John Adams Mortgage is a Michigan based, full service mortgage lender. As a lender, we originate, process, underwrite, close and insure our own loans. Our strength and knowledge of the mortgage industry has allowed us to successfully weather the vast changes over the past few years. We are here to assist you with what is likely to be one of the largest investments of your life.
We are dedicated to you and your transaction. We will work closely with you and everyone involved ensuring a smooth, timely closing.
We have over 45 years of knowledge and experience in the mortgage industry.
Our customer service will wow you. Nine out of ten of our closed clients would recommend us to a friend or family member.
Our Mortgage Consultants are available when and where you need them, even during evening and weekend hours.
Our closing costs estimates and loan estimates are extremely accurate which ensures no surprises at closing for you.
Our Mortgage Consultants sit right in your real estate agent's office, in your neighborhood. We also offer online access and mobile access.
Fannie Mae and Freddie Mac insured mortgages on 1-4 unit residential properties and approved condominiums with as little as 3% down. Conventional mortgages can be used to finance a primary home, a second home or an investment property.
HUD insured mortgages on 1-4 unit residential properties and approved condominiums with as little as 3.5% down. FHA mortgages can only be used to finance a primary home.
Special financing offered to past and present military members. VA mortgages can be used to finance 1-4 unit residential properties and approved condominiums with as little as zero down. VA mortgages can only be used to finance a primary home.
MSHDA loans are provided through the Michigan State Housing Development Authority and are available for low-to-moderate income home buyers. They also offer a Down Payment Assistance (DPA) Program through the State of Michigan. MSHDA offers a grant up to $7,500 to be used towards the down payment and closing costs of a FHA , RD or Conventional mortgage purchase for low-to-moderate home buyers in targeted areas and first-time, low-to-moderate income home buyers throughout the state.
USDA RURAL DEVELOPMENT
Special financing for eligible, residential properties in rural areas. Rural Development (RD) mortgages can be used to finance a one-unit primary home or approved condominiums with as little as zero down for low-to-moderate income home buyers that are purchasing in a rural area.
Financing for loan sizes over the conforming loan limits. Loan sizes available up to $3 Million. Jumbo financing is available for 1-4 unit residential properties and approved condominiums on primary homes as well as one-unit and approved condominiums second homes. Options also available for one-unit investment properties.
Financing for home buyers of condominiums where the condo project cannot be approved for Conventional, FHA or VA financing. Options are available with as little as 10% down.
Special financing for Doctors, Dentists and Veterinarians with as little as zero down. Special consideration given to student loan debt. No mortgage insurance required.