Kurt Kostal, NMLS #400564

08/25/2026

Private Up North Retreat Bordering State Land in Interlochen MI!

• 2 private wooded acres with direct access to adjoining DNR State land
• Completely rebuilt home with new roof, furnace, electrical, flooring, and more
• Outdoor oasis featuring a hot tub gazebo, covered BBQ area, fire pit patio, and carriage house

Move right in and start enjoying everything Northern Michigan has to offer. Call Deanna Fulco at 616-890-6140 to schedule your private showing!

Tucked back off the road on 2 private, wooded acres adjoining DNR State land, 5896 Betsie Road in Interlochen offers the Up North setting you’ve been looking for—with the major work already done. This 1,800 sq. ft., 2-bedroom, 2-bath home with a possible 3rd bedroom features spacious main-floor ...

03/30/2026

When people are working on their credit, they usually focus on what to fix. What often gets overlooked is one small mistake that can quietly hold scores back. Here are a few examples we see all the time:
• 𝗹𝗲𝘁𝘁𝗶𝗻𝗴 𝗯𝗮𝗹𝗮𝗻𝗰𝗲𝘀 𝗿𝗲𝗽𝗼𝗿𝘁 𝘁𝗼𝗼 𝗵𝗶𝗴𝗵
Even if you pay on time, credit cards are often reported before the payment posts. A higher reported balance can temporarily lower your score—even if you pay it off days later.
• 𝗱𝗶𝘀𝗽𝘂𝘁𝗶𝗻𝗴 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝘄𝗵𝗶𝗹𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗼 𝗮𝗽𝗽𝗹𝘆
Disputes can pause how accounts are scored. That can make your credit look incomplete or unpredictable while a lender is reviewing it.
• 𝗰𝗹𝗼𝘀𝗶𝗻𝗴 𝗼𝗹𝗱𝗲𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗱𝘂𝗿𝗶𝗻𝗴 𝗰𝗹𝗲𝗮𝗻 𝘂𝗽
Closing accounts can shorten your credit history and increase your usage percentage, which can work against you—even if the account wasn’t being used.
• 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗳𝘂𝗿𝗻𝗶𝘁𝘂𝗿𝗲 𝗼𝗿 𝗮𝗽𝗽𝗹𝗶𝗮𝗻𝗰𝗲𝘀 “𝗷𝘂𝘀𝘁 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝗰𝗿𝗲𝗱𝗶𝘁”
New debt means new inquiries, new balances, and higher monthly obligations. All of that can matter more than people expect when you’re mid improvement.
The goal isn’t perfect credit—it’s stable, predictable credit that shows consistency over time.
If you’d like help making sure you’re improving without accidentally slowing yourself down, I’m happy to take a look and walk you through next steps.
No pressure—just clear guidance so you can move forward confidently.

03/17/2026

Happy St. Patrick’s Day! 🍀
May your luck be strong, your corned beef be tender, and your interest rate be low 😉
And if you happen to know someone thinking about buying a home or refinancing this year, feel free to send a little Irish luck their way — and maybe my name too.

02/06/2026

While I’m up here in Michigan questioning all my life choices every time I see snow🥶… my client is trying to sell their Key West home that enjoys eternal summer.⛱️
Know someone who wants to wake up in paradise instead of shoveling their driveway? Please share this link — we need to find this home a new owner fast!
And if you (or your friends) need help financing this beauty, give me a call — I’ve got you covered.”

Discover true island living in this charming 2-bedroom, 2-bath home with a bonus room, located just minutes from world?famous Key West. Enjoy your morning coffee as you watch fish glide along your 80?foot concrete seawall, or launch straight into adventure from your deep?water canal with quick acces...

01/21/2026

Pending Home Sales, which track signed contracts on existing homes, dropped 9.3% from November to December and were 3% lower than a year earlier.

Pending Home Sales, which track signed contracts on existing homes, dropped 9.3% from November to December and were 3% lower than a year earlier.

11/11/2025

On this Veterans Day, I want to honor my dad for his service in the U.S. Air Force during the Vietnam War, stationed in Oscoda Michigan. Dad, I’m so proud of your courage and dedication, and I’m deeply grateful for the sacrifices you made for our country. Thank you for your service.

10/14/2025

🎣 War Heroes on Water (WHOW) isn’t just a fishing tournament—it’s a powerful tribute to our combat-wounded veterans, founded by loanDepot’s own Anthony Hsieh. I’m proud to be part of a company that gives back in such a meaningful way.

If you’re looking for a loan consultant who values service, integrity, and community—I’d be honored to help you navigate your home financing journey.

📽️ Check out this incredible video from the tournament and see why WHOW is making waves far beyond the water.

While the eighth annual War Heroes on Water sportfishing tournament has concluded, the bonds established during the event are just beginning to take root. He...

10/03/2025

Big congratulations to Peyton & Molly on the closing of their first home!
It was an honor to help with your financing journey—thank you for trusting me! You truly deserve all the joy and memories ahead with your little one.

Special thanks to Deanna Fulco at Real Estate One for being such a fantastic partner in making this dream come true!

If you or someone you know is thinking about buying a home, reach out to me or Deanna—we’d love to help make it happen!

09/10/2025

🏡 Peaceful Up North Retreat – 10 Acres + Direct Access to 300+ Acres of State Land!
Top Amenities:
• 🌲 Direct access to 300+ acres of State Land — perfect for hunting, hiking & trail riding
• 🏠 Move-in ready 3-bed, 2-bath home with new flooring, roof, and daylight basement
• 🚗 Minutes from ORV/snowmobile trails, fishing spots & year-round outdoor fun
📍 Listed by Deanna Fulco – Real Estate One
📞 Call Deanna Fulco at 616-890-6140 for a personal tour and experience this northern Michigan gem firsthand!
💰 Call Kurt Kostal for expert financing options and make this retreat yours today! 248-790-8145

Peaceful Up North Retreat – 10 Acres Direct Access to 300 Acres of State Land! Escape to your own slice of northern Michigan paradise with this 3-bedroom, 2-bathroom home on 10 gorgeous, wooded acres in Kalkaska County. Perfectly situated directly across the road from over 300 acres of State Land!...

07/07/2025

🚨 Student Loan Alert – Action Needed by May 5th! 🚨

Federal collections on defaulted student loans resume May 5th. That means if you're in default, you could face wage garnishment, tax refund seizures, or reduced Social Security benefits.

Stay ahead with these 3 quick tips:
✔️ Contact your loan servicer to check your loan status
✔️ Set up auto-pay to avoid missed payments
✔️ Sign up for credit monitoring to catch any negative changes early

Don't wait—protect your credit and your paycheck. A few minutes today could save you major headaches later.

Student Loan Repayments & Collections — Here’s What You Need to Know