Adam Neumann, Loan Officer, NMLS# 200484

Here's your weekly look at the markets!

Markets in a Minute Enjoy this quick update on what's going on in the housing and financial markets.

Have you noticed your taxes have gone up on your most recent bill? Now is the perfect time to refinance!

As rates change, they may have dropped below your original rate, giving you the opportunity to save money and offset the tax increase. Contact me today to learn more!

As rates continue to change, opportunities to save may come your way! If rates happen to be lower than when you first started your mortgage, you may want to consider refinancing.

With a mortgage refinance, you can:
Lower Your Interest Rate, Reduce Your Monthly Payment, Change Your Term Length and/or Switch to a New Loan Type.

Contact me to learn more!

As part of our commitment to helping you make the most of your homeownership journey, we're excited to share an exclusive opportunity – the Cash-Out Refinance.

Wishing each and every mother the happiest mother's day.

Worried about a down payment when looking for a home? Check out UHM's 1% down program and unlock homeownership for you! Put down 1% and UHM will contribute up to 2% towards a 3% total down payment. Contact me today!

I'm proud to share that UHM has been named one of the nations by USA Today and 3rd party firm Energage! We word hard every day to make the dream of homeownership achievable for everyone, and it takes a team effort to make that happen!

Apply now at or call me at (586) 438-3134!!

Did you know the average tax refund received in 2023 was just over $3,000? If you’re looking to buy a home, maximizing your return could be the key to turning your homeowning dreams into reality. At UHM, we offer low to no down-payment options that can stretch your dollar even further.

At First Merchants, we have mortgage options without LLPAs (Loan Level Pricing Adjustments) – resulting in highly competitive pricing on certain conventional loans.

- Second homes with as little as 10% down and no LLPAs
- Condos with as little as 10% down and no LLPAs
- Cash-out refinancing up to 75% of home value and no LLPAs

It’s important to compare lenders and rates to ensure you’re getting the best mortgage deal. Contact me to learn more.

The great debate – buy now, or wait for rates to come down…

My advice? Think about the long-term.

Home prices are predicted to continue rising. 📈 It may be wise to lock-in current home prices before housing costs increase even more. If interest rates go down, you’ll have the opportunity to refinance into a lower rate at that time.

Want help deciding the best time to purchase? Reach out for a no-cost, no-obligation conversation.

586-549-4224
www.firstmerchants.com/adamneumann

The great debate – buy now, or wait for rates to come down…

My advice? Think about the long-term.

Home prices are predicted to continue rising. 📈 It may be wise to lock-in current home prices before housing costs increase even more. If interest rates go down, you’ll have the opportunity to refinance into a lower rate at that time.

Want help deciding the best time to purchase? Reach out for a no-cost, no-obligation conversation.

Call/Text 586-549-4224
www.firstmerchants.com/adamneumann

I specialize in financing second homes, vacation homes, and investment properties, and I can lend nationwide. If you’re considering buying another home, I can help you understand your options and see what you may qualify for.

Contact me for a free, no-obligation consultation!
Phone:586-549-4224
Website: wwww.firstmerchants.com/adamneumann

818 ORCHARD VIEW Drive, Royal Oak, MI 48073 Resting in one of Royal Oak's most established neighborhoods, this corner lot residence is adorned by natural landscaping & history of trees. Vinsetta Boulevard, a short two roads over, was once a thriving river, named "Red Run', which provided resources for the growing village at the time (1891-192...

We’ve expanded our down payment assistance grant! 🏡

To help make homeownership more affordable and attainable, we’re now offering the opportunity to qualify for up to $7,500 in down payment assistance with a First Merchants Community Home Buyer Grant on the following two mortgage programs:
🡆 First Merchants Next Horizon Mortgage – up to $7,500 in grant funds
🡆 NEW! Freddie Mac Home Possible® Mortgage – up to $7,500 in grant funds

Call me at 586-549-4224 to discuss!

There’s no shortage of mortgage lenders to choose from. Do your research and choose a dependable company that will be attentive to your needs and goals. Having been founded in 1893, First Merchants is a community bank that has stood the test of time. We’re large enough to offer top-rated services yet small enough to be nimble with a welcoming and relationship-focused mentality. If you’re considering mortgage lenders, I’d be honored to earn your business. Message me or call/text any time: 586-549-4224

Don’t wait to speak with a mortgage lender! It’s a smart first step to prepare you for the homebuying journey ahead. As a mortgage professional, I can help you understand what home prices you can afford, the loan programs you may qualify for, and how much money you’ll need on-hand for the down payment and closing costs. Contact me anytime for a free, no-obligation mortgage consultation. Message me or call/text anytime: 586-549-4224

Lower your mortgage rate by 1% during the first 12 months of your loan with our 1-0 Temporary Buydown program. First Merchants Bank will pay the difference in interest, at no cost to you.
After 12 months, you’ll pay the regular interest rate for the remainder of the loan term. This is a great way to ease into homeownership and free up some cash during that first year.
Message me or visit my website to get in touch and learn more: www.firstmerchants.com/adamneumann