What I do
Why Justin?
Your choice of mortgage advisor can make all the difference. Having successfully closed over 1000 loans, I bring a wealth of experience to the table, ensuring you receive exceptional results. Communication, efficiency, and transparency are the cornerstones of my approach. I believe in making the mortgage process as smooth and stress-free as possible for my clients. With me by your side, you can trust that your mortgage journey will be handled with care and expertise.
Home Purchase
As your dedicated home purchase specialist, I'm here to simplify the home buying process for you. Purchasing a home can feel overwhelming, but with the guidance of an experienced mortgage broker, you can rest assured knowing that everything will be taken care of seamlessly. Every pre-approval includes a comprehensive pre-underwrite, ensuring a smooth and efficient closing process. With my expertise and dedication, the average time from submission to close with me is just 11 calendar days.
Home Refinance
Looking to refinance? With my expertise as a Mortgage Broker, I have access to a vast array of loan products, ensuring that you secure the loan that best fits your needs. Whether you're seeking a Rate and Term refinance, Cash Out refinance, FHA Streamline, VA IRRRL, or any other refinancing option, I've got you covered. Having successfully closed hundreds of refinances, you can trust me to navigate the process smoothly and efficiently.
Contact Information
Phone (call/text): 248-520-8951
Email: jallor@easemortgage.com
Client Success
The Home Buyer’s Journal
Frequently Asked Questions
Please reach us at 248.520.8951 or jallor@easemortgage.com if you cannot find an answer to your question.
Nope! We have low down payment options for our clients. We have options as low as 1% down, and 3% down payment options for all first time home buyers.
Most pre-approvals are done same day. Some more complicated applications may need additional days for an income or asset analysis.
We can answer this after your pre-approval is issued. It's all about your Debt to Income. (How much money is coming in/how much is going out). We will deep dive into your loan application, once we do our magic, we will let you know what your home buying budget looks like.
Perfect credit is not always needed to achieve the dream of home ownership. We have plenty of options to get you taken care of. And if not, we will get you on the right path to get your pre-approved shortly down the road.
Most loans close within 3 weeks or less!
Some loan products do require an escrow account to be established. However, most loan products do allow the flexibility to waive your escrow account set up. Just remember to pay your taxes and insurance!
We do our best to estimate or overestimate your closing costs to ensure we don't have any unwanted surprises. Clients should expect closing costs ranging from 3-5% of your purchase price. The 3-5% example includes your taxes and insurance!
Justin and his team are always available to answer any post closing questions!
A real estate agent helps you discover homes that fit your wish list, they set up showing times, they give you helpful tips about the current market, and they negotiate the purchase with the home seller.
You can call Justin at 248.520.8951 or scroll up to find the "Click here to submit a loan application" button
Let's talk
NMLS #2093054 - Michigan Home Loan Expert
Copyright © 2024 JustinAllor.com. All Rights Reserved.
NMLS #2093054 | United Lending Team, LLC NMLS #2273319
1050 Wilshire Drive, Suite 300, Troy, MI 48084
Licensed in Michigan. Equal Housing Lender. Justin Allor is a licensed Mortgage Loan Originator with United Lending Team, LLC. United Lending Team, LLC is a licensed mortgage company regulated by the Michigan Department of Insurance and Financial Services (DIFS). All loans are subject to credit and property approval. Terms and conditions may apply. Programs, rates, and guidelines are subject to change without notice. This is not a commitment to lend.
Example: The principal and interest payment on a $200,000, 30-year fixed-rate loan at 6.625% with 97% loan-to-value (LTV) is $1,280.62. The annual percentage rate (APR) is 7.205% with an estimated finance charge of $5,600. Monthly payments do not include property taxes or homeowner’s insurance, which will result in a higher actual monthly payment.
Equal Housing Lender | NMLS Consumer Access: www.nmlsconsumeraccess.org
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