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Sean Balcom, (NMLS ID 770996)

Sean Balcom

Home Lending Sales Manager NMLS ID: 770996

39900 Eight Mile Road

Northville, MI 48167

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

I have been in the mortgage business for 20 years. My strength is the extensive knowledge I have gained from closing over 2,000 loans since arriving at Flagstar in 2007. Although the mortgage business can be challenging and unpredictable, my experience is the reason my clients are referred to me. I believe in constant, open communication, and my clients can reach me after hours and on weekends. I can help you with FHA, VA, USDA, MSHDA, conventional, jumbo, and renovation loans.

 

I reside in Birmingham, Michigan, with my wife, daughter, two sons, and two cats. I am an avid musician, and I also play golf and hockey.

 

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

Lindsay L., Adrian MI
Sean was very helpful with my home buying purchase. I had a unique situation and Sean was able to complete my process in a timely manner. I would highly recommend Sean to anyone looking to purchase or refi a home.
Bobby U., Westland MI
Sooooo glad I used them!!!! WOOHOO! I really appreciate all the feedback and quick responses. Being a new homeowner, they made the process very easy to understand and made themselves immediately available for any questions I had.
Angelene F., Macomb, MI
Sean was professional, kind, and a great help in closing on my new home. He responded promptly to any message or call and was always willing to help and keep me in the loop, even when I was overanxious and asking all the time what the status was.
Carrie B., South Lyon, MI
Sean was great to work with through the entire mortgage process. He responded to questions very quickly and explained things thoroughly. He always followed up when he said he would. I highly recommend Sean to help you with your mortgage needs.
Dan M., Oak Park, MI
Sean is every homebuyer's dream loan officer. He is very thorough and responsive. He stayed on top of the loan process to ensure we closed in a timely manner. He is a master of his practice.
Sean W., Big Rapids MI
Shopped all the mortgage options and found what was best for us. We closed in just over 30 days. Returned phone calls even on Saturdays. A great lender for Vets and anyone who is a beginner to the home-buying experience.
Faith N., Allen Park MI
Quick and easy process. I've tried unsuccessfully to close my refi with 3 different banks. Sean was able to fix the problem immediately. I'm very grateful that he was able to help me. He also always answered my questions and returned my calls asap.
Ioan H., Westland MI
He went out of his way to help us, and was very knowledgeable and made everything go smooth and easy for us. There were lots of things that we did not understand on some files, and my husband called him up and he explained them to us....
Kevin D., Redford MI
Very personable loan officer. When I had questions, he took time to get me to understand the process. I like that I could text him, and he would answer back immediately. We closed in a very short time with Sean. I recommend everyone use him for your loan!
Andrea M., Plymouth MI
SEAN BALCOM IS AMAZING! He is professional, quick to respond, and he truly cared about helping us get approved for our dream home. We just closed on our house in Plymouth and could not have been happier with the Flagstar experience start to finish.

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 6.942% 7.096% 1
15-Year Fixed 5.939% 6.182% 2
FHA 30-Year Fixed 5.669% 6.547% 3

1Rate 6.942% with an APR of 7.096% as of 6/14/2024 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 $1,587. 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 5.939% with an APR of 6.182% as of 6/14/2024 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 $2,017. 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 5.669% with an APR of 6.547% as of 6/14/2024 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 $1,413. 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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Sean Balcom

Home Lending Sales Manager NMLS ID: 770996

39900 Eight Mile Road

Northville, MI 48167

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