Mark A Gelbman, NMLS # 112342

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 d

ollars 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.

🏡 REALTORS: Are you setting your client's transactions up for valuation success?While the mortgage and appraisal industr...
09/07/2026

🏡 REALTORS: Are you setting your client's transactions up for valuation success?

While the mortgage and appraisal industries continue to modernize, the core foundation of a successful home valuation remains the same: proactive preparation and objective data.

Reconciling MLS square footage discrepancies with physical appraiser measurements is the number one reason valuations fall short of the contract price. Don't let easily preventable issues delay your closings!

Here are three evergreen best practices to implement on every listing:
1️⃣ Assemble a Property Dossier Upfront: Don't wait for the appraisal to be ordered. Compile city permit histories, contractor receipts with completion dates, and HOA guidelines right at the time of listing.
2️⃣ Reconcile Square Footage Early: Double-check physical blueprints or certified dimension sketches to ensure MLS data accurately represents the home’s layout.
3️⃣ Stay Highly Responsive: When appraisers or lenders reach out with follow-up questions, fast and clear communication directly protects your transaction timeline.

📥 Want a copy of my complete 1-Page Appraisal Playbook?
Send me a direct message or text "AGENT QuickGuide" to
(248) 705-8431, and I’ll send it over!
Mark Gelbman | Your Mortgage Advisor, NMLS #112342 🏢 Union Home Mortgage | Promises Kept.
📧 [email protected]

Today we celebrate the hard work, dedication, and contributions of workers everywhere. Wishing you a safe, relaxing, and...
09/07/2026

Today we celebrate the hard work, dedication, and contributions of workers everywhere. Wishing you a safe, relaxing, and well-deserved holiday!

🚨 THE CLOCK IS TICKING: Is your real estate pipeline ready for November 2nd?Starting November 2, 2026, Fannie Mae and Fr...
09/06/2026

🚨 THE CLOCK IS TICKING: Is your real estate pipeline ready for November 2nd?

Starting November 2, 2026, Fannie Mae and Freddie Mac are enforcing a strict mandate: all new appraisal submissions must use the new UAD 3.6 / redesigned URAR digital format. This transition completely retires old, typewriter-era forms like the 1004, 1073, and 2055 that the industry has used for over 20 years.

Here is the critical detail most agents are missing: The rule is based on the UCDP submission date, NOT the physical appraisal effective date.

If a home is inspected on October 28th, but the lender doesn't submit the appraisal to the portal until November 3rd, the old format will trigger a Fatal severity rejection, stalling your file and delaying your closing.

How to protect your clients and transactions:
1️⃣ Anticipate longer on-site times: Appraisers will be on-site twice as long (typically a full hour) to take granular room-level measurements and photos.
2️⃣ Build a Property Data File at listing: Don't wait for the appraisal to be ordered. Compile permit history, HOA financials, detailed renovation receipts, and mechanical specs upfront.
📥 Want a step-by-step PDF Playbook for your team? Send me a DM or text "UAD PLAYBOOK" to (248) 705-8431, and I’ll send over my custom agent and seller checklists to help you keep deals on schedule!

Realtors!Conventional financing rules for condos have changed. Do you know what the changes are and how to navigate your...
09/05/2026

Realtors!

Conventional financing rules for condos have changed. Do you know what the changes are and how to navigate your next condo listing?

Reach out for more info.

Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 cell/text
[email protected]

August's jobs report came in much stronger than expected, with the economy adding 162,000 jobs – about triple forecasts....
09/04/2026

August's jobs report came in much stronger than expected, with the economy adding 162,000 jobs – about triple forecasts. Previous payroll estimates were also revised higher, while the unemployment rate remained steady at 4.1%.

Buying a condo??? The financing rules have changes.🔥Questions to ask BEFORE submitting your offer:1️⃣ Is the HOA and man...
09/04/2026

Buying a condo??? The financing rules have changes.
🔥Questions to ask BEFORE submitting your offer:
1️⃣ Is the HOA and management company aware of and prepared for the changes in financing requirements?
2️⃣ Based on the changes in financing requirements, how much are the HOA dues expected to increase?
3️⃣ Based on the changes in financing requirements, what is the expected 1-time assessment expected to be?

▶Call 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]

Your assets may be able to help you qualify for a mortgage. If you have $30,000+ in eligible savings or investments, you...
09/03/2026

Your assets may be able to help you qualify for a mortgage. If you have $30,000+ in eligible savings or investments, you could have more financing options available. Contact me to learn more!

▶Call 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]

09/02/2026

Many potential homebuyers (72%) are holding off buying for now, and they've been waiting an average of 13 months for rates to come down. The average mortgage interest rate they are holding out for is around 5%.
Millennials have waited the longest at 14 months, compared to 8 months for Gen Z. The other 28% of homebuyers are actively searching and ready to buy.
While they wait, home prices continue to increase, (in most areas). Waiting for a rate that may take another year or 2 to present itself, may not be a winning long term strategy.
Are you thinking of buying but just not sure? I get that! Let's talk and run the numbers that fit YOUR specific situation.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

https://www.neighborsbank.com/learn/mortgage-rates-lower-than-homebuyers-think/

Private employers added just 38,000 jobs in August, according to ADP, falling short of expectations for roughly 50,000. ...
09/02/2026

Private employers added just 38,000 jobs in August, according to ADP, falling short of expectations for roughly 50,000. That marked the slowest pace of job growth in seven months.

Manufacturing, professional services, and information shed jobs. Education and health care, construction, and leisure and hospitality all showed solid hiring.

Address

92 Mill Street
Rochester, MI
48307

Opening Hours

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

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