OneTrust Home Loans Northern Michigan

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Traverse City, MI
OneTrust Home Loans Northern Michigan

Ian Ashton, NMLS 406549

05/28/2026

There are many misconceptions around buying a home, from how much is needed for a down payment to what qualifies someone for a loan. Financing options may vary widely based on individual circumstances. Taking time to separate myths from facts may help buyers feel more confident as they begin the process.

Having a conversation early can help clear up common misconceptions and may even show that homeownership is closer than expected.

05/25/2026

Honoring and remembering those who made the ultimate sacrifice this Memorial Day.

05/22/2026

A full house at OneTrust Home Loans Northern Michigan on a holiday weekend Friday night?!

You know it!

05/21/2026

Some construction financing options allow homeowners to remain in their current home while their new home is being built. This type of program may help provide flexibility during the construction process by avoiding the need for temporary housing. Reviewing available options can help determine what fits best based on individual circumstances.

05/19/2026

Planning for a home purchase often includes more than just the monthly mortgage payment. Buyers may also consider upfront costs like down payment and closing costs, along with ongoing expenses such as property taxes, insurance, and maintenance. Creating a thoughtful budget early can help make the transition into homeownership feel more manageable.

I’m happy to help outline what to expect so you can have a better idea of what you’ll need to budget to buy a home.

05/14/2026

Some construction loan programs allow interest rates to be locked before construction begins, providing added certainty as the home is being built. With one-time close options, the loan may transition into permanent financing once construction is complete. Exploring how rate locks work in construction financing may help buyers plan and feel better prepared.

05/12/2026

Credit is one of several factors lenders review during the home financing process. It may influence loan options, interest rates, and overall loan structure. Understanding where credit stands early in the process can help buyers better prepare and explore options that align with their financial goals.

I’m always happy to walk through how credit may impact different loan options, even if homebuying is still a future plan.

05/07/2026

For buyers who already own land, that equity may be able to contribute toward the overall construction financing. This may reduce the need for additional cash at closing depending on the loan program and eligibility. Understanding how land value factors into financing can be an important step when planning to build a new home.

05/05/2026

When reviewing a home loan application, lenders typically consider several factors including income, credit history, assets, and overall financial profile. Each element helps provide a clearer picture of a borrower’s ability to manage a mortgage. Understanding these factors can help buyers feel more prepared as they move through the process.

If it’s helpful, I can walk through what lenders look for and how different factors may impact your options.

04/30/2026

An FHA Streamline Refinance is a program that allows eligible homeowners with an FHA loan to refinance into a new FHA mortgage with a more streamlined process. It is designed to reduce certain documentation requirements while maintaining FHA loan protections. Eligibility and benefits can vary depending on individual circumstances.

Have questions? Reach out to learn whether an FHA Streamline Refinance could be worth exploring.

Address

697 Hannah Avenue, Suite C
Traverse City, MI
49686

Website

https://onetrusthomeloans.com/northernmichigan/

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