R.J. Horeski - NMLS #32466

R.J. Horeski - NMLS #32466 Hi, I'm R.J.! Thank's for checking out my page. I've been in the industry since 2007, and I'd love to help you with your loan! R.J.

Horeski | Mortgage Broker
NMLS #32466 | Equal Housing Lender
Loans arranged through Ease Mortgage, NMLS #2273319
Licensed in MI & TX
Not a commitment to lend. Terms and conditions subject to change. https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/32466

Do these numbers reflect what you are seeing locally? Comment your experience in your region — metro Detroit, Lansing, s...
08/03/2025

Do these numbers reflect what you are seeing locally? Comment your experience in your region — metro Detroit, Lansing, suburban or rural Michigan — and let’s stay ahead of the curve!


We couldn’t say it better! Real estate is a team sport: when Realtors, lenders, title agents, and clients all work hand-...
07/22/2025

We couldn’t say it better! Real estate is a team sport: when Realtors, lenders, title agents, and clients all work hand-in-hand, that’s when the magic happens.

At Horeski Lending, we believe in true partnership. We stick with you every step of the way and celebrate shared success at the closing table.

👍 if you agree!

07/15/2025

What’s one feature your dream home MUST have Kitchen island? Home theater? Heated floors? Tell us below!👇

Looking forward to helping more partners!
07/12/2025

Looking forward to helping more partners!

07/11/2025

Which myth did you believe? Comment below!

Q: Have you ever had a deal fall apart last-minute? Tell us what happened or how you avoid surprises.
07/11/2025

Q: Have you ever had a deal fall apart last-minute? Tell us what happened or how you avoid surprises.

We’re grateful for the trust—now it’s your turn. DM us or hit the link in bio to start your mortgage game plan.—Horeski ...
07/09/2025

We’re grateful for the trust—now it’s your turn. DM us or hit the link in bio to start your mortgage game plan.

—
Horeski Lending Group | NMLS #32466 | Equal Housing Lender

07/08/2025

Lenders you can lean on. Realtor friends, here are 3 ways we help you shine:

Lightning-fast pre-approvals – we get your buyers vetted before they shop, so your offers stand out.

24/7 communication – weekend update? Late-night question? We’ve got your back, always.

On-time (or early) closings – we hit deadlines so you look great to your clients. Let’s close more deals together!

Hello Michigan and Illinois! 👋 We’re Horeski Lending Group – a local mortgage team with 15+ years’ experience helping fa...
07/07/2025

Hello Michigan and Illinois! 👋 We’re Horeski Lending Group – a local mortgage team with 15+ years’ experience helping families into homes. Excited to share insider tips, success stories, and a bit of humor here to make buying or refinancing less scary.

Are you tired of spending endless hours and weekends driving around town, searching for your dream home? Do you wish the...
07/31/2023

Are you tired of spending endless hours and weekends driving around town, searching for your dream home? Do you wish there was an easier way to go through the home-buying process without the hassle of physically attending every showing and meeting?

Well, look no further! With my cutting-edge digital tools, you can now buy your dream home from the comfort of your couch. Yes, you read that right! Gone are the days of rushing from one showing to another, dealing with pushy real estate agents, and feeling the pressure to make a decision on the spot. With my innovative technology, you have the freedom to schedule and complete the entire process on your own time and from your own space.

Imagine this: you wake up on a lazy Sunday morning, grab your favorite cup of coffee, and settle down on your cozy couch. No need to rush out the door to attend a showing or meet with an agent. Instead, you simply open your laptop or pick up your phone, and the world of real estate is at your fingertips.

Using my digital tools, you can easily browse through an extensive database of available properties, complete with detailed descriptions, high-quality photographs, and even virtual tours. Get a feel for each home without physically stepping foot inside. Visualize yourself living there, picture where your furniture would go, and imagine the memories you'll create in each space.

Once you've found a home that captures your heart, my technology allows you to schedule a virtual showing at your convenience. No need to worry about coordinating conflicting schedules or rushing through a brief tour. You can take your time exploring every nook and cranny of the house, asking questions, and getting all the information you need to make an informed decision.

But the convenience doesn't stop there. With my digital tools, you can also complete the entire buying process online, including the closing. Gone are the days of tiresome paperwork, endless signatures, and countless trips to the title company. Instead, you can review and sign all necessary documents electronically, from the comfort of your own home. This not only saves you time and energy but also gives you the peace of mind that everything is in order.

Now, I know what you might be thinking. "Is it really safe and reliable to buy a home without physically seeing it?" Rest assured, my digital tools are designed to provide you with all the information and resources you need to make an informed decision. From high-resolution photos to virtual tours, you can get a comprehensive view of the property. And if you still have any doubts, you can always schedule an in-person showing before committing to the purchase.

So, why wait any longer? Take advantage of the incredible technology available to you and buy your dream home from your couch! With my digital tools, you have the freedom to schedule and complete the entire process on your own terms. No more rushing, no more stress, just a seamless and convenient home-buying experience.

Call me today to learn more about how my digital tools can revolutionize the way you buy real estate. Say goodbye to the old ways and embrace the future of home buying. Your dream home is just a click away!

In the world of home financing, finding ways to save money and optimize our mortgage terms is a constant pursuit. Whethe...
07/30/2023

In the world of home financing, finding ways to save money and optimize our mortgage terms is a constant pursuit. Whether you are a first-time homebuyer or a seasoned real estate investor, the concept of "buying down your rate with seller concessions" might sound like music to your ears. This post aims to shed light on this often overlooked option, highlighting the benefits and potential savings that come with Temporary Rate Buydowns.

Understanding Temporary Rate Buydowns:
Before diving into the potential savings, it's important to grasp the concept of Temporary Rate Buydowns. In simple terms, it refers to a strategy where sellers contribute towards buying down the interest rate on your mortgage loan. This means that they assist in reducing your monthly mortgage payments by paying a certain percentage of the loan amount upfront.

How Does it Work?
Let's say you're purchasing a home and the current interest rate is 4%. With a Temporary Rate Buydown, the seller may agree to pay a portion of the loan amount upfront to lower your interest rate for a specific period. For instance, they might pay 2% to reduce your interest rate to 2% for the first two years of the loan term. This temporary reduction in interest rate results in significantly lower monthly payments during the initial years.

Saving Hundreds or Even Thousands:
The potential savings associated with Temporary Rate Buydowns can be substantial. By leveraging this option, you can save hundreds or even thousands of dollars over the life of your mortgage loan. This extra cash flow can be utilized for various purposes, such as home improvements, paying down other debts, or boosting your savings.

Benefits of Temporary Rate Buydowns:
1. Increased Affordability: With lower monthly mortgage payments during the initial years, Temporary Rate Buydowns can make homeownership more affordable, especially for those on a tight budget or looking to maximize their purchasing power.

2. Improved Cash Flow: By reducing your monthly mortgage payments, Temporary Rate Buydowns free up additional funds that can be utilized for other financial goals or investments. This increased cash flow can provide a safety net during unexpected expenses or serve as an opportunity to build an emergency fund.

3. Competitive Advantage: In a competitive real estate market, Temporary Rate Buydowns can give buyers an edge. Offering this option can make your offer more appealing to sellers, potentially increasing the chances of securing your dream home or investment property.

4. Long-Term Savings: While the reduced interest rate is temporary, the savings generated during the initial years can be significant. By wisely investing these savings or using them to pay down the principal balance, homeowners can potentially save on interest costs over the life of the loan.

Conclusion:
In the quest for homeownership, exploring innovative strategies to save money on mortgage costs is essential. Temporary Rate Buydowns offer a unique opportunity to take advantage of seller concessions and reduce your interest rate for a specific period, resulting in substantial savings. Whether you're a first-time buyer or a seasoned investor, reaching out to mortgage professionals who can guide you through the intricacies of Temporary Rate Buydowns is a wise step to maximize your financial benefits. So, why wait? Call today and unlock the potential of Temporary Rate Buydowns to make your homeownership dreams more affordable and financially rewarding.

Address

1050 Wilshire Drive, Suite 300
Troy, MI
48084

Telephone

+13135151373

Website

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