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Jason Stiltner, (NMLS ID 27546)

Jason Stiltner

Sr. Loan Advisor NMLS ID: 27546

39900 Eight Mile Road

Northville, MI 48167

I’m a mortgage expert with significant experience and in-depth industry knowledge.

I have been helping clients make sound financial decisions since 2004. What sets me apart is my ability to leverage my experience to help clients feel comfortable with complex transactions. From there, we can find a personalized mortgage solution that fits them perfectly.

 

I ask important questions upfront and ensure we have clear, continual communication. Bring me your tough challenges, and rely on me for honest, straightforward advice. I am able to originate loans nationwide, so no matter where your path leads, I want to be your lender for life.

 

I have been an Oakland County resident for many years. In my free time, when I’m not biking or traveling, you can find me at Tigers and Red Wings games. I also enjoy volunteering and attending charity events. If you are part of one, please share it with me!

 

I look forward to exceeding your expectations!

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Client Testimonials

Elizabeth D.
Jason Stiltner was AMAZING! He worked nonstop for us, answered all of my questions, and was super kind and welcoming. This was an amazing first-time homebuying experience, and Jason had a lot to do with that. We appreciate him and Flagstar so much!
Allison F.
Jason was phenomenal from start to finish, and the process couldn't have gone smoother. It was amazing working with him and his team!
K.M. & P.P., Rochester, MI
As first-time homebuyers, we had loads of questions. Jason answered them all quickly, completely, and at all hours. We were impressed with the level of contact Jason maintained with us. He held our family’s hand through every step of the process.
E.L., Westland, MI
I recently had the opportunity to work with Jason. I quickly learned that I was in good hands with him. I was able to contact him, day or night, with any questions. He was professional, caring, and diligent. It was a pleasure, I highly recommend him.

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Pre-qualify & Gather Financials

Submit your financial information and we'll give you a personalized estimate for your loan.

Pre-approval

Once you're pre-approved, we'll coordinate with the escrow or title company

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Close & Receive your funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

Loan Application

Complete a loan application online, and submit the necessary financial documents.

Appraisal

We'll conduct an appraisal of your property to determine its current value.

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Find the loan product that's right for you.

Are you looking to purchase a new property or refinance an existing one?

Today's Rate
Mortgage Rate APR
30-Year Fixed 7.072% 7.227% 1
15-Year Fixed 6.400% 6.646% 2
FHA 30-Year Fixed 5.773% 6.653% 3

1Rate 7.072% with an APR of 7.227% as of 4/8/2024 4:08 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,608. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

2Rate 6.400% with an APR of 6.646% as of 4/8/2024 4:08 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,077. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

3Rate 5.773% with an APR of 6.653% as of 4/8/2024 4:08 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,429. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

Find the loan product that's right for you.
Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

Request a contact

Fill out the information below and I'll reach out to you shortly.

Jason Stiltner

Sr. Loan Advisor NMLS ID: 27546

39900 Eight Mile Road

Northville, MI 48167

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