Location, location, location
Modern design or classic style. One floor or more. Right in town or country living. When you're house-hunting, it's all about finding the right fit. The same goes for your home loan. When you're ready to make the big move, we can set you up with a loan that feels just as comfortable as your new home.
TLC is experiencing EXTREMELY high mortgage application volume. Please allow up to 5 DAYS for return phone calls. Application appointments may take up to 15 BUSINESS DAYS to schedule. To expedite the process, and a loan officer will reach out to you within 2 (Purchases) to 10 (Refinances) BUSINESS DAYS.
There are benefits to having your mortgage at TLC.
Government Home Loans
TLC helps you obtain FHA, VA, and Rural Development home loans.
Home Equity Loans
Imagine the possibilities! Use the equity in your home to make it happen.
Home Improvement Loans
How to Apply
We make it easy to get a loan you’ll love.
Run the numbers to get the complete financial picture.
Traditional Home Loan Comparison Chart
|Conventional||Home Improvement||Home Equity||Second Homes||Construction|
|Rate Lock1||Rate Lock1|
|Will TLC service my loan?2||Will TLC service my loan?2|
|Location for home||Michigan and Ohio||Michigan and Ohio||Michigan and Ohio||Michigan and Ohio||Michigan and Ohio||Location for home|
|Minimum down payment||3%||N/A||N/A||5%||20%||Minimum down payment|
|Term Lengths||Up to 7 year ARMs & 30 year fixed||up to 180 mth terms (15 years)||up to 120 mth terms (10 years)||Up to 7 year ARMs & 30 year fixed||Up to 7 year ARMs & 30 year fixed||Term Lengths|
|Private Mortgage Insurance Required||If less than 20% equity is available||N/A||N/A||If less than 20% equity is available||N/A||Private Mortgage Insurance Required|
|Pre-approval available||Pre-approval available|
|Maximum Loan Amount3||$510,400||$25,000||$200,000||$510,400||$510,400||Maximum Loan Amount3|
|Debt to Income requirement||mortgage payment = 28% total payments = 40%||mortgage payment = 28% total payments = 40%||mortgage payment = 28% total payments = 40%||mortgage payment = 28% total payments = 40%||mortgage payment = 28% total payments = 40%||Debt to Income requirement|
Government Home Loan Comparison Chart