Your Path to Homeownership Starts Here
Whether you’re buying your first home or refinancing, we offer personalized mortgage solutions to fit your needs. Let us help you make the right choice for your future!
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Years Experience
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With 8 years of experience, we provide expert guidance to help you navigate the mortgage process with confidence.
Who We Are
Michael Tennant
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
It has always been my goal to build a personal relationship with my clients that makes them feel they are both respected and heard. I want to share with them my knowledge, transparency and that I am here to serve them. My clients are like family to me. I started in this business years ago with the intent to build meaningful and lasting relationships with my clients and that is how it will always be.
Low rates and affordable monthly payments
Home Purchase
Buying a home is a big step, and we make it easy for you. We help you find the right mortgage with low rates and favorable terms. Whether you’re a first-time buyer or moving to a new home, we’re here to guide you every step of the way.
Refinance
Looking for lower monthly payments or a better interest rate? Refinancing your mortgage can help you reduce costs, shorten your loan term, or access cash from your home equity. We make the process simple and stress-free.
Loan Options
We offer a range of mortgage options to fit your unique needs, whether you’re buying your first home, refinancing, or need a specialized loan for your dream property. Whatever your situation, we have the perfect solution for you.
Providing the Best Future for Your Best Living
Building a brighter tomorrow with tailored mortgage solutions that pave the way for your dream home today, securing your future with ease and confidence.
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The Benefits Of Refinancing
Flexible, adaptable, and adjustable plans to fit your needs
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.
Turning Dreams Into Keys
Helping people secure the best mortgage options to open the doors to their dream homes.
What We Offer
Mortgage Loan Options
Explore a variety of mortgage loan options designed to fit your unique needs and financial goals.
CONVENTIONAL MORTGAGE LOANS
- Conventional loans are not insured by a government agency
- Require a minimum 3% down payment
- There are a variety of fixed and adjustable rate conventional loans to choose from
- Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
- Interest rate varies based on credit score and loan term
- Offers 10, 15, 20, 25, 30 and 40 year repayment terms
FHA MORTGAGE LOANS
- Great for first-time buyers and buyers with lower credit scores
- FHA loans are not restricted to first-time home buyers or low-income buyers
- Easier requirements for income and credit score
- Minimum down payment 3.5% and lower closing costs
- Mortgage Insurance may be less costly than private mortgage insurance (PMI)
- Seller can contribute up to 6% of selling price to cover closing costs
USDA MORTGAGE LOAN
- Special financing in USDA defined areas
- Flexible credit guidelines and qualifying criteria
- Lower than market interest rate
- No down payment required
- Closing costs can be seller-paid or rolled into the loan
- Ability to finance upfront PMI
USDA MORTGAGE LOAN
- Special financing in USDA defined areas
- Flexible credit guidelines and qualifying criteria
- Lower than market interest rate
- No down payment required
- Closing costs can be seller-paid or rolled into the loan
- Ability to finance upfront PMI
VA MORTGAGE LOAN
- Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
- Qualify with suitable credit, adequate income and valid Certificate of Eligibility
- Borrow up to 100% with no money down and no mortgage insurance requirement
- Veterans can refinance through the IRRRL (streamline refinance)
- Can include cost of remodeling up to 103.15% appraised value
- Offers 10, 15, 20, 25, 30 and 40 year repayment terms
VA MORTGAGE LOAN
- Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
- Qualify with suitable credit, adequate income and valid Certificate of Eligibility
- Borrow up to 100% with no money down and no mortgage insurance requirement
- Veterans can refinance through the IRRRL (streamline refinance)
- Can include cost of remodeling up to 103.15% appraised value
- Offers 10, 15, 20, 25, 30 and 40 year repayment terms
JUMBO MORTGAGE LOAN
- Financing for high-priced and luxury homes
- Good option for self-employed buyers
- Available for primary residences, second homes and investment properties
- Flexible down payment minimum of 5% on loans up to $2 million
- Mortgage insurance is not required
- Jumbo cash out refinances up to 95% loan to value with no mortgage insurance
REVERSE MORTGAGE LOAN
- Borrower remains the owner of the home
- Can stay in your home without ever making another monthly mortgage payment
- With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
- Borrowers must occupy the property as their principal residence
- Protection against a declining housing market
Why Choose Us
Your Home, Your Future, Our Commitment
We offer personalized mortgage solutions with a commitment to transparency, trust, and exceptional customer service. With our expert guidance and flexible loan options, we help you achieve your homeownership goals with confidence.
Remodel / Renovation
Lifestyle Upgrades
New Start-Up Business
New Baby on board / Adoption expense
Debt Consolidation
Education expense
significant Home damage
When she says ‘yes’
Remodel / Renovation
Lifestyle Upgrades
New Start-Up Business
New Baby on board / Adoption expense
Debt Consolidation
Education expense
significant Home damage
When she says ‘yes’
Listing Property
Empowering Your Homeownership Journey
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House
$110,000-$199,000
Balaraja Garden City
Tangerang, Indonesia
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2 Beds -
2 Bath -
1 Parking lot -
1250sqft
Apartment
$50,000-$99,000
Ophelia Apartment
Surabaya, Indonesia
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2 Beds -
2 Bath -
1 Parking lot -
1250sqft
Office & Apartment
$80,000-$150,000
Twin Tower Office & Apartment
Semarang, Indonesia
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2 Beds -
2 Bath -
1 Parking lot -
1250sqft
House
$140,000-$220,000
Serpong Smart Town
Tangerang, Indonesia
Primis aliquam praesent pulvinar metus mus magnis placerat vehicula enim.
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2 Beds -
2 Bath -
1 Parking lot -
1250sqft
Unlock Your Homeownership Dreams
Whether you’re buying your first home or refinancing, we provide the right solutions to guide you every step of the way. With tailored advice and competitive rates, achieving your homeownership goals has never been easier.
Expert Guidance
Personalized support to help you make informed decisions.
Competitive Rates
Get the best rates and terms for your mortgage.
Appointment
Let’s Talk with a Lending Specialist
Connect with a lending specialist today to explore the best mortgage options for you and secure your future home with confidence.
- Every Step Of The Way
Guiding you every step of the way to ensure a smooth and successful mortgage journey.
- Dedicated Loan Concierge
A dedicated loan concierge to provide personalized support and ensure a seamless mortgage experience.
- Flexible Rates & Low Fees
Enjoy flexible rates and low fees designed to make your mortgage journey affordable and stress-free.
Make an Appointment
Schedule an appointment today and take the first step towards securing the perfect mortgage for your needs.
Testimonials
What our clients say about us
Hear directly from our clients about their experience with our expert mortgage services.
Our commitment to personalized support and transparent advice has made a real difference in their homeownership journey.
Michael was really helpful in the whole process and help me get a loan. He when above and beyond to help me with the whole process. I do recommend Michael for your loan needs.
Albert
I am thankful that I found Michael through a referral. Michael and Jenni are a great team – thorough, detail oriented, and knowledgeable. They addressed all my questions and concerns throughout the process. Very responsive and explained the details to help me better understand everything. The trust established gave me the ease that I was working with a great team. Very trustworthy and I would definitely work with them again for any mortgage related finances. Thanks Michael and Jenni for your help!
Bebith
I’ve used Michael twice now for refinancing rates and equity withdrawals, both times he has proven that the stigma around finance people being shady and sharks is false!!!! His wife Jenni and himself were never too busy or unreachable throughout all steps of both loans, they had every answer I needed and troubleshot all my issues when I know they didn’t have to. They have helped myself and multiple close family friends and all reviews come as highly recommended. I will use Michael forever as long as he is in the game! Without a doubt reliable and trustworthy which is hard to find these days.
Harris
Mortgage Solutions
Tailored Mortgage Solutions for Every Need
Whether you’re a first-time buyer, refinancing, or seeking a specialized loan, our mortgage solutions are designed to fit your unique goals. With flexible options and expert advice, we make homeownership easier and more affordable.Tellus litora mauris iaculis nunc pellentesque viverra. Eros elementum orci nulla pede libero potenti congue. Curae est condimentum adipiscing sapien at arcu duis ex.
Get Free Quote