Loan Options


Whether you are shopping for a home in Michigan or Florida, it all starts with finding a competitive lending product that suits your needs.

When you contact us for a home loan, you receive un-biased advice to help you select a mortgage that will minimize your interest and maximize your return on investment.



Find the Home Loan to Achieve Your Goals

With our wide selection of mortgages, there is a lending product to suit every scenario.



Conventional

A conventional mortgage is one that does not feature backing from a government agency. Conventional mortgages that conform to the Fannie Mae and Freddie Mac loan limits are called conforming loans.

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FHA

A home loan that is backed by the Federal Housing Administration is called an FHA mortgage. With their flexible qualification requirements, affordable rates, and other benefits, they are suitable for homebuyers with a wide range of financial scenarios.

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VA

To help veterans, active duty service members and eligible surviving spouses move affordably into homes, the Department of Veterans Affairs backs VA loans. If you qualify, you can purchase a home in Florida or Michigan with zero down.

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USDA

If you want to buy a home in a rural part of the country with no down payment, you can apply for the income-based USDA mortgage program backed by the US Department of Agriculture.

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Jumbo

Purchase a home with a non-conforming loan that exceeds the Fannie Mae and Freddie Mac loan limits.

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Reverse Mortgages

A reverse mortgage allows senior homeowners to borrow against their home equity for increased retirement cash flow.

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Self Employed Borrower

Applying for a home loan when you are your own boss can be easy. Use your bank statements instead of a W-2 to verify your income.

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First Time Home Buyer

Get the answers you need to choose the right type of mortgage for your first home. Our friendly loan experts can explain the steps of the mortgage process to you in detail and provide you with guidance in choosing from the mortgage options on this list.

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Interest Only

With this type of home loan, you only pay interest over the introductory period of the mortgage.

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Bridge Loans

Buying one home while selling another? Get the short-term financing you need with a bridge loan.

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2nd Home Loan

Invest in a second home or vacation home with a flexible mortgage.

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Non Warrantable Condos

This type of mortgage allows you to purchase a condo that does not fit within the Fannie Mae and Freddie Mac requirements for financing.

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Not sure what type of mortgage to apply for?

Explore all of these options in-depth during your consult.


See What Our Clients Are Saying About Us!

Maddy Jonas
Maddy Jonas
1680315809
This was my third house purchase, and by far, it was the first time that I felt like a mortgage company was on my side. Being an out of state buyer and doing everything over video, email and phone, we were depending on reliable, honest information. Sean was an indispensable factor, in helping us narrow down our options. We did not know that Michigan’s property tax environment would be one of the key factors in our purchase. With Sean’s advice, we were able to see the clear choice. This type of insight is what every buyer needs. Everyone at Ascend Mortgage (Sean, Maria and Ben) helped make this virtual buying experience a reality. Choose this company if you want genuine service from people who have your back. Thank you Ascend Mortgage!
Nicole Standard
Nicole Standard
1654267511
Trevor Cox
Trevor Cox
1652715249
If you are looking for a rockstar team to help with your lending needs, then reach to Sean and his team at Ascend Mortgage! Through every step of the process they were always there for us if we had questions and were very knowledgeable about market conditions. Their team was on top of everything in which helped us close fast! I have worked with this team twice in the past 5 years and would recommend anyone to them!
Zachary Wagner
Zachary Wagner
1652293036
My wife and I just purchased our first home and worked directly with Sean, Ben, and Maria. We had many questions and each of them on separate occasions reached out quickly and were a major help to us. We highly recommend using Ascend Mortgage as they are very smart and more than capable of going the extra mile for there customers!
Britney Glowe
Britney Glowe
1649021716
The team at Ascend Mortgage was so great to work with. They communicated quickly and efficiently, and helped make the entire process smooth and easy to navigate.
Brooke Busse
Brooke Busse
1646361201
This company is amazing! They did everything possible to make sure I was in the best position to have an amazing offer on a house. The lender would call the listing agent and send him videos on my behalf. On top of that, they were able to close on my house in 20 days. I would recommend this company to anyone looking to buy a house.
Maya LaFlamme
Maya LaFlamme
1643757648
Our realtor recommended Sean at Ascend Mortgage along with a couple of other local lenders. We ultimately chose Sean because the platform and website was extremely user friendly. Honestly, we couldn’t have picked a better lender as first time home buyers. Sean answered all of our questions before we even asked. He is so knowledgeable, warm and treated this process with so much care. At no point did we feel ignorant, abandoned or judged. Even when we had to talk about our finances (my credit score was very, very low) I didn’t feel shame or embarrassment. Sean came up with a plan that helped my credit and put us in a position for a potentially better interest rate in the future. Ben and Maria put in so much administrative work and answered all of our questions quickly and kindly. I loved how easy the portal was to upload our documents and see when they’re been reviewed and accepted. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Maria and Ben especially showed up strong during the underwriting process. We had a grant and they were incredible juggling the needs and priorities of our funder and the lender.All in all, this experience was amazing and easeful. I would use Ascend again, again and again.
Sean Chamberlain and his team did a great job assisting us with a home loan! Sean in particular did an excellent job explaining and assisting with every step in the process. We found his use of video messages very helpful.
Denise Roe
Denise Roe
1640372242
This is our 7th home purchase and I can say, without a doubt, Ascend mortgage was by far the best mortgage company we have ever worked with. Sean was phenomenal to work with and extremely knowledgeable on financial planning and strategy. Thank you to the Ascend team!
Jeff Roe
Jeff Roe
1640207060
Sean and his team did a fantastic job handling our mortgage for our vacation home in Michigan. He was extremely easy to work with and explained everything along the way, making this a very painless process for us. I can't recommend Sean and his team at Ascend Mortgage enough!
Thomas Parkhill
Thomas Parkhill
1638106472
I have had the pleasure of working with Ascend Mortgage and Sean Chamberlain previously. This year I had the privilege of working with Sean's assistant, Maria Janiszewska-Chamberlain and Operations Manager, Ben Daiek, who helped me get everything electrically signed, and ready to go to the Transnation Title Company in Clarkston. Ben was extremely helpful and very patient with an old guy who is not very sharp with new technology on my computer and cell phone. Ben also delivered my documents to my residence.I don't know about other mortgage companies, but I would highly recommend Ascend Mortgage LLC with Sean Chamberlain and his team with Maria and Ben for a wonderful experience my wife, Cindi and myself received.Thomas H. Parkhill
We absolutely loved working with the team at Ascend! We wouldn’t have gotten our home in this competitive market without the speed with which they could promise to process our mortgage. They were also incredibly friendly, professional, and easy to work with. We had an amazing experience. 10/10!
Drake Jarmon
Drake Jarmon
1632314139
Working with Sean and his team was extremely easy! Very professional and quick to respond. Always available, day or night, to answer any questions that we had. Up to date technology!! Highly recommend for the purchase or refinancing of your home.
Stefan Anderson
Stefan Anderson
1631894830
Great experience overall. They took a personal approach to educate us on our home buying journey to ensure we knew what to expect to aid us in our decision process.
Tony Yancey
Tony Yancey
1629490950
Wes Evans
Wes Evans
1628286575
I met Sean chamberlain and his excellent team during at service call at his office.After talking about the results of his AC diagnosis we began talking about life and finances Sean is very easy to talk too and has great advice for first time and longtime homeowners.When it comes to making financial decisions I HiGHLY recommend Sean and his team at ascend mortgage to anyone looking to refinance there home.Anytime I had a question either him or his team were right there to make sure I had an answer quickly
Ashlynn Graff
Ashlynn Graff
1627927942
We have used Sean and his team at Ascend Mortgage for a new purchase and two refinances. I am a former real estate agent and have worked with many different mortgage companies. Ascend Mortgage is by far the best! The rate is always the lowest I can find. They are extremely responsive and transparent. I get weekly updates from them that shows me my current house value and neighborhood trends. They contact me when I can save money on my mortgage and get a better rate without pestering me. They are just all around great people. Thank you Sean, Ben and Maria!
Dan Lupo
Dan Lupo
1627321701
I primarily worked with Ben Daiek and Sean Chamberlain at Ascend Mortgage and they made this process quick, easy and understandable. It was painless and way less intimidating than I thought it would be. They got me a great rate and there’s nothing more that I could ask for or that I would change about my experience.
CoMi ProVa
CoMi ProVa
1624160631
Ascend mortgage has been amazing, thanks to them we were able to get an amazing rate, the communication was consistent and extremely pleasant and we were able to buy our dream house in a crazy market. Thank you Ascend team, you are awesome!
Greg Tony
Greg Tony
1621889164
We had a great experience working with both Sean and Ben! The team is very responsive and they were able to answer all of our questions.
Caitlin Wysocki
Caitlin Wysocki
1619618914
Ascend Mortgage made the process of buying my first home so easy! Sean, Maria, and Ben were extremely helpful and I’m so glad we chose their team. Sean sends personalized videos in all his emails which makes it so easy to communicate. They were all very invested in our home-buying process and it truly felt that they cared about us. They were always available any time I had questions and I would recommend them to anyone I know buying a house.
Kelli Joubran
Kelli Joubran
1616110375
Sean, Ben, and Maria made the financing process of buying my new home so easy! Their professionalism, knowledge, responsiveness...5 stars! I'd recommend Ascend mortgage without hesitation.
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Apply Now for a Competitive Home Loan

The loan process at Ascend Mortgage is fast, easy, and entirely virtual. To get started now, please call us at (248) 775-1275 to schedule your consultation. When you work with us, you can close 29 days faster than average. Sooner than you think, you will be opening the door to your new home.