Michigan Mortgage Strategist

Local knowledge.
Real strategy.
Better outcomes.

Most lenders hand you a rate and step back. I sit at your table , helping you buy smarter, compete harder, and close with confidence.

Rochester-based. Trusted across Oakland & Macomb County.

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What you get when you work with me
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Same-day pre-approvals So you never lose a deal waiting on paperwork
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Offer strategy support I help structure financing to win in competitive markets
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Direct access , always Call or text me directly. No call centers, no gatekeepers.
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Deal-saving mindset When something comes up, I find the path forward
🏠 Equal Housing Lender
🔒 NMLS #31194
📍 Licensed in Michigan
For Homebuyers

Buy with clarity. Win with strategy.

Buying a home shouldn't feel like navigating a maze alone. I explain what's actually happening with rates, show you exactly what you can afford in real dollars, and help you put together offers that compete.

Let's Talk →
For Real Estate Agents

I make your deals stronger. Your life easier.

When you send a client to me, you're not just handing them a lender , you're giving them a strategic partner. I communicate proactively, move fast, and protect your deals the same way you do.

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Market Intelligence

What I'm seeing right now

All Insights →
First-Time Buyers

How Much Income Do I Need To Buy a $300,000 House in Michigan?

A Michigan loan officer breaks down the real household income needed to buy a $300,000 home, using debt-to-income math and local Oakland and Macomb County numbers.

 For Agents

How a Lender-Paid Buydown Turned a Lost Deal Into a Closed One

A Rochester buyer was ready to walk on their dream home over the payment. Here is how a lender-paid 1/0 buydown got them to write the winning offer.

 For Agents

I Got Sued Under the TCPA. Here Is Where the Law Actually Stands in 2026.

A Michigan broker who paid six figures to settle a serial-plaintiff TCPA suit gives the field a straight read on enforcement, the vacated one-to-one rule, and tighter revocation duties.

 Fed Watch

What the Fed's April decision means for Michigan home buyers

The Fed held rates on April 29, 2026. Here's what it actually means for buyers in Oakland, Macomb, and Wayne , and whether waiting for cuts is still a strategy.

 Market Update

Why deals are falling apart right now , and how to prevent it

Three things I'm seeing kill contracts in Oakland County right now, and the simple pre-approval moves that protect you before they happen.

 First-Time Buyers

If you're buying in Michigan this year, read this first

MSHDA programs are changing. Here's what's available, who qualifies, and how down payment assistance actually works in a competitive offer situation.

 For Agents

How we're winning offers in multiple-offer situations right now

Financing structure is a competitive weapon most buyers aren't using. Here's what I'm doing with buyers to make their offers stand out on price AND terms.

 Rate Reality

Will mortgage rates go down in 2026?

Everyone wants to wait for rates to drop. Here's the honest math on whether that's actually a good strategy for Michigan buyers right now.
Market Reports

Hyper-local school district market reports

Real MLS data, every closing the last 12 months, filtered by school district. Live MLS feed of active listings. Free equity tracker for current homeowners. Updated monthly.

Partner Report · Oakland County

Royal Oak Schools

1,007 closings $365K median 13 day median DOM
Co-branded with Kevin DeVergilio →
Oakland County

Rochester Community Schools

911 closings $512K median 10 day median DOM
View market report →
Macomb County

Chippewa Valley Schools

1,157 closings $349K median 15 day median DOM
View market report →
Coming next

Utica, Troy, Birmingham, and more

Eight more districts in the master plan, one per month. Each page covers MLS data, school intelligence, live listings, and home value tools.

About Tommy

Michigan through and through.

I've been in mortgage for over 20 years. I've seen every market , hot, frozen, uncertain, and everything in between. What stays constant is how I work: direct, fast, and fully accountable to my clients and the agents who trust me with theirs.

I'm not a call center. I'm the person who picks up the phone, knows your file, and finds the answer when things get complicated.

Proud supporter of Rochester High School Athletics. Rochester-based, Michigan-focused , this is home, not just a market.

Tommy Lower
NMLS #31194
20+ Years Experience
Ready to Move?

Let's talk before you need me , not after.

The best time to connect is before you're already in a deal. A 15-minute conversation now saves weeks of stress later.

📞 Call Direct (586) 315-4507 💬 Text Tommy (586) 315-4507