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Home Loan Horizons: Navigating Your Path to Ownership

Tackle high-interest debt with a cash-out refinance
Facing high-interest debt? Kirby and Angie, your trusted Northern Michigan mortgage team, can help you tap into your home’s equity with a cash-out refinance — and turn monthly stress into financial freedom.

Hard Pull vs. Soft Pull: What Every Michigan Homebuyer Needs to Know About Credit Checks
Wondering if a mortgage credit check will hurt your score? Kirby and Angie break down the difference between hard and soft pulls — so Michigan borrowers know what to expect when buying a home.

✅ Do’s and Don’ts During the Mortgage Process
Ready to buy a home in Michigan? Kirby and Angie share the must-know mortgage dos and don’ts that can make or break your approval — avoid costly mistakes and close with confidence.

✅ Mortgage Pre-Approval Checklist: What Michigan Homebuyers Need to Get Started
Get mortgage-ready with Kirby and Angie’s Pre-Approval Checklist! We help Michigan buyers gather what they need to prove they’re serious, qualified, and ready to make an offer.