Business Details
Your Trusted Mortgage Partner in Grand Rapids
Team Mortgage has served West Michigan homeowners for over a decade, delivering exceptional customer service and tailored mortgage solutions. Our Grand Rapids-based team specializes in helping clients buy, sell, or refinance homes with a commitment to transparency and reliability. By partnering with multiple lenders, we offer diverse financing options that banks cannot match, leveraging our industry relationships to secure competitive rates and faster approvals.Our philosophy centers on prioritizing clients' needs, with no upfront fees for standard applications and full disclosure of costs for complex cases. We pride ourselves on professional expertise, timely service, and a track record of successful transactions that reflect our dedication to customer satisfaction. Our staff's extensive industry experience ensures clients receive informed guidance throughout the mortgage process.
Services
Refinancing
Reverse Mortgage Loans
VA Loans
FHA Mortgages
Rural Development Loans
Zero Down Mortgages
FHA 203(k) Loans
Home Purchase Mortgages
Loan Calculators
Mortgage Programs
Highlights and features
- We offer access to multiple lenders for competitive financing options
- Our team provides personalized mortgage guidance with no upfront fees
- We leverage industry relationships for faster approvals and lower rates
- Our customer-first approach ensures transparent communication throughout
- Decades of combined experience in specialized loan programs
Associations and certifications
- NMLS #129757
What people say
Exceptional customer service
Smooth refinancing process
Knowledgeable loan officers
Personalized mortgage guidance
Timely approvals
Services
Refinancing
Our refinancing services help homeowners lower monthly payments, reduce interest rates, or convert adjustable-rate mortgages to fixed-rate loans. We specialize in streamlined programs like DU Refi Plus that accommodate credit challenges while maintaining competitive terms. Clients benefit from personalized consultations to determine optimal refinancing timing and strategy.
Reverse Mortgages
We provide HUD-insured HECM reverse mortgages for homeowners aged 62+. These loans convert home equity into tax-free cash while allowing borrowers to remain in their homes. Our specialists explain program requirements, payment options, and implications for heirs through comprehensive consultations.
VA Loans
Our VA loan program offers zero-down financing with favorable rates for eligible military personnel. We guide veterans through certificate of eligibility processes and help maximize benefits while meeting Department of Veterans Affairs requirements for property condition and loan amounts.
FHA Mortgages
We facilitate FHA 203(k) rehabilitation loans that finance home purchases and renovations in one transaction. These programs accommodate lower credit scores and minimal down payments while requiring mortgage insurance premiums that can be included in loan amounts.
Rural Development Loans
Our USDA loan program enables zero-down home purchases in eligible rural areas. We verify property eligibility, assess income requirements, and process applications with flexible debt-to-income ratios while ensuring compliance with USDA property standards and occupancy requirements.
People
Thomas C Girardot
President | Senior Loan Officer
With extensive mortgage industry experience, Thomas leads our team in delivering personalized loan solutions while maintaining strict compliance with regulatory standards.
Kelly Dugan
Senior Processor
Kelly manages complex loan documentation processes, ensuring accurate and timely submission of mortgage applications through her detailed understanding of underwriting requirements.
Jim Potts
Senior Loan Officer
Jim specializes in guiding clients through specialized mortgage programs, leveraging his knowledge to help borrowers achieve homeownership goals.
Robin Button
Senior Mortgage Loan Officer
Robin provides expert mortgage advice, focusing on client education and tailored financing solutions that match individual financial situations.
Loretta Cetkovic
Loan Officer
Loretta assists clients with mortgage applications, offering clear explanations of loan terms and requirements to simplify the home financing process.
Questions
What mortgage programs do you offer?
We provide VA loans, FHA mortgages, USDA rural development loans, reverse mortgages, refinancing options, and zero-down programs tailored to individual needs.
How do I start the mortgage process?
Begin with a pre-approval consultation where we assess your financial situation and discuss suitable loan programs for your goals.
Can I refinance with bad credit?
Our DU Refi Plus program accommodates credit challenges, allowing refinancing with lower scores and minimal documentation requirements.
What are the benefits of a USDA loan?
USDA loans offer zero-down financing for eligible rural properties with competitive rates and flexible income requirements for qualified borrowers.
How does a reverse mortgage work?
Reverse mortgages convert home equity into cash for seniors aged 62+, with payments received while retaining home ownership until sale or permanent move.
Do you offer online mortgage tools?
Our website provides mortgage calculators, rate watchers, and educational resources to help clients make informed financing decisions.
