Shop more lenders.
Choose with confidence.
Through Edge Home Finance, I compare mortgage options from 170+ wholesale lenders, explain the real tradeoffs in rates, fees, and payments, and stay personally involved from our first conversation through closing. | 30-Year First-Lien HELOC
Team
Solutions
Communication
Lenders
Free initial consultation•No obligation•No hard credit pull to explore options
Chris Schults│Michigan Mortgage Loan Officer│NMLS #2838383│Edge Home Finance, LLC NMLS #891464
▶ Welcome from ChrisMeet Chris. He can help you compare your options.
A real advisor from the first conversation through closing.
A mortgage is more than a rate. It is a major financial decision that deserves clear explanations, thoughtful comparisons, and someone who stays involved. I will help you understand your options, answer your questions, and make a confident decision without unnecessary pressure.
More About ChrisExplore your mortgage options.
Start with the section that best matches what brought you here.
Meet Chris
Meet the Michigan loan officer who will stay personally involved from your first conversation through closing.
Learn more →🏠Purchase
Explore mortgage options for your first home, next home, investment property, or jumbo purchase.
Learn more →↺Refinance
See whether refinancing could lower your payment, change your term, or help you put your equity to work.
Learn more →📖Knowledge Base
Get straightforward answers to common mortgage questions, supported by reliable sources and real data.
Learn more →📍Service Areas
Explore local housing and mortgage guides for communities throughout Michigan.
Learn more →🤝For Partners
Learn how Chris works with realtors, advisors, builders, insurance agents, and attorneys.
Learn more →Estimate your complete monthly payment.
Most calculators stop at principal and interest. This one also estimates Michigan property taxes, homeowners insurance, PMI, and HOA costs to give you a more complete monthly-payment estimate.
See your true monthly cost
Estimated total monthly payment (PITI)
Estimate for illustration only, based on the numbers you entered. Not a rate quote, loan estimate, or offer of credit. County tax rates are owner-occupied medians; in Michigan, a purchase can reset the taxable assessment, so a new buyer's bill often runs higher. Your actual rate and payment depend on your application.
Lock this estimate
Chris will review your numbers and confirm what's realistic, usually same-day.
Why work with Chris?
Licensed in Michigan
NMLS #2838383, backed by Edge Home Finance, company NMLS #891464.
170+ lenders compared
Explore mortgage options from dozens of wholesale lenders through one local advisor.
One point of contact
Work directly with Chris from your first question through closing.
Clear comparisons
Understand the differences in rates, fees, payments, and loan structures before you decide.
Backed by Edge Home Finance.
Chris brokers through Edge Home Finance, an established wholesale mortgage brokerage recognized by organizations across the industry.
Serving borrowers across Michigan.
Explore local market guides covering home prices, property taxes, housing considerations, and available assistance programs.
Mortgage questions, clearly answered.
Straightforward guidance for Michigan homebuyers and homeowners, supported by reliable sources and real data.
- Jul 2026
Can you get a mortgage with a 580 credit score?
Yes, through FHA, and the mortgage insurance costs the same as it would with a 780. What matters is which lender you ask.
- Jul 2026
How much do you actually need to put down on a house in Michigan?
Most people think 20%. The median first-time buyer puts down 10%, and some programs start at zero. Here's the real math on a Michigan home.
- Jul 2026
Michigan down payment assistance in 2026, explained
The state will lend you $10,000 at zero interest for a down payment, and Detroit grants up to $25,000. Here's what's open, what's gone, and how to qualify.
- Jul 2026
Should you wait for mortgage rates to drop?
Forecasters have underestimated rates three years running, and the Fed cutting doesn't mean mortgages get cheaper. The honest math on waiting.
See which mortgage options may fit you.
Free · No obligation · No hard credit pull to explore options