Michelle DeTour - NMLS 370067 - Mortgage Loan Officer Eastbank Mortgage

04/01/2026

"Michelle De Tour brokered for me and she was INCREDIBLE! Such a sweet and helpful woman, really walked me through the process of buying my first home. Would 100% recommend!" says Aidan on Google

★★★★★ Michelle De Tour brokered for me and she was INCREDIBLE! Such a sweet and helpful woman, really walked me through the process of buying my first home. Would 100% recommend!

03/30/2026

"Michelle went above and beyond what was expected. She was always available for questions and her response time was very quick. Her attention to detail and work toward her clients needs set her apart from others in her field." says Justin

★★★★★ Michelle went above and beyond what was expected. She was always available for questions and her response time was very quick. Her attention to detail and work toward her clients needs set her apart from others in her field.

01/06/2026

"Working with Michelle was very easy she took care of everything. When we had questions she would find the answers if she didn't have a answer at that time. Michelle worked on our schedule to help us achieve our goals for the project. If we ever need another loan she would be the first person I would call. Thank you Michelle!!!" says shane

★★★★★ Working with Michelle was very easy she took care of everything. When we had questions she would find the answers if she didn't have a answer at that time. Michelle worked on our schedule to help us achieve our goals for the project. If we ever need another loan she would be the firs...

10/07/2025

Another Dream Fulfilled!

10/06/2025

"I just wanted to say Michelle was such a great help through the process of my loan . She was always available for questions and talking me down off a ledge. A wonderful person to work with. I highly recommend her. ❤️👍" says Lisa on Google

★★★★★ I just wanted to say Michelle was such a great help through the process of my loan . She was always available for questions and talking me down off a ledge. A wonderful person to work with. I highly recommend her. ❤️👍

09/22/2025

The Federal Reserve is cutting interest rates, and mortgage rates are following suit. (It’s about time!)

If you bought a home in the past few years or need to tap into your home equity, now is the perfect time for a mortgage review.

A quick conversation to review your mortgage, interest rate, home equity, and financial goals could end up saving you big $$$—and it’s free.

https://myoc.io/MichelleDeTour

NMLS # 370067

09/19/2025

It’s a fact that the mortgage process looks a little different for non-W-2 earners. But don’t let that deter your dreams.

If you’re self-employed or a 1099 contractor, you can buy or refinance a home just like anyone else with a bit of planning. Here are some things you need to know:

- Two years of self-employment history is typically required when using tax returns to show income.
- If tax returns are not an option, bank statement loans are available and often require 6 to 12 months of personal or business statements to document income.
- Keep accurate records—a current P&L or proof of income may be needed.
- Pay yourself! Showing income is key to qualifying.
- Manage your debt and credit. Both impact loan approval.

Here are some additional tips for self-employed borrowers --> https://www.apmortgage.com/blog/what-you-need-to-know-about-getting-a-mortgage-when-self-employed

https://myoc.io/MichelleDeTour

NMLS # 370067

09/16/2025

Dreaming of owning your first home but worried about the down payment? You may have more options than you think!

There are many programs available to help make homeownership more accessible, including community lending programs that offer up to 100% financing in select urban and rural areas.

Additionally, there are programs with down payment requirements as low as 3% to 3.5% that can be combined with down payment assistance, effectively creating a no-money-down scenario and making homeownership more accessible.

https://myoc.io/MichelleDeTour

NMLS # 370067

09/15/2025

As a Certified Divorce Lending Professional (CDLP®), I see firsthand where AI falls short.

AI can generate numbers and scenarios—but it cannot understand the human impact of divorce, the emotional layers behind settlement decisions, or the long-term financial consequences for families.

My training as a CDLP® goes beyond data. It allows me to strategically bridge the gap between family law, real estate, mortgage financing, and tax planning to protect my clients’ financial futures.

Divorce isn’t just a transaction—it’s a life transition. That’s why expertise matters.


https://www.divorcelendingassociation.com/offices/michelle-detour.cfm

09/15/2025

Dreaming of homeownership? With the Pathway DPA program, you could get 3.5–5% down payment assistance to help you step into your dream home! Let’s turn your ‘someday’ into ‘today.’ Message me to learn more about this amazing opportunity!

https://myoc.io/MichelleDeTour

NMLS # 370067

09/12/2025

Military divorces demand more than standard financial guidance.

Divorce is never easy, and for veterans and military personnel, the financial complexities can be especially challenging. Pension division, VA loan entitlements, and layered income structures often require more than traditional legal or financial guidance.

As a Certified Divorce Lending Professional (CDLP®), I’ve seen firsthand how easily these financial details can be overlooked—and how critical it is to address them early in the process. By collaborating with divorce professionals, I help ensure that the mortgage and housing implications of military divorce are aligned with long-term stability for your clients.

Read the full article here: https://www.divorcelendingassociation.com/library/the-overlooked-financial-struggles-of-military-divorces-and-how-to-address-them.cfm


https://www.divorcelendingassociation.com/offices/michelle-detour.cfm

08/26/2025

As a Certified Divorce Lending Professional (CDLP®), I’m often asked which valuation method should guide the division of real estate in divorce. The answer isn’t one-size-fits-all.

Appraisals deliver neutral valuations that stand up in court and refinance scenarios.
CMAs offer quick, cost-effective insights that can support early settlement discussions.

For divorcing clients, the choice can directly impact negotiations, buyouts, and long-term financial stability. That’s why divorce professionals benefit from partnering with a CDLP®—to align the right valuation tool with the right stage of the process.

Read more: https://www.divorcelendingassociation.com/blog/appraisal-vs-comparative-market-analysis-cma.cfm

How have you seen valuation methods affect settlement outcomes in your practice?
https://www.divorcelendingassociation.com/offices/michelle-detour.cfm