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Matt Adler NMLS 138345 - Mortgage Loan Officer, Lake Michigan Credit Union

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Troy, MI
Matt Adler NMLS 138345 - Mortgage Loan Officer, Lake Michigan Credit Union

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Michigan’s most highly decorated mortgage loan officer catering to construction loans, doctor loans, non-warrantable condos, MSHDA and more.

11/03/2026

Will the election move mortgage rates? Probably not the way you think. 🗳️

Mortgage rates follow the 10-year Treasury, and that moves on inflation and the Fed, not yard signs. The market might react this week, but that's usually short-term noise.

Make your housing decision on your numbers: your payment, your timeline, your plan.

Go vote. Then text me at 248-219-7552 and let's run your numbers.

10/31/2026

Only New York, Milwaukee and Cleveland pay a bigger premium for new construction than metro Detroit.

Same 3,000 sq ft house: about $717,000 new vs. $495,000 already built. That's $222,000 for the word "new." Before you fall in love with a model home, run the numbers on both paths.

New build or older home? Comment NEW or OLD.

Source: Crain's Detroit Business, Oct. 2026. Matt Adler, NMLS #138345, Lake Michigan Credit Union. Equal Housing Lender.

10/30/2026

Buy the ugly house. Finance the fix. 🔨

A HomeStyle renovation loan lets you buy a fixer-upper and roll the renovation into one mortgage. Ugly house, ugly-house price, and most buyers with a regular loan can't even compete for it.

Buy a 2–4 unit, live in one, and let the tenants help pay while the renovation builds your equity.

Found a fixer? Text me at 248-219-7552 and I'll send you the one-pager so you can run the numbers yourself.

HomeStyle® Renovation is a Fannie Mae conventional loan. 3% down available on 1-unit primary homes for first-time buyers or HomeReady®-eligible borrowers; 2–4 unit primary homes require 5% down and owner occupancy. Renovation costs are limited to 75% of the lesser of purchase price plus renovation or as-completed value. Not everyone will qualify. Matt Adler, NMLS #138345, Lake Michigan Credit Union. Equal Housing Lender.

10/30/2026

Yes, I'm a dad. No, I'm not sorry.

While most rates are still in the 7s, we've got a 5.99% special on a 7/1 ARM. Your rate is fixed for the first 7 years, and you qualify at the actual rate, not a temporary buydown.

If you've been waiting for the numbers to make sense, this could be the window. Text me at 248-219-7552 and I'll show you how it works.

5.99% rate with 1 point (6.796% APR) on a 7/1 ARM, based on a purchase with a 720 credit score and 20% down. Fixed 7 years, then adjusts annually. Application by 12/31/26, lock by 2/28/27. Not everyone will qualify. Rates and terms subject to change. Matt Adler, NMLS #138345, Lake Michigan Credit Union. Equal Housing Lender.

10/29/2026

Last week I lost a closing by 4 days. Nobody did anything wrong.

Loan approved. Ready to close. Her co-signer lived overseas and had to sign a power of attorney, and the internet dropped every time he tried.

She needed to move in Friday. The earliest we could close was Tuesday. The sellers said no to an early move-in, so she signed a lease and canceled.

If your co-signer lives out of state or overseas, get the power of attorney done the week you go under contract, not the week you close.

Would you have waited 4 days or signed the lease? Comment WAIT or RENT 👇

Physician loans in MI, OH, IL, IN, WI, FL. Matt Adler, NMLS #138345, Lake Michigan Credit Union. Equal Housing Lender.

10/27/2026

Hotel gyms are usually a letdown. Here's how I fix it. 🏋️

I take a few pictures of the gym, upload them to AI, and tell it the kind of workout I do at home. It builds one that works with exactly what's there.

30 minutes later I feel great instead of annoyed.

What's the worst hotel gym you've ever walked into? 👇

10/27/2026

Home sellers, rates just handed you $3,200. 🏡

Rates dipped week over week for the first time in nearly two months. Same monthly payment, and your buyer now qualifies for about $3,200 more.

Don't just pocket it. Use it to permanently buy down your buyer's rate. A lower payment every month is what gets offers written and deals closed faster.

Selling soon? Text me at 248-219-7552 and I'll send you the other ways sellers are getting homes sold right now.

Example: $2,770/mo principal and interest qualifies for about $400K at 7.40% vs. about $403K at 7.32%, 30-year fixed. Rates change daily. Not everyone will qualify. Matt Adler, NMLS #138345, Lake Michigan Credit Union. Equal Housing Lender.

10/26/2026

Pricing it high “to leave room” is the fastest way to get no offers at all. 🏡

The buyer who can afford your house has a search filter. List above it and your house never shows up. Meanwhile, the one priced at market gets every showing the first week.

Before you pick a price, ask your agent two things: what sold nearby in the last 90 days, and what you're up against today.

Thinking about moving up? Text me at 248-219-7552 and I'll run the numbers on buying your next place.

10/25/2026

I haven't waited a table in over 20 years. I still have the nightmare. 🍽️

Every table needs something, nobody's helping, and you're sinking. It was never about being bad at it. It was about missing something.

That fear followed me into mortgages. Turns out it's not a flaw. It's the job.

Did you ever wait tables? Tell me your nightmare below 👇

10/24/2026

A financial planner said this to me this week, and I haven't stopped thinking about it. 🏡

A 3% rate is great. But it doesn't fix a house that's too small, a commute that's too long, or a life that's outgrown the space.

The rate is math. The home is where you live.

Are you staying put because of the house, or because of the rate? If you want to see what moving would actually cost you, text me at 248-219-7552.

Address

734 W Long Lake
Troy, MI
48098

Opening Hours

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

Telephone

+12482197552

Website

http://www.applywithadler.com/

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