Products and Services
Good Harbor Mortgage Company aggressively searches out innovative loan programs and competitive pricing to save you time and money. Just like most of our bank and mortgage company competitors, we sell our loans through secondary market channels. Our low overhead allows us to offer the very best pricing, especially with larger loan amounts. Furthermore, unlike the majority of mortgage companies with offices in the Traverse City area, we are not a "net branch" operation. (We have our own licenses and pay our own bills). As a result, we are not required to split profits nor pay extra "junk" fees to the home office which keeps your closing costs low.
Although we specialize in larger loans, we offer a full spectrum of mortgage options:
- conventional, fixed and adjustable rate mortgages, including interest only options
- zero down with no PMI, including Rural Development Guaranteed
- jumbos, second homes, investment and commercial properties
- one-time closing construction and renovation loans
- HELOC and other home equity products
- mortgage only credit programs (consumer credit not considered).
- stated income or no ratio = debt ratios not considered
- "no doc" = no verification of employment, assets or income
- bi-weekly payment plans
Choosing the right product can save you thousands of dollars in interest. We will be glad to show you all the options. Our expertise makes the difference.
We do encounter unusual and tough lending scenarios from time to time. We roll up our sleeves and do everything we can to get investor approval. We love and understand the Grand Traverse region! As a local company, we can offer insight on issues such as the value of distant bay views and the semi-rural nature of the area. If we can structure a loan so it makes sense to an investor, we can do your loan!
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