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Borrow with Confidence! With Charles C. Van Hoose, III... a leading Rochester MI lender serving Macomb and Oakland Counties. I specialize in Macomb MI Homes for Sale and Rochester MI Real Estate.

Welcome to the most informative and active real estate and mortgage website in Macomb and Oakland counties. It's my job to find the perfect loan solution for your specific needs, so why not call today for a no obligation consultation of your home loan goals.

Get Pre-Approved Here!
not just Pre-Qualified

Once we've determined how much house you can afford, why not take the next step and get pre-qualified and pre-approved for your home mortgage loan?

Charles C. Van Hoose, III
Real Estate/Mortgage Specialist

I have devoted my career to serving the Macomb and Oakland area Real Estate and Home Loan needs of people just like you. Call me today!

Weekly Mortgage Rates
Freddie Mac National Averages
 30 Yr Fixed  4.36%
 15 Yr Fixed  3.86%
 5 Yr Fixed  3.56%
 1 Yr Fixed  3.52%



Sterling Heights, Michigan
63° Overcast

Mission Statement

I promise to provide the most professional, ethical, and informed lending and real estate services that I possibly can, to my clients and new friends.

Office Information

Charles C. Van Hoose III, Associate Broker/Lender
(586)855-1290 Email

Harvard Financial Group, Inc.

60900 Eyster Road
Rochester, MI 48306
Phone: (248)-651-8365
Fax: (248)651-3493
Toll-Free: 877-232-5678
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Get Pre-Approved, not just Pre-Qualified!

Why not take the next step and get pre-qualified and pre-approved for a home mortgage loan?

Not only will you know your housing budget to the dollar before you start looking for a home, you'll also have more negotiating leverage because the seller knows you've already got a loan virtually in your pocket.

Pre-qualification
Pre-qualification acts as a dry run of the loan application process. I will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most.

While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

Pre-approval
Pre-approval takes pre-qualification one step further. I will contact your employer, your bank and others to verify your income, assets, debts and credit history, and then issue you a letter stating that your mortgage is approved for a certain amount within a certain timeframe. You may be charged a small fee to cover the cost of your credit reports and your application, often refunded at closing.

Gain the buying edge
The advantages of pre-qualification and pre-approval are two-fold: you're more attractive to sellers, who needn't worry that they'll accept your offer only to have your loan turned down, and you'll save time to closing when you find a home because the lender will have already completed the necessary qualifying and underwriting steps.

Important note: Should your financial circumstances change before closing, make sure to contact your lender, as your pre-qualification or pre-approval status may no longer be valid.

Charles C. Van Hoose, III, Real Estate/Mortgage Specialist

    Equal Housing Lender
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