Category: EB Mortgage

If you’ve built equity in your home, a cash-out refinance could help you achieve your financial goals. Whether you’re looking to consolidate high-interest debt, renovate your home, pay for major expenses, or strengthen your financial cushion, a cash-out refinance allows you to convert a portion of your home’s equity into cash.

A cash-out refinance loan replaces your existing mortgage with a new one for a higher amount than you currently owe. The difference is paid to you in cash, giving you access to the equity you’ve worked hard to build while maintaining a single monthly mortgage payment.

Benefits of a Cash-Out Refinance

Pay Off High-Interest Debt -Consolidate credit cards, personal loans, or other high-interest debt into one mortgage payment. Because mortgage interest rates are often lower than consumer loan rates, you may reduce your monthly payments and save money over time.

Invest in Your Home – Use your home’s equity to finance remodeling projects, kitchen or bathroom renovations, room additions, roofing, windows, or other improvements that can increase your home’s value and long-term equity.

Increase Financial Flexibility – Access cash to cover major life expenses such as college tuition, medical bills, emergency expenses, or to build your savings while maintaining predictable monthly payments.

Potentially Lower Your Overall Borrowing Costs – Compared to credit cards, personal loans, or other financing options, a cash-out refinance may offer lower interest rates and the convenience of one fixed monthly payment.

Current Cash-Out Refinance Rates & Trends

While mortgage rates fluctuate daily, current 30-year fixed mortgage rates generally range between 6.54% and 6.79%. Cash-out refinance rates are typically about 0.25% to 0.50% higher than standard rate-and-term refinances because they represent additional lending risk.

FAQs About Cash-Out Refinancing

How Much Equity Do I Need?  Most lenders require homeowners to maintain at least 20% equity in their home after completing a cash-out refinance. Our mortgage professionals can help determine how much equity is available based on your home’s value and your financial goals.

Will My Interest Rate Increase? Not necessarily. Your new interest rate depends on current market conditions, your credit profile, loan amount, and other qualifying factors. Even if your mortgage rate increases slightly, using the funds to eliminate higher-interest debt may reduce your overall borrowing costs.

What’s the Difference Between a Cash-Out Refinance and a Home Equity Loan? A cash-out refinance replaces your current mortgage with a new loan, while a home equity loan is a second loan added to your existing mortgage. Depending on your financial goals, monthly budget, and current mortgage rate, one option may provide greater long-term savings than the other.

What Are the Closing Costs? Like any mortgage, a cash-out refinance includes standard closing costs. At EB Mortgage, we’re committed to keeping costs competitive while providing complete transparency throughout the lending process.

Does a Cash-Out Refinance Restart My Loan Term? Yes, because you’re replacing your existing mortgage with a new loan. However, you can choose a loan term that aligns with your financial goals. Whether you want to pay off your mortgage sooner or lower your monthly payment, we’ll help you select the option that’s right for you.

Is a Cash-Out Refinance Right for You?

Every homeowner’s financial situation is different. A cash-out refinance can be an excellent way to access your home’s equity, but it’s important to evaluate your long-term goals before making a decision. Our experienced mortgage professionals will walk you through your options, answer your questions, and help determine whether a cash-out refinance is the right solution.

At EB Mortgage, we offer more than mortgage loans—we provide personalized guidance, transparent communication, and financing solutions designed around your goals. Contact us today to learn how a cash-out refinance can help you make the most of your home’s equity.

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EB Mortgage is a locally owned mortgage company specializing in home purchases, refinancing, and commercial loans. Our competitive wholesale rates are hard to beat. We offer more products, more options, and more solutions to help you find the financing that’s right for you. Our 3C Process makes getting started easy: Complete your pre-approval request, Consider loan options that fit your needs, and Choose the financing solution that’s right for you. Call or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

EB Mortgage offers flexible commercial financing solutions designed specifically for real estate investors, self-employed borrowers, and entrepreneurs who may not fit traditional lending guidelines. Whether you are purchasing rental properties, funding renovations, building from the ground up, or expanding a commercial portfolio, our investor-focused loan programs provide fast, flexible options tailored to your goals.

Our financing programs include DSCR loans for 1 to 9-unit non-owner-occupied properties, no-documentation loans, bridge loans, mixed-use financing, construction loans, and rehab funding for multi-family properties. Investors can access financing for single-family homes, condos, office buildings, retail centers, industrial properties, and larger commercial assets.

No-Doc loans are especially popular among self-employed borrowers and experienced investors because they do not require traditional income verification or tax returns. Instead, approvals are based on factors such as credit history, investment experience, property cash flow, and liquid assets. These programs offer loan amounts from $100,000 to $5 million, rates starting at 4.375%, FICO scores down to 650, interest-only options, and up to 85% loan-to-value financing.

For investors focused on value-add opportunities, EB Mortgage also offers aggressive fix-and-flip financing with up to 90% LTV on as-is property value, 100% financing for construction costs, and up to 80% after-repair value financing. Ground-up construction loans and bridge financing are also available for investors seeking short-term capital solutions or financing for new developments.

At EB Mortgage, we understand that investment opportunities move quickly. Our commercial financing programs are built to provide flexible underwriting, competitive leverage, and streamlined approvals so investors can scale their portfolios with confidence.

Whether you are expanding your portfolio, financing a renovation, or pursuing your next investment opportunity, EB Mortgage has the flexible lending solutions to help you move forward with confidence. Contact our team to schedule a review.

EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Real estate investing offers a range of opportunities for building income and long-term wealth, but success often depends on choosing the right strategy. Whether seeking active involvement or passive returns, investors have multiple paths to consider—each with its own advantages, risks, and time requirements. Understanding these options is key to aligning an investment approach with individual financial goals and resources.

Common Real Estate Investment Strategies EB Mortgage Can Help Support

1. Publicly Traded REITs

Publicly traded real estate investment trusts (REITs) allow investors to gain exposure to commercial real estate—such as apartments, office buildings, and shopping centers—without owning property directly. These shares trade on stock exchanges, making them relatively easy to buy and sell. While REITs can provide income and diversification, their performance is often closely tied to stock market movements, which can lead to volatility.

2. Private Real Estate Funds

Private real estate funds pool investor capital to purchase and manage commercial properties. These professionally managed investments may offer steady income and potential appreciation with less sensitivity to public market swings. However, they typically require a long-term commitment, have limited liquidity, and are often available only to accredited investors.

3. Long-Term Rental Property Investing

Owning rental property is one of the most traditional real estate strategies. Renting a property on a long-term basis can generate ongoing income while building equity over time. That said, being a landlord involves responsibilities such as tenant screening, maintenance, repairs, and rent collection. Some investors manage properties themselves, while others hire property management companies.

4. Short-Term Rental Investments

Short-term or vacation rentals involve leasing properties for brief stays, often through online rental platforms. These properties may generate higher income during peak periods but can experience fluctuating cash flow. They also require more active management, including furnishing, cleaning, guest communication, and compliance with local regulations.

5. Fix-and-Flip Real Estate

House flipping involves buying a property, renovating it, and selling it for a profit—usually within a short timeframe. This strategy can be lucrative but carries higher risk. Success depends on accurate market knowledge, renovation expertise, strong project management, and controlling holding costs such as mortgage payments, taxes, and insurance.

Choosing the Right Real Estate Investment Strategy

Real estate can be a powerful addition to a diversified financial plan, but no single approach is right for everyone. Each strategy varies in risk, effort, and potential return. Evaluating your goals, resources, and risk tolerance, ideally with professional financial guidance, can help determine how real estate investing may fit into your overall wealth-building strategy.

Looking for a local mortgage company to support your investment growth? Contact the professionals at EB Mortgage for expert guidance and tailored lending solutions for every situation.

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Mortgage rates in 2026 have become increasingly unpredictable, creating new challenges for homebuyers—especially those entering the market for the first time. While rates improved late last year, recent economic pressures and global instability have pushed borrowing costs higher again.

Current Monthly Payments on a $600,000 Mortgage

At today’s average rates:

• 30-year mortgage at 6.37%: about $3,741/month
• 15-year mortgage at 5.87%: about $5,021/month

(Estimates exclude taxes, insurance, and PMI.)

These payments are up from just a few weeks ago, increasing roughly $160–$195 per month depending on the loan term.

Rising Rates and Market Pressure

Recent global events and economic uncertainty have added volatility to mortgage pricing. Lenders have responded by increasing rates and reducing available loan options, making affordability more challenging across the board.

First-time buyers are feeling the greatest impact:

• A growing share are now securing rates above 5%, especially those with smaller down payments.
• Buyers with less than 10% down are significantly more likely to face higher borrowing costs.
• Many are stretching a larger portion of their income to qualify.

At the same time, the number of available mortgage products has declined, giving buyers fewer options and less flexibility.

What This Means for Buyers

In a market where home prices around $600,000 are common, even small rate increases can significantly affect monthly payments and purchasing power. First-time buyers, in particular, may find it harder to compete or qualify as lending conditions tighten.

Should You Lock in a Rate Now?

With continued uncertainty, locking in a mortgage rate can help protect against further increases. While rates could stabilize or decline later, waiting carries the risk of higher costs or fewer loan options.

Bottom Line

A $600,000 mortgage currently costs between $3,700 and $5,000 per month, and recent market shifts suggest upward pressure may continue. For buyers who are financially prepared, acting now may provide more certainty and better positioning in a competitive market.

Working with a local lender like EB Mortgage in Grand Rapids can help you navigate these changes, compare loan options, and make informed decisions in a rapidly evolving market.

Original source: thetimes.com and MoneyWatch – CBSnew.com

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Commercial real estate investing is showing renewed momentum as investor confidence continues to strengthen heading into 2026. A recent survey from CBRE, the world’s largest commercial real estate services and investment firm, reveals that the vast majority of investors plan to increase or maintain their exposure to commercial real estate this year—signaling optimism around long-term returns and income potential.

According to the survey, nearly 75% of investors plan to buy more commercial real estate, while another 21% expect to maintain their current investment levels. Respondents included developers, private equity firms, real estate funds, and institutional investors across the United States and Canada. CBRE also projects that commercial real estate investment volume will increase by approximately 16% this year, reinforcing expectations of a more active market.

Why Commercial Real Estate Offers Strong ROI Potential

Despite ongoing concerns around economic uncertainty and labor market softness, many investors view today’s environment as a strategic opportunity to secure attractive pricing and long-term value. With significant capital—often referred to as “dry powder”—waiting to be deployed, demand for well-located, income-producing assets remains strong. This creates favorable conditions for investors focused on cash flow, appreciation, and risk-adjusted returns.

Commercial real estate continues to offer compelling ROI advantages, including:

• Stable income through long-term leases
• Potential for value appreciation through repositioning or redevelopment
• Portfolio diversification beyond traditional stocks and bonds
• Inflation hedging through rent growth and asset value increases

CBRE notes that while pricing discipline remains important, competition among buyers is increasing, particularly for stabilized, high-quality assets. This dynamic reinforces the importance of market knowledge and strategic asset selection when targeting returns.

Top Markets and Property Types for Investors

For the fifth consecutive year, Dallas ranked as the most attractive U.S. market for commercial real estate investment, followed by Atlanta and San Francisco. Other top-performing markets include Miami, Charlotte, Raleigh-Durham, Nashville, Tampa, Seattle, and New York City, reflecting strong population growth, job creation, and long-term economic fundamentals.

In terms of asset classes, multifamily properties—such as apartment buildings—remain the most sought-after investment type, with roughly three-quarters of investors targeting this sector due to its consistent demand and income stability. Industrial and logistics properties also continue to attract strong interest, driven by e-commerce and supply chain expansion, followed by selective opportunities in retail and office assets.

A Strategic Time for Commercial Real Estate Investing

As the market begins to rebound after a recent slowdown, investors are taking a more thoughtful, disciplined approach rather than chasing quick wins. This creates opportunities for well-capitalized buyers to find strong, high-quality assets with solid long-term returns. For those focused on steady income and building wealth over time, commercial real estate remains an attractive opportunity in 2026 and beyond.

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

As housing affordability continues to challenge homebuyers, President Donald Trump has expressed concerns about a proposal that would allow individuals to withdraw money from their 401(k) retirement accounts to use as a home down payment. Trump has emphasized protecting long-term retirement savings, noting that many 401(k) accounts are performing well and should remain focused on future financial security.

The proposed 401(k) withdrawal plan for homebuyers is part of a broader White House effort to address rising home prices, higher mortgage payments, and increasing down payment requirements. However, as debate continues around the proposal, many buyers are already exploring alternative paths to homeownership.

Platonic Co-Buying: A Growing Homeownership Strategy

One alternative gaining momentum is co-buying a home with friends or family, sometimes called platonic co-buying. This approach allows buyers to pool financial resources, share mortgage costs, and qualify for homes that might otherwise be out of reach.

According to the National Association of Realtors (NAR), the average age of first-time homebuyers has increased, with the typical buyer now reaching an all-time high of 40 years old. Single buyers—particularly single women—also represent a significant share of the market, highlighting a shift away from traditional homebuying models toward more flexible ownership arrangements.

Why Co-Buying Appeals to Today’s Homebuyers

Housing experts say co-buying offers several advantages:

• Reduces the need to tap into retirement savings
• Increases purchasing power
• Helps buyers afford higher home prices while sharing monthly housing costs
• Allows homeownership to be treated as a long-term investment

However, experts caution that co-buying requires careful planning, including clear legal agreements that define exit strategies. Open communication, aligned financial goals, and financial compatibility are essential to avoid future conflicts and protect all parties involved.

Housing Market Conditions Continue to Influence Buyer Decisions

Recent data shows that monthly housing payments have declined slightly, but home sale prices remain elevated in many markets. While some metro areas have experienced modest price drops, others continue to see price growth, reinforcing the need for creative affordability solutions.

Meanwhile, the Trump administration has explored additional policies, including a temporary cap on credit card interest rates and restrictions on institutional investors purchasing single-family homes. Both proposals have drawn criticism from financial and housing industry experts concerned about unintended market impacts.

Rethinking the Path to Homeownership

As the housing market evolves, strategies like co-buying reflect a broader reimagining of the American Dream of homeownership. For many buyers, sharing ownership may offer a practical alternative to tapping retirement accounts—balancing affordability today with financial security for the future.

Get pre-approved today, so you can shop tomorrow! Mortgage rates change daily and depend on your unique situation—contact EB Mortgage to find the best option for you.  

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Renovating your home is an exciting opportunity to improve comfort, function, and long-term value—but success starts with careful planning. Whether you’re upgrading a kitchen, refreshing the bathroom, or reimagining your entire layout, these key steps will help keep your project on track.

Set a Realistic Renovation Budget

Every successful renovation begins with a solid budget. Estimate the total cost of materials, labor, and any design or professional services. Unexpected issues—like hidden structural problems or outdated wiring—are common, so build in protection from the start.

Smart budgeting tips:

• Add a 10–20% buffer for unforeseen expenses
• Prioritize essential upgrades before optional enhancements
• Track all spending using a simple spreadsheet
• Review and adjust your budget regularly

A well-prepared budget reduces stress and gives you better control throughout the project. If you need additional financing, a home renovation loan can help you stay on schedule without stretching your savings.

Know Your Permit Requirements

Before work begins, check local building codes, permit rules, and any HOA regulations. Many renovations—such as room additions, wall removals, or major system installations—require official approval. Failing to secure the right permits can lead to costly fines, construction delays, or mandatory rework. Understanding the requirements upfront keeps your project compliant and protects your investment.

Design Spaces That Fit Your Lifestyle

Your renovation should make daily living easier and more enjoyable. Think about how your family uses each room and plan upgrades that support long-term needs.

Multi-functional spaces such as home offices, flexible guest rooms, added storage, or aging-in-place features can increase convenience and value. By blending good design with practical function, every update works harder for your household.

Reappraise After Your Renovation

If you’re planning to refinance, eliminate mortgage insurance, or tap into home equity, connect with your lender before the renovations are complete. EB Mortgage can coordinate a lender-ordered appraisal—the only type accepted for financial decisions.

Upgrades like remodeled kitchens, refreshed bathrooms, or new flooring can significantly boost market value. A proper appraisal ensures your improvements translate into better loan options and higher borrowing power.

Bringing Your Renovation Vision to Life

A home renovation is more than cosmetic—it’s a long-term investment in comfort, function, and future value. By preparing a clear budget, understanding permits, designing functional spaces, hiring reliable contractors, and planning for day-to-day disruptions, your project becomes smoother and more rewarding.

Thoughtful planning turns your home into a beautiful, efficient, and future-ready space you’ll enjoy for years to come. If you’re preparing for a renovation and want to explore your financing options, contact EB Mortgage for trusted guidance—and get preapproved today!

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Thinking about updating your kitchen, finishing your basement, or tackling that long-awaited home remodel? With recent rate drops, this could be the perfect time to start.

Interest rates for Home Equity Lines of Credit (HELOCs) recently fell, making it more affordable for homeowners to tap into their home equity. Mortgage rates have also dipped to some of their lowest levels in a year—averaging around 6.13% for a 30-year fixed-rate loan.

Why Rates Are Falling

While mortgage rates aren’t directly tied to the Federal Reserve’s interest rate, they often move in the same direction. With the Fed expected to lower rates several more times this year, borrowing costs could continue to drop—good news for both homebuyers and current homeowners.

Lower rates can mean significant savings. Homeowners can borrow more affordably to fund renovations, cover major expenses, or refinance to lower their monthly payments.

How Federal Rate Cuts Affect HELOCs

HELOC rates aren’t set by the Federal Reserve, but they usually move in sync. When the Fed lowers its benchmark rate, HELOC interest rates tend to follow within a month or two—often reducing payments for current borrowers.

Because the Fed’s base rate also impacts credit cards, auto loans, and personal lines of credit, continued rate cuts could mean even more savings across the board. For Michigan homeowners and throughout the US, this makes a HELOC a flexible and attractive financing option.

How a HELOC Loan Works

A HELOC loan lets you borrow against the equity in your home. It functions like a revolving credit line—you borrow only what you need and pay interest only on the amount you use.

Your available credit is based on your home’s equity, which is the difference between its current value and what you owe. HELOCs generally offer lower interest rates than credit cards and include a draw period of five to ten years, followed by a repayment period of ten to twenty years.

Why Homeowners Choose a HELOC

A HELOC gives you flexibility—you can open one now and use it only when needed. Interest may also be tax-deductible when funds are used for qualified home improvements (consult your tax advisor).

Homeowners often use HELOCs to:

• Fund home renovations or improvements
• Pay for large expenses such as college tuition or medical costs
• Consolidate higher-interest debt
• Have a financial safety net for emergencies

Explore Home Equity Options with EB Mortgage

With interest rates trending downward, EB Mortgage helps homeowners make the most of their home equity. Whether you’re planning a major renovation or looking for added financial flexibility, now is an excellent time to review your lending options and get pre-approved.

The loan process can be complex, but our experienced consultants make it simple. We’ll guide you through every step—from understanding your options to closing your loan—so you can move forward with confidence.

Contact EB Mortgage for your pre-approval today!

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

September is National Mortgage Professional Month, a time to honor the people who work behind the scenes—and on the front lines—helping families and individuals achieve the dream of homeownership. At EB Mortgage in Grand Rapids, MI, we’re proud to be part of this tradition of service, expertise, and community commitment.

Why This Month Matters

The mortgage industry is about more than numbers and paperwork—it’s about people, families, and futures. Mortgage professionals guide clients through one of the most important financial decisions they’ll ever make, ensuring the process is clear, efficient, and tailored to each unique situation. From first-time buyers to seasoned homeowners, this month recognizes the care and effort that goes into making homeownership possible.

EB Mortgage in Grand Rapids, Michigan

Here in West Michigan, EB Mortgage has built its reputation on personalized service and local expertise. We know that every borrower’s story is different, and we take pride in offering solutions that fit each client’s needs. Whether it’s helping a family secure their first home, assisting with refinancing options, or navigating the move-up process, our team is dedicated to providing confidence and peace of mind at every step.

Our Commitment to You

During National Mortgage Professional Month, we celebrate the trust our clients place in us. We’re more than mortgage specialists—we’re partners in your journey. By combining industry knowledge with a genuine understanding of the local market, EB Mortgage is here to help you make smart, informed decisions—whether it’s homeownership, refinancing, specialty loans, or nationwide commercial lending.

EB Mortgage – Grand Rapids, MI: Your local partner in homeownership and wholesale lending.

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

If you’re a developer or investor looking to finance a multifamily or residential project in Michigan, the Michigan Pass-Through Bond Program through MSHDA may be a valuable option. Here’s what you need to know:

1. How it works:

• The bonds are primarily the responsibility of the borrower—not the State of Michigan or MSHDA.
• Financing is secured by the project itself (revenues, property) and a form of credit enhancement approved by MSHDA.
• In some cases, private placement structures may be used with MSHDA approval.

2. Types of financing:

• You can use the program for long-term financing (construction plus permanent) or short-term construction financing.
• All projects must meet MSHDA’s requirements for credit enhancement.

3. Program limits and timing:

• There is a $400 million total volume cap for the program.
• Applications are processed on a first-come, first-served basis, so timely and complete submissions are important.
• The program ends either at the July 2026 or June 2026 MSHDA meetings or when the volume cap is reached.

4. Project requirements:

• At least 10% of units must be affordable for households at or below 40% of Area Median Income (AMI) or meet other MSHDA mission objectives such as rural development or permanent supportive housing.
• Projects must follow proper installation, sealing, and maintenance standards if incorporating certain construction materials.

5. Why it matters for borrowers:

• The program offers flexible financing for large residential projects, including tax-exempt bond opportunities.
• It can help you secure long-term funding while meeting affordability or community-focused objectives.
• Being aware of volume caps and application timelines helps you plan your project and avoid delays.

This is a brief overview of the Michigan Pass-Through Bond Program, designed to help developers and investors explore flexible financing options. For complete details, visit Michigan.gov.

Ready to finance your project? Contact EB Mortgage for expert guidance on small or large business lending, including multifamily and residential development projects in Michigan.

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.