Refinance
Refinance your Michigan mortgage with a local broker
A refinance replaces your current loan with a new one — to lower the payment, shorten the term, drop mortgage insurance, or change the structure. Many Downriver homeowners who financed after 2022 are reviewing whether a new loan would improve their current payment, term, or insurance costs. Brad can run that comparison before anyone orders an appraisal.
Who this may fit
Homeowners in Wayne County and licensed states who want to compare a lower payment, a shorter term, or a cleaner loan structure.
Why borrowers use it
- Rate-and-term refinances reviewed around break-even, not a teaser rate
- Options that may remove PMI once equity and the servicer’s rules support it
- Side-by-side comparisons across multiple wholesale lenders
- No pressure to refinance if the numbers do not work
Things to watch
A refinance that looks cheaper on the payment can cost more over the life of the loan if you extend the term. Ask for the break-even in months, not a slogan.
Documents commonly needed
- Current mortgage statement
- Homeowners insurance dec page
- Income and asset documents (same as a purchase)
- HOA docs if the property is a condo
Why work with Brad on Refinance
A refinance is a math problem, not a banner ad. Brad runs break-even in months, including PMI or MIP, before anyone orders an appraisal — and will tell you to stay put if the numbers lose.
Next step
Call or text (248) 408-3855 with the property and your income type. Brad can help you review whether mortgage refinance may fit — subject to program requirements — or which related option to compare. You can also start a secure application or read how pre-approval works.