattula
Michelle Kattula - Chief Growth Officer - Aequitas Mortgage
Trevor Smith
Kaylyn Aleyas

Entrepreneurs supporting other entrepreneurs! Happy Sunday, ya’ll! If you are looking for some delicious popcorn this ho...
09/08/2024

Entrepreneurs supporting other entrepreneurs! Happy Sunday, ya’ll! If you are looking for some delicious popcorn this holiday season, look no further than Branden Bussa and his two adorable Boy Scouts! They have so many flavors from white cheddar, to sweet and salty kettle corn, to smores and more! Sally Wakil from ActivEstates Group | DOBI Real Estate and I were happy to have the pleasure of supporting you and your goals this beautiful afternoon 🙌

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Rochester, MI

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