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Randy Pelech

Sr Loan Officer

NMLS ID: 771037

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and craft a mortgage that’s custom-fit for you.

Randy Pelech

34945 South Gratiot Avenue

Clinton Township, MI 48035-3548

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My name is Randy Pelech, and I want you to have the best home loan experience possible. I'm a senior loan officer, and have assisted many borrowers throughout the United States in my 15-year career with Flagstar Bank. If you're in the market for a new home or in need of refinancing your existing mortgage, I am able and willing to help you with all your home loan needs.

 

I eagerly work with first-time homebuyers, high-net worth borrowers, investment borrowers, low-to-moderate income borrowers, and self-employed borrowers.

 

Call me today if your are ready to get started, or would like more information about the process. I am here to assist and explain the lending process with every type of borrower every step of the way.

Mortgage Skills

  • Adjustable-Rate Mortgages
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Pre-Qualifications
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Today's Rates

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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 11/17/2017 10:07 AM ET. 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 $1,000 with 360 monthly payments in the amount of $1,128. 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 11/17/2017 10:07 AM ET. 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 $1,000 with 180 monthly payments in the amount of $1,677. 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  11/17/2017 10:07 AM ET. The APR calculation is based on a 7/1 adjustable-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 360 monthly payments in the amount of $1,095.  Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 72 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset.  Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.  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.

 

4Rate as of  11/17/2017 10:07 AM ET. 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, and estimated points of 1% of the loan amount and origination fee of 1,000 plus 1.75% FHA funding fee with 360 payments in the amount of $1,121. 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.