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Jerad Kinney, (NMLS ID 884810)

Jerad Kinney

Sr Loan Advisor NMLS ID: 884810

39900 Eight Mile Road

Northville, MI 48167

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

I am an experienced loan originator with over 15 years of service. I’ve had the pleasure of assisting many homeowners with their home loan needs, closing more than 1,500 transactions in my career. My extensive knowledge as a loan originator and financial expertise enable me to provide outstanding service to my clients.

 

I’m extremely dedicated to determining the best financial solutions for my clients. Throughout my years of success in the mortgage industry, I’ve earned the trust of my clients and industry peers as a knowledgeable and reliable mortgage professional. The majority of my business comes through referrals from past clients, real estate professionals, and other financial service providers. I consider this the most rewarding aspect of my career. I take great pride in my passion, vision, constant communication, and ethics.

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

Kari B.
Jerad went out of his way to ensure that my fiancé and I felt completely comfortable, from initial application to closing. He is a true professional with fantastic knowledge of the industry and a wonderful upbeat personality. We highly recommend Jerad.
Jeffrey W.
Jerad exemplifies everything it means to be a professional. He is knowledgeable and down to earth, making what is typically a stressful process easy to understand and gives you the confidence that your issues are being handled correctly. Highly recommend!
Leonard Z.
Appreciate the professionalism and diligence Jerad brought to helping us get the loan approved.
Logen C.
Jerad was absolutely amazing! I could not recommend him more. If we ever refinance or decide to move again, he will be our guy! He got us a lower interest rate and lower amount down than I expected.

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

Today's Rate
Mortgage Rate APR
30-Year Fixed 7.055% 7.210% 1
15-Year Fixed 6.387% 6.633% 2
FHA 30-Year Fixed 5.803% 6.683% 3

1Rate 7.055% with an APR of 7.210% as of 5/20/2024 10:10 AM 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 $1,606. 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 6.387% with an APR of 6.633% as of 5/20/2024 10:10 AM 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 $2,076. 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 5.803% with an APR of 6.683% as of 5/20/2024 10:10 AM 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 $1,433. 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.

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Jerad Kinney

Sr Loan Advisor NMLS ID: 884810

39900 Eight Mile Road

Northville, MI 48167

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