Mark A Gelbman, NMLS # 112342

If you can't find it, build it! 🔨🔧🔩🧰
Check out our latest video breaking down the new construction loan process.
Union Home Mortgage offers new construction loans for:
👉 Conventional,
👉 FHA,
👉 VA,
👉 Rural Development, and
👉 Manufactured Homes

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

How to Build Your Dream Home Part 2: New Construction Loans with Bill DiCapua Homes & Loans is excited to welcome back construction loan expert Bill DiCapua, as he walks us through the entire process of funding a new construction home ...

If you’re about to embark on purchasing a home and need home financing, there are some important dos and don’ts that you will need to follow.
1️⃣Lenders are BIG on documentation. If you can’t prove it, it doesn’t exist. You will be asked to supply income, assets and other documents for both your pre-approval and your final underwrite. It’s a good habit to continue to send your loan officer paystubs and bank statements, as you receive them. Keeping your info up to date translates into a smoother and faster experience.
2️⃣Don’t make any changes with regards to credit, debts or job once you have begun your pre-approval process. Now we know that stuff happens. If you know that your car lease will end before closing on a home, let your loan officer know up front. If you are planning to buy another car, wait until after the closing date, if possible. If not, let you loan officer know as soon as possible.
3️⃣Large deposits that are not tied to your job will need to be sourced and documented. It is best to wait for those until after closing on your home. If you are a tipped employee, there are strategies to make your home financing experience easier. Reach out to discuss what makes sense for you.
⏭Communication is the key to a stress-free and smooth loan approval experience.
▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This condo qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

1805 Wickham St, Royal Oak, MI 48073 - 2 beds/1.5 baths (REALCOMP) For Sale: 2 beds, 1.5 baths ∙ 1286 sq. ft. ∙ 1805 Wickham St, Royal Oak, MI 48073 ∙ $200,000 ∙ MLS # 20240063653

🔥🔥🔥Check out this new construction home in Waterford. At this price point, this home will be off the market before you can blink!
✨✨✨Open house today from noon - 3pm

I will be onsite to answer any of your home financing questions.

👉 Mark Gelbman, Your Mortgage Advisor
NMLS #112342
Union Home Mortgage - Rochester, MI
✨248-705-8431 cell/text 📱
[email protected]

1198 Sherwood Forest Ct, Waterford Twp, MI 48327 - 4 beds/2.5 baths (REALCOMP) For Sale: 4 beds, 2.5 baths ∙ 1730 sq. ft. ∙ 1198 Sherwood Forest Ct, Waterford Twp, MI 48327 ∙ $349,900 ∙ MLS # 20240063857 ∙ Location! Location! Location! New Construction. 4 Bedrooms and 2.5 Bat...

PCE is the Fed's favorite measure of inflation. Investors are looking hard at this report, trying to guess at what the Fed's reaction will be. This report, the next jobs report and the next CPI report will shape what changes the Fed will make to the Fed Funds Rate.

Headline PCE inflation for July increased by 0.2% month-over-month, in line with expectations, and remained at 2.5% year-over-year, which was better than the 2.6% estimate. Core PCE increased by 0.2% month-over-month, also agreeing expectations, and remained 2.6% year-over-year, better than expectations of 2.7%.

Personal Consumption Expenditures (July 2024) Core PCE, which is the Fed’s favorite measure of inflation, rose 0.2% from June to July. The annual reading held steady at 2.6%, which is the slowest YoY pace in three years and keeps the Fed on track for an expected rate cut at their meeting on September 18. ...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

🌟🌟This home also qualifies for Rural Development financing, for a ZERO-DOWN option. MSHDA and RD can be combined for even greater savings.
▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

5117 Winston Dr, Swartz Creek, MI 48473 - 3 beds/2 baths (REALCOMP) For Sale: 3 beds, 2 baths ∙ 960 sq. ft. ∙ 5117 Winston Dr, Swartz Creek, MI 48473 ∙ $197,000 ∙ MLS # 20240063094 ∙ Welcome to this move-in ready, charming 3-bedroom, 2-bathroom home nestled in the h...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

2067 N Genesee Rd N, Burton, MI 48509 - 3 beds/1.5 baths (REALCOMP) For Sale: 3 beds, 1.5 baths ∙ 1244 sq. ft. ∙ 2067 N Genesee Rd N, Burton, MI 48509 ∙ $200,000 ∙ MLS # 20240062734 ∙ Make this professionally renovated ranch your new home. Located on a large corner ...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

28815 Hillview St, Roseville, MI 48066 - 3 beds/1 bath (REALCOMP) For Sale: 3 beds, 1 bath ∙ 1300 sq. ft. ∙ 28815 Hillview St, Roseville, MI 48066 ∙ $199,900 ∙ MLS # 20240064067 ∙ Experience the charm of this fully remodeled 3-bedroom bungalow in the heart of Rose...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

redf.in

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

35854 Weideman St, Clinton Twp, MI 48035 - 3 beds/1 bath (REALCOMP) For Sale: 3 beds, 1 bath ∙ 1053 sq. ft. ∙ 35854 Weideman St, Clinton Twp, MI 48035 ∙ $219,900 ∙ MLS # 20240064475 ∙ Beautiful 3 bed brick ranch, large corner lot fully fenced in. Open concept-hardwo...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

2224 Coy St, Ferndale, MI 48220 - 3 beds/1 bath (REALCOMP) For Sale: 3 beds, 1 bath ∙ 1043 sq. ft. ∙ 2224 Coy St, Ferndale, MI 48220 ∙ $210,000 ∙ MLS # 20240063845 ∙ If these walls could talk, they'd speak of the wonderful memories created here over the yea...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

4198 Lapeer Rd, Port Huron Twp, MI 48060 - 4 beds/2 baths (REALCOMP) For Sale: 4 beds, 2 baths ∙ 1255 sq. ft. ∙ 4198 Lapeer Rd, Port Huron Twp, MI 48060 ∙ $219,900 ∙ MLS # 20240064183 ∙ This 4-bedroom home in Port Huron Township is a charming full brick residence, of...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

1319 19th St, Port Huron, MI 48060 - 4 beds/1.5 baths (REALCOMP) For Sale: 4 beds, 1.5 baths ∙ 1400 sq. ft. ∙ 1319 19th St, Port Huron, MI 48060 ∙ $224,400 ∙ MLS # 20240064496 ∙ This charming Tudor-style offers timeless elegance and modern comforts. Built in 1931...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

🌟🌟This home also qualifies for Rural Development financing, for a zero-down option. MSHDA and RD can be combined for even greater savings.

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

9236 Young Dr, Swartz Creek, MI 48473 - 2 beds/2 baths (REALCOMP) For Sale: 2 beds, 2 baths ∙ 1440 sq. ft. ∙ 9236 Young Dr, Swartz Creek, MI 48473 ∙ $209,900 ∙ MLS # 20240049250 ∙ We have an exciting opportunity that may be the perfect fit for you. A charming ranc...

As anticipation mounts of a September Fed rate cut, please keep in mind that mortgage rates don't always follow the fed rate changes. It is rarely a 1 to 1 ratio. There have even been times the Fed cut rates and mortgage rates barely moved.
If you are thinking of buying a home, start the process now, and beat the rush.
▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

8040 Garwood Dr, Thomas Twp, MI 48609 - 3 beds/1.5 baths (REALCOMP) For Sale: 3 beds, 1.5 baths ∙ 1120 sq. ft. ∙ 8040 Garwood Dr, Thomas Twp, MI 48609 ∙ $214,900 ∙ MLS # 61050153679 ∙ Check out this stunning 3 bedroom, 1.5 bath home in Thomas Township. The owners ha...

VA recently enhanced the Claim Status Tool to improve your digital, self-service experience. The tool now shows a breakdown of the eight-step disability claims process, making it easier to understand where your claim currently is.

VA improves access to claims information - VA News VA recently enhanced the Claim Status Tool, which now shows a breakdown of the eight-step disability claims process.

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

21604 Alger St, Saint Clair Shores, MI 48080-1813 - 3 beds/1 bath (MiRealSource-MiMLS) For Sale: 3 beds, 1 bath ∙ 1000 sq. ft. ∙ 21604 Alger St, Saint Clair Shores, MI 48080-1813 ∙ $209,900 ∙ MLS # 50153622 ∙ Beautiful three bedroom, one bath home in Saint Clair Shores. 1.5 car detach...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This condo qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

3439 Benjamin Ave #127, Royal Oak, MI 48073 - 2 beds/2 baths (REALCOMP) For Sale: 2 beds, 2 baths ∙ 1084 sq. ft. ∙ 3439 Benjamin Ave #127, Royal Oak, MI 48073 ∙ $209,000 ∙ MLS # 20240064305 ∙ Location and Convenience are unparalleled for this quaint 2 bedroom, 2 bath co...

Interest rates don't move in a straight line, and sometimes don't move as expected.

Why a blistering bond-market rally may have already run its course MarketWatch Why a blistering bond-market rally may have already run its course Provided by Dow Jones Aug 27, 2024 4:50pm By Joseph Adinolfi Fed rate cuts are associated with lower bond yields and higher prices. But history shows this isn't always the case. There has been a lot of discussion lately a...

Labor Day in Michigan - what to do...

Labor Day Weekend in Michigan: The Ultimate Guide for 2024 - My Michigan Beach and Travel Discover the best things to do and places to go in Michigan on Labor Day Weekend 2024 including parades, festivals and more.

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

16 Woodside Cir, Mt. Clemens, MI 48043 - 3 beds/1 bath (REALCOMP) For Sale: 3 beds, 1 bath ∙ 1582 sq. ft. ∙ 16 Woodside Cir, Mt. Clemens, MI 48043 ∙ $190,000 ∙ MLS # 20240063856 ∙ Look at this gorgeous brick ranch! At the end of a short, quiet cul-de-sac 1,550 Squ...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

3162 Warringham Ave, Waterford Twp, MI 48329 - 3 beds/1 bath (REALCOMP) For Sale: 3 beds, 1 bath ∙ 864 sq. ft. ∙ 3162 Warringham Ave, Waterford Twp, MI 48329 ∙ $210,000 ∙ MLS # 20240063874 ∙ Introducing 3162 Warringham, a welcoming ranch style home situated in a serene ...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

🌟🌟This home also qualifies for Rural Development financing, for a zero-down option. MSHDA and RD can be combined for even greater savings.

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

2946 Lorraine St, Marlette, MI 48453 - 3 beds/2.5 baths (REALCOMP) For Sale: 3 beds, 2.5 baths ∙ 1725 sq. ft. ∙ 2946 Lorraine St, Marlette, MI 48453 ∙ $208,000 ∙ MLS # 20240063488 ∙ Well maintained ranch home on quiet Lorraine street. Home has 3 bedrooms and 2 1/2 ...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

www.redfin.com

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

16423 Claremont Dr S, Clinton Twp, MI 48038 - 2 beds/2 baths (REALCOMP) For Sale: 2 beds, 2 baths ∙ 1206 sq. ft. ∙ 16423 Claremont Dr S, Clinton Twp, MI 48038 ∙ $207,900 ∙ MLS # 20240052620 ∙ Welcome to this exceptional end-unit condo in the desirable Westchester Villag...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲
🌟🌟This home also qualifies for Rural Development financing, for a zero-down option. MSHDA and RD can be combined for even greater savings.
▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

25745 Ronald St, Roseville, MI 48066 - 3 beds/2 baths (REALCOMP) For Sale: 3 beds, 2 baths ∙ 1001 sq. ft. ∙ 25745 Ronald St, Roseville, MI 48066 ∙ $184,900 ∙ MLS # 20240033739 ∙ Back on the market, buyer's financing fell through. Discover the charm and convenienc...

❗❗❗ First time home 🏡 buyer ALERT ❗❗❗
This could be your chance to own a piece of the American Dream.
💰💰💰 This home qualifies for MSHDA financing w/ up to $10,000 💰💰💰 of down payment assistance.

🔥🔥MSHDA just recently reduced their rates by .25% 😲

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

3239 Mac Ave, Genesee Twp, MI 48506 - 2 beds/2 baths (REALCOMP) For Sale: 2 beds, 2 baths ∙ 1613 sq. ft. ∙ 3239 Mac Ave, Genesee Twp, MI 48506 ∙ $189,000 ∙ MLS # 20240063363 ∙ Welcome to 3239 Mac Avenue, this beautiful sprawling ranch home is sure to impress! Si...

❗❗❗ This could be your chance to own a piece of the American Dream. ❗❗❗
Minimum down payment of:
5% (conventional)
3.50% (FHA)
0% (VA)

▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

1963 Trowbridge St, Hamtramck, MI 48212 - 4 beds/4 baths (REALCOMP) For Sale: 4 beds, 4 baths ∙ 1320 sq. ft. ∙ 1963 Trowbridge St, Hamtramck, MI 48212 ∙ $219,000 ∙ MLS # 20240053883 ∙ Here is a perfect income property with all of the major items done, including two ...

Increased buyer demand due to decreasing rates will put pressure on home prices causing them to rise.
Now is the time to get into the game, and beat the rush.
Marry the house and date the rate.
▶Call me for your no-cost home buying assessment.
👉Mark Gelbman, Your Mortgage Advisor
NMLS 112342
Union Home Mortgage
Rochester, MI 48307
248.705.8431 📲
[email protected]

What Mortgage Rate Are You Waiting For? You won’t find anyone who’s going to argue that mortgage rates have had a big impact on housing affordability over the past couple of years.