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Mark A Gelbman, NMLS # 112342

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United States
Rochester, MI
Mark A Gelbman, NMLS # 112342

Providing mortgages for over 27years, I show my clients how to manage their mortgage decisions to in MI LIC # 112342

© 2020 Caliber Home Loans, Inc. NMLS #15622

Mark has been assisting home buyers and homeowners since 1993, and is a graduate of Walsh College, majoring in Finance. Mark's goal is that all of his clients understand all aspects of the mortgage process, are shown all possible options available, and that they feel completely comfortable by the time they get to the closing table. He shows his clients how small decisions today can amount to big dollars over the course of their mortgage. By structuring the mortgage correctly, Mark's clients are better able to reach their financial goals in the future. Specialties: FHA, including 203(k) rehab loans, MSHDA/DPA, VA, Conventional, Rural Development, First Time Buyers, Move Up Buyers, Purchase, Refinance, Primary Homes, Second Homes, Investment Homes. All Rights Reserved.

11/03/2026

This is great news from USDA!
The U.S. Department of Agriculture (USDA) Rural Housing Service (RHS) published a final rule expanding eligibility under the USDA Single Family Housing Guaranteed Loan Program to include properties with income-producing accessory dwelling units (ADUs) and clarifying eligibility for homes with features that accommodate home-based businesses.

The U.S. Department of Agriculture (USDA) Rural Housing Service (RHS) published a final rule expanding eligibility under the USDA Single Family Housing Guaranteed Loan Program to include properties with income-producing accessory dwelling units (ADUs) and clarifying eligibility for homes with featur...

11/02/2026

Union Home Mortgage has been selected for the expanded USDA Rural Development Delegated Authority Pilot Program! Starting Dec. 1st, this will help streamline the USDA loan process for eligible borrowers.

That's just one more way we help clients buy homes with confidence.

Reach out for more info or to get started on you home buying journey.

11/02/2026

Purchasing a home is often considered a significant life milestone, but in today’s housing market, becoming a homeowner can be challenging and expensive.

Fortunately, there are some tax breaks for homeowners (and homebuyers) that might make it a little more affordable.

These real estate tax breaks can help homeowners get some money back this year. Are you eligible?

11/01/2026

Credit and Credit Scores. This is where all mortgage pre-approvals start.

Do you know what your report looks like? When was the last time you pull a copy of your report.

Do you know what your credit scores are, and from where those scores came from?

Great article about credit changes that are affecting your mortgage pre-approval.

▶Call/text me for your no-obligation home buyer assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

https://www.keepingcurrentmatters.com/2026/10/30/credit-scoring-is-changing-3-things-homebuyers-should-know/?utm_medium=email&_hsenc=p2ANqtz-8P0zaaGw92asnAHBAB7eFrI5iqEEmlOAyxCLufCoWlVY8m_3VPiDhw_Wxc9nvTjZ1c4iGB00GaSBBrgMIv8a_SVPGix3bnyiJBaKG9NWoz2t5_FE4&_hsmi=446896360&utm_content=446896360&utm_source=hs_email

10/31/2026

From haunted houses to dream homes, UHM is always ready to help you find the right mortgage. Wishing everyone a Happy Halloween full of fun, family, and plenty of treats!
▶Call/text me for your no-obligation home buyer assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

10/31/2026

An I Bond is a U.S. government savings bond designed to help your money keep up with inflation—the rise in prices over time. When you buy one, you’re lending money to the government, and the government pays you interest in return. Its full name is a Series I savings bond.

I Bonds just hit a 20 year high!

The new rate of return is in effect for all I bonds purchased until the end of April 2027.

10/31/2026

REALTORS!

🔥UAD 3.6 appraisal change deadline is Monday, the 1st.

👉Realtors, ask your lenders if they will be following the new rules or have been granted a waiver to push out implementation to May 2027.

The new guidelines change your relationship with the appraiser.

10/30/2026

From haunted houses to dream homes, UHM is always ready to help you find the right mortgage. Wishing everyone a Happy Halloween full of fun, family, and plenty of treats!

10/30/2026

Why are buyers backing out? A variety of reasons:
- Inspection or repair issues (70.4%). Some of this can be taken care of by doing a seller inspection, before the home is listed. Know what you are selling.

- Buyer financing falls through (27.8%). While surprises do happen, more times than not, when buyers are denied mid process, it is usually because the loan officer did not ask enough questions or actually review the buyer's documents.

- The buyer can’t sell their current home (21%). Lenders need to discuss options that may take care of this contingency.

It's human nature to withhold questions because it may make us look dumb.
If you are buying a home, THERE ARE NO DUMP QUESTIONS!
ASK! ASK! ASK!

There's nothing quite like the excitement of getting an offer on your house. You're one step closer to moving on to what's next. But what happens if that buyer backs out or ghosts you before closing?

10/30/2026

Thinking of gifting your kids funds for an upcoming home purchase??? I get a lot of questions from parents/family members about the tax ramifications of gifting funds. I am not a CPA and don't give out tax advice. I do encourage that those with questions reach out to their CPA/accountant.

The attached is a short article that breaks down the current gifting rules.

Crossing IRS gift limits without a strategy creates surprise capital gains bills and retirement headaches. Here's what to know.

Address

92 Mill Street
Rochester, MI
48307

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.caliberhomeloans.com/mgelbman

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