Matthew Kroon, NMLS #1119369

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Wyoming, MI
Matthew Kroon, NMLS #1119369

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Home Loan Specialist
CHURCHILL MORTGAGE NMLS 1591
1️⃣0️⃣ years of experience
Serving: MI

11/02/2026

🎉 21 YEARS. HOW DID THAT HAPPEN?! ❤️

Today, my little girl turns 21. And while I'm still trying to figure out where the time went, I'm reminded of something I tell my mortgage clients all the time...

*Life moves fast. Make the most of the moments that matter.*

In the mortgage business, I spend my days helping people find a place to call home, build equity, create stability, and make memories with the people they love.

But the truth is, a house is just a house. It's what happens inside those four walls that makes it HOME.

The birthdays. The laughter. The milestones. The late nights. The memories you wish you could freeze in time.

Today, I'm not thinking about interest rates, loan approvals, or closing dates.

I'm just a proud dad wondering how I got lucky enough to be this girl's father.

Happy 21st birthday, kiddo! ❤️🥂

Hug your people. Time doesn't slow down.

10/29/2026

🏡 THE FED HELD RATES STEADY. NOW WHAT?

Here’s what every homebuyer needs to know: The Fed does NOT directly set mortgage rates!

Mortgage rates can move independently of Fed decisions, so don't let the headlines dictate your homebuying plans.

✅ Don't panic.
✅ Know your numbers.
✅ Have a strategy.

My job isn't to predict the market. It's to help you make smart, informed decisions for your family.

Thinking about buying? Let's talk before you count yourself out! 🏡

10/28/2026

🏡 DID YOU KNOW YOUR PROPERTY TAXES COULD CHANGE WHEN YOU BUY A HOME? 👀
This is one of the BIGGEST surprises for first-time homebuyers - so many lenders don’t talk about this!
In Michigan, a home's taxable value can uncap the year after a transfer of ownership, potentially increasing your property taxes and monthly mortgage payment.
🚨 Don't assume the seller's current property taxes will be yours!
Before you buy, let's look at what your taxes could realistically be so you can budget with confidence.
A little planning now can prevent a BIG surprise later! 🙌
— Matt Kroon | Churchill Mortgage
Your Mortgage Advisor for Life

10/26/2026

TIP: The seller’s best offer isn’t always the one with the highest price!

Buyers and realtors — here’s a mortgage strategy worth knowing. 👇

When negotiating a home purchase, seller concessions can sometimes be used to help cover a buyer’s closing costs, prepaid expenses, or eligible mortgage costs. Depending on the loan program and transaction, they may also help fund a mortgage rate buydown.

💡 What’s a rate buydown?

Instead of negotiating only for a lower purchase price, a buyer may negotiate for the seller to contribute toward reducing the buyer’s interest rate.

For example, on a $350,000 home, a seller contribution could potentially help a buyer:

✅ Reduce upfront out-of-pocket expenses.

✅ Lower their monthly payment through an eligible rate buydown. Think - rate in the 5’s now??? Yep!

✅ Preserve some of their available cash after closing.

🏠 Why should realtors care?

Sometimes, structuring an offer around seller-paid costs can create more value for a buyer than simply asking for a price reduction. The best strategy depends on the buyer’s loan program, available cash, seller’s priorities, and how long the buyer expects to keep the mortgage.

⚠️ One important detail: Seller concession limits vary by loan program, occupancy, and other factors. Not every expense is eligible, and seller contributions generally can’t be used as an unrestricted cash payment to the buyer.

The key is knowing how to structure the deal before submitting the offer.

I love helping buyers and realtors explore creative financing strategies that make homeownership more affordable.

📩 Realtors: Have a buyer negotiating an offer right now? Let’s run the numbers and see which strategy makes the most sense.
616-327-4633

10/23/2026

🏡 A first home, a family legacy, and a reminder of why I love what I do!

Congratulations to Colton on purchasing his first home! 🎉

This one came with a few bumps along the way. We explored different mortgage programs, navigated a challenging structural inspection, and worked through some unexpected hurdles. But we kept pushing forward, found solutions, and got to the closing table!

One of the best parts? Colton was able to use a gift of equity from his family to purchase the home, keeping it right where it belongs — in the family. ❤️

Homebuying doesn't always go according to plan. Sometimes the road gets rough, and that's when having the right mortgage partner matters most.

My commitment is simple: When things get difficult, I don't give up on my clients. I work through the challenges, find solutions, and stick with you until we get to the finish line.

Colton, congratulations on your first home! Thank you for trusting me to be part of such a special milestone. Here's to making it your own and creating many great memories for years to come! 🔑🏡

10/12/2026

Happy National Savings Day!

It’s never too late to start saving. Let’s talk today, take a look at your finances, and make a plan to get you into a home sooner than you ever thought!

10/06/2026

This market kinda sucks right now.

But it doesn’t suck equally for everybody.

Currently, rates are high. There’s uncertainty everywhere. Buyers are hesitant and a lot of sellers are frustrated.

But there are a ton of people winning in this market.

First-time homebuyers for example.

Hear me out…

Yes, the payment is a little harder right now.

But lower rates don't automatically mean buying is easier.

When rates are low and everybody jumps back into the market, you're competing with 10 other buyers, going over asking price and doing whatever you can just to get your offer accepted.

Right now?

You can actually negotiate.

Recently, I’ve been seeing more accepted offers in Michigan with seller concessions involved.

That can mean money toward closing costs, repairs or buying the interest rate down.

Less competition + a motivated seller can create a REALLY good opportunity for a first-time buyer who can handle the payment.

Buyers looking for their forever home.

If you find the house you're planning to live in for the next 10–20 years, I'm a lot less worried about whether you perfectly timed the market.

I'm more interested in what we can negotiate TODAY.

Can we get the price down?
Can we get the seller to pay your closing costs?
Can we use their money to get the payment down?

You don't get to negotiate the same way when everybody else wants the house too.

Sellers who have owned their home for a long time.

If you've built significant equity, you have something a lot of sellers don't have:

Flexibility.

You can price aggressively.

You can offer a credit.

You can make your house more attractive than the competition without feeling like every dollar has to come out of your original purchase price.

And finally…

Sellers who understand that PRICE isn't the only lever.

Sometimes a $15K price reduction barely moves a buyer's monthly payment.

That same $15K structured differently could potentially help with closing costs or lower their interest rate and make the house considerably more affordable.

That's why this market isn't just about whether it's a “good” or “bad” time to buy or sell.

It's about who has leverage, where the leverage is, and how you use it.

There are still deals being made.

You just have to work the numbers differently.

09/30/2026

I hear this every week:

"We're just going to wait for rates to come down."

Maybe they will.

Maybe they won't.

But here's the part people miss...

If rates drop significantly:

More buyers enter the market
Competition increases
Home prices often get pushed higher
Multiple offers become more common

The best time to buy isn't when everyone else wants to buy.

It's when buying makes sense for YOUR family.

Know your numbers. Know your payment. Make good decisions.

Everything else is noise.

If you need help reviewing numbers, knowing what is possible, and finding that perfect balance, hit me up - I'd be honored to help you, too.

616-327-4633

09/15/2026

MSHDA interest rates are changing TOMORROW, and it's a good reminder of how even small rate movements can affect affordability.

New MSHDA rates:

✅ MI Home Loan (No DPA): 6.125% (APR 6.241%)

✅ MI Home Loan with up to $10,000 Down Payment Assistance: 6.75% (APR 6.870%)

While it's impossible to predict exactly where rates will go in the future, changes in interest rates can impact both a buyer's monthly payment and purchasing power.

If you're thinking about buying a home in the next few months, now is a great time to review your options, understand available assistance programs, and create a game plan before you start shopping.

Have questions about MSHDA, down payment assistance, or what you may qualify for? I'm always happy to help.

📞 616-327-4633

Matt Kroon
Home Loan Specialist | NMLS #1119369

07/04/2026

❤️🤍💙❤️🤍💙❤️🤍💙❤️🤍💙❤️🤍💙

🎆 Happy 4th of July 🎆

Wishing everyone a fun, safe, and joyful Independence Day filled with family, friends, good food, and plenty of memories. My favorite little patriot is helping me celebrate today! 🐕 🐾

🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸

Address

5751 Byron Center Avenue SW XY
Wyoming, MI
49519

Telephone

+16163274633

Website

https://www.churchillmortgage.com/loan-officers/matt-kroon

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