Tim Siwicki Mortgage Lender NMLS #185689

04/09/2026

Buying a house with a co-borrower? Explore the pros and cons of a co-borrower mortgage to determine if it's the right choice for your home purchase:

Learn the pros, cons, and key rules of a co-borrower mortgage so you can decide if buying a house with someone else is right for you.

04/05/2026

Hoppy Easter! We hope your day is full of egg-stra joy, good company, and a home that feels like your favorite place to be.

04/01/2026

Planning to buy in spring 2026? MSHDA loan programs make upfront costs much more affordable for many eligible buyers. Want to explore your options? Call me at 586.909.2343, or start your preapproval using my personal link → https://hubs.la/Q048FZVV0

03/25/2026

FHA loans are designed to help qualified buyers keep upfront costs manageable, making homeownership within reach. If you’re thinking about buying and want to explore your options, call me at 586.909.2343, or start your preapproval using my personal link → https://hubs.la/Q045JdG70

03/19/2026

Learn the essential steps of the home appraisal process, understand its importance, and be prepared for potential challenges that may arise during the process. Read more:

Discover what the home appraisal process looks like step-by-step, why it matters, and what potential problems may arise with the appraisal process.

03/17/2026

In a busy spring market, the strongest buyers aren’t just lucky, they’re prepared. Pre-approval with Pro SNAP helps you know your budget and move quickly when the right home comes along. Call me at 586.909.2343, or start your preapproval using my personal link → https://hubs.la/Q045JcQP0

03/11/2026

Reminder for homeowners, Spring is the time to tackle small upkeep before a bigger repair is needed: clean gutters, filters, and check for leaks. Looking to buy this season? Call me at 586.909.2343, or start your preapproval using my personal link → https://hubs.la/Q045JqRw0

03/10/2026

Big privacy news for homeowners: a new federal law (the Homebuyers Privacy Protection Act) now restricts “trigger leads.” In the past, when a lender pulled your credit for a mortgage inquiry, the credit bureaus could sell that information to other lenders—often leading to a surplus of unsolicited calls and texts.

Now, your information is better protected and can no longer be sold to other lenders that you are not working with. If you have questions about the Mortgage 1 loan process, feel free to give me a call at 586.909.2343

03/05/2026

Your Closing Disclosure is your final snapshot of the loan rate, payment, closing costs, and cash to close. Before closing day, here’s what to review first:

What is a closing disclosure? Learn when you get it, what can change, and what to check first so your final numbers match before closing.

03/04/2026

A HELOC (Home Equity Line of Credit) is a flexible way for homeowners to access funds using available home equity, often helpful for renovations, major expenses, or consolidating debt. Want to see if a HELOC could be a good fit for you? Call me at 586.909.2343, or start by using my personal link → https://hubs.la/Q045mpqX0

02/27/2026

I got great news! 🎉 Mortgage 1 is the top producing MSHDA lender in 2025, making that 13 years in a row! Thank you to every buyer and partner who has helped make this possible. I'm not superstitious… but lucky number 13 has a nice ring to it.

02/25/2026

Fixed-rate and adjustable-rate mortgages are both solid options, but the best fit depends on your budget, comfort level, and how long you plan to keep the home. If you want help comparing what makes the most sense for you, call me at 586.909.2343, or start your preapproval using my personal link → https://hubs.la/Q041nVsS0