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Forward Mortgage: Brian Mutter, Mortgage Broker

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United States
Rochester, MI
Forward Mortgage: Brian Mutter, Mortgage Broker

Expert mortgage advice. Smarter home buying. Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout MI.

03/21/2025

🏡 Appraisal Waivers: What You Should Know 🤔

Did you know some home buyers can skip the appraisal? 🙌 It’s called a value acceptance—and it can save time ⏳ and money 💵.

BUT... it’s not up to the lender or loan officer. It’s decided by Fannie Mae’s Desktop Underwriter (an algorithm 🤖) based on the property, loan details, and past data that exists in Fannie Mae's database.

So if you - or your buyer - gets one, awesome! If not—totally normal. Just part of the process. ✅

12/11/2024

💥 Great news! If you're a first-time homebuyer - defined as anyone who's not owned a home in 3 years - you may qualify for special, discounted interest rates on your mortgage!

To learn more and find out if you qualify, reach out today!

📞 248.956.0445 | 📧 [email protected]
NMLS1109257

12/06/2024

💡 Buying a house can be stressful even when everything goes right.

That's why we make sure our clients know and understand all of the details and moving parts with their mortgage. There's a lot going on - down payment, closing costs, prepaid property taxes & insurance, monthly mortgage insurance, taxes due to the seller, up-front payments from the buyer... 🤔😱

And understanding leads to peace of mind - which is what you deserve when you're buying a house! 🧘🏻‍♀️

If you've got questions about the market, or have been considering buying but just aren't sure where to start, please reach out! We're always happy to assist however we can - And unfortunately, bad advice is easy to find!

📞 248.956.0445 | 📧 [email protected]
NMLS1109257

12/04/2024

💡 There is a perception that FHA mortgages are somehow "worse" than a Conventional loan.

The truth is that they're two different tools, to be used in different situations. And like anything in life, there are trade-offs between the two.

If you're thinking about buying a home, you deserve to know the details of your loan options. What was right for your neighbor, co-worker, friend, or family member may not be what's best for you. 🤔

If you're curious which loan type is best for your situation, please reach out & we'll provide you with expert guidance!

📞 248.956.0445
📧 [email protected]
NMLS1109257

11/27/2024

💡 As Michigan homeowners prepare for their 2024 Winter Tax bill, it's important to be mindful what can happen when your property taxes increase: Your mortgage can experience an escrow shortage. 😱

Too many lenders (and realtors) don't bother telling their clients that the property taxes on their new home WILL increase in the next 12 months. That's not cool. 🙅🏻‍♂️👎🏻

With whom you work MATTERS! If you're buying a home, you deserve to know about ALL of the moving parts - before closing and beyond!

📞 248.956.0445
📧 [email protected]
NMLS1109257

11/20/2024

💡If you're thinking of buying a home, be sure you work with a seasoned professional.

There are countless ways to structure a mortgage, and almost of all of it is situation-dependent. What worked for your parents, friends or neighbors may not apply in your situation. There are lots of moving parts to consider!

📞 248.956.0445
📧 [email protected]
NMLS1109257

10/11/2024

Happy FRIDAY, we made it!

Buying a house is stressful. 😅🥵 This housing market is nuts. 🥜🤪 Financial markets are weird. 🤷🏻‍♂️📈
.. but it doesn't have to FEEL that way!

It's a BIG DEAL to buy a house, which is why it's a BIG DEAL to us to make sure our clients feel informed, confident, & supported throughout the process.

It's what we do!

Thinking about buying or selling? Thinking about refinancing? Looking for a line of credit? I'm here to help however I can!

📞 248.956.0445 | 📧 [email protected] | NMLS1109257

09/17/2024

I wanted to take a quick moment to share some exciting news that will benefit a LOT of potential homebuyers!

As you probably know, I’ve been writing a newsletter for over two years now, helping break down & explain what’s going on in the housing & mortgage markets. I find that there is so much misinformation (or outright bad information) about housing and mortgages, so it’s my mission to educate as many people as possible about what’s really going on in the markets.

My work was recently picked up and published by MoneyGeek, a personal finance website! (This is actually the second time they’ve published one of my articles!)

👇🏻👇🏻👇🏻 See below!

I wanted to share this with you in the hopes of shedding some light on the importance of working with a mortgage broker, not a banker!

If you've got questions about getting preapproved, or are just curious to see what monthly payment & initial investment would be like on a new home, please don't hesitate to shout!

📞 248.956.0445 | 📧 [email protected]

03/08/2024

We need more home sellers, that is true.

We do not need more buyers.

Even if we get more sellers, if we get a ~ equal amount of buyers, that solves nothing.

More buyers will not fix this housing market.

01/02/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates were basically unchanged last week as 2023 came to an end.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗶𝘁𝗵 𝗵𝗲𝗹𝗽 👍
Mortgage rates will need help from labor market data to improve this week. Signs of a softening labor market in this week's data would support expectations of future Fed rate cuts, which would help mortgage rates to improve at least a little bit. However, if we instead see signs of labor market strength from the data this week it could cause rates to creep slightly higher, especially on Friday.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week brings multiple reports about the labor market, starting on Wednesday with the Job Opening and Labor Turnover Survey. Thursday brings the ADP payroll report and unemployment claims, with Friday's new job creation and unemployment numbers being most likely to affect mortgage rates.
- The Fed: Mortgage rates continue to reflect the belief that the Fed will need to cut rates six times in 2024, although Fed officials have been saying it will be less. If markets start to waiver in the belief that the Fed will cut rates dramatically this year to avoid a recession, we could see mortgage rates creep higher.

12/26/2023

𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟮𝟲, 𝟮𝟬𝟮𝟯

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates were basically unchanged last week, as mortgage rates continued to reflect markets' belief that not only is the Fed done hiking rates, but will start cutting rates in March. Friday's PCE inflation report came in even lower than expected, supporting the idea that the Fed will be able to reduce rates as inflation cools.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Traders generally take off the last couple of weeks of the year around the holidays, and mortgage rates tend to hold steady during that time. There is little risk of seeing rates move higher from here this week, although it is also unlikely we see any kind of significant improvement.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There is no important economic data this week, and nothing that should pressure rates to move from here. Markets were closed on Monday for Christmas, and will be closed early Friday and closed on day on Monday for New Years.
- The Fed: Mortgage rates will hold these lower levels for as long as markets believe rate cuts will start as soon as March. If that belief reverses we could see rates creep higher, but that is not going to happen this week.

12/18/2023

𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟭𝟴, 𝟮𝟬𝟮𝟯

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates fell to the lowest levels in months last week, because the Fed signaled it is likely done raising rates and will probably cut rates in 2024. Although the Fed doesn't set mortgage rates, Fed rate cuts will contribute to lower rates across the board, including mortgage rates.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
When rates move significantly lower like we saw last week, we often see some give back in the following days. Also, the current lower mortgage rates reflect a belief that the Fed will cut rates six times next year, starting as soon as March. Fed officials are trying to convince markets that cuts are not likely to begin that soon and that the Fed is forecasting it will only cut rates three times next year.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Mortgage rates may be influenced this week by the final 3rd qtr GDP reading on Thursday, as well as the PCE inflation data on Friday. Stronger economic data may pressure rates slightly higher.
- Holidays: Traders tend to take the end of year off, resulting in less trading volume that contributes to market volatility that can cause day-to-day and intraday swings in mortgage rates. Markets will be closed for Christmas.

Address

322 S. Main #230
Rochester, MI
48307

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+2489560445

Website

http://www.Goforwardmortgage.com/

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