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Michael Luedecking, (NMLS ID 1614898)

Michael Luedecking

Sr Loan Advisor

NMLS ID: 1614898

I am committed to providing you with the highest quality home lending experience.

Apply Now Contact me

301 West Michigan Avenue

Jackson, MI 49201

About Michael Luedecking

Born and raised in Jackson County, I am skilled and prepared to help you with your mortgage needs. If you are in the market for your first home, a potential refinance, possible investment opportunity, or you're a seasoned home buyer, I would love to help. I pride myself on my service with each interaction I have with my clients.  
 

When I have the chance to get away, I enjoy golf, coaching my kids' teams, the outdoors, and Notre Dame football. My wife, three kids, and I enjoy traveling to visit family or have new experiences.


I am extremely excited for the opportunity to work with you.

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
  • Renovation Loans
  • USDA Rural Housing
  • VA Government Loans

Education

  • Bachelor of Science in Business Management

Community Involvement

  • Big Brothers Big Sisters of Jackson, Board Vice President

Client Testimonials

Hear what my previous clients have to say about my work.

John H
“Michael Luedecking was great to work with. He was flexible, patient, and understanding with my changing schedule throughout the process and was always able to clearly answer any questions I had.”
Patricia M
“The best decision was going with Flagstar for my home loan. The process was a breeze. I am still amazed it only took 30 days. This was a big step for me and I am thankful to have met Michael to walk me through it. Most of all I am at home with Flagstar.”
Laurainne N
“We have had three prior mortgage experiences. Michael made this experience run smoother than other experiences we have had. I felt quite comfortable calling him whenever I had a question and he always got me the information quickly. ”
Jordon J
“Michael did an EXCEPTIONAL job with our mortgage process. We were more than pleased with the service he rendered.”
Heather L
“Michael did an excellent job all around and was able to get us a wonderful interest rate and a quick closing!! Would recommend him to anyone!”
Mallory H
“Michael was great to work with through the process. He is very efficient, quick and excellent at his job.”
Richard F
“Michael was Fantastic!!! He put up with all the questions and concerns we had with a smile. He knew we had to get this done fast and no matter the time of day or night, Michael was there. Every branch needs a Michael!!!”

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

Use left and right arrows to navigate between tabs.

STEP 1

Pre-qualify & Gather Financials

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

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

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

STEP 4

Loan Approval

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

STEP 5

Close & Receive Your Funds

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

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

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

STEP 2

Appraisal

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

STEP 3

Underwriting Approval

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

STEP 4

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?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Michael Luedecking, (NMLS ID 1614898)

Michael Luedecking

Sr Loan Advisor

NMLS ID: 1614898

I am committed to providing you with the highest quality home lending experience.

Apply Now Contact me

301 West Michigan Avenue

Jackson, MI 49201

Request a Contact

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Today's Rate

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1Rate as of 1/15/2021 10:16 AM EST. 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 48,000% 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 $964. 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 as of 1/15/2021 10:16 AM EST. 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 48,000% 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 $1,544. 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 as of  1/15/2021 10:16 AM EST. 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 8,400% down payment, minimum borrower credit score of 740, and estimated points of 0.233% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. 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, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.