BUY A HOME
A mortgage for the home you have in mind.
Found a place you love, or still looking around Greater Lansing? We’ll help you work out your budget, understand your loan options and prepare for preapproval.
Before you make an offer
What will the payment be?
Your mortgage payment can include property taxes, homeowners insurance and mortgage insurance as well as the loan itself. Add any association dues, and leave room in your budget for repairs and everyday life.
How much will you need at closing?
There’s more to closing than the down payment. We’ll go through lender fees, title charges, prepaid expenses and escrow deposits with you. You’ll see them on your Loan Estimate.
Get preapproved before you shop
A preapproval reviews your income, savings, debts and credit. It helps you understand your price range and shows a seller you’ve started the financing process. Final approval depends on the home and remaining requirements.
See what price fits your budget.
Enter your income, monthly debts and savings. Add the rate from your quote to turn that budget into a price range you can shop with.
Use a quoted rate, or enter a hypothetical rate to explore. A hypothetical rate is not an offer.
Principal & interest + costs entered
Blank costs are excluded. Add taxes, insurance and any mortgage insurance or HOA dues for a fuller estimate.
Enter a valid home price, down payment below the price, and interest rate to see an estimate. Don’t have a rate yet? Call (517) 580-5050 and we’ll talk through today’s options.
- Loan amount
- $292,500
- Down payment
- $32,500
For planning only. Not a quote, preapproval or offer to lend. Your loan officer will confirm real numbers for your loan.
Before taxes, for everyone on the loan.
Car, student loan, card minimums and other loans.
A comfortable starting point for many households is around 28%.
Estimated home price
Enter a valid rate and monthly taxes, insurance and HOA estimate to see a planning price. Enter 0 only if a cost does not apply. Don’t have a rate yet? Call (517) 580-5050 and we’ll talk through today’s options.
- Monthly housing budget
- $2,100
- For principal and interest
- $2,100
- Down payment
- $30,000
A budgeting estimate, not a preapproval. Lenders review income, credit, debts and the property before approving a loan.
Find it on your mortgage statement.
Use the rate from your refinance quote.
Monthly payment change
Enter valid rates, a loan balance, and remaining years to compare principal and interest. Don’t have a rate yet? Call (517) 580-5050 and we’ll talk through today’s options.
- Months to break even
- Add your rates
For planning only. Not a quote, preapproval or offer to lend. Your loan officer will confirm real numbers for your loan.
See all mortgage calculators
Your first conversation checklist
You can call before you have every document. Use this list to get organized.
0 of 4 ready
This checklist stays in this browser tab. Send documents only through the secure application portal.
What we’ll ask for, and why
We’ll usually need recent pay information, bank or investment statements and details of your debts. Self-employed, paid on commission or using a gift for your down payment? Let us know so we can explain the extra documents.
You can call before you have it all together. We’ll tell you what applies to you and how to send it securely. Preapproval is conditional; the home and final loan still need to be approved.
Common questions
Still wondering about something? Call (517) 580‑5050 and we’ll walk through it with you.
Do I need 20% down?
No. Some loans allow a smaller down payment for eligible buyers. We’ll help you compare the payment and mortgage insurance so you can decide how much of your savings to use.
What should I budget beyond the down payment?
Plan for closing costs too. These can include lender and title fees, prepaid taxes and insurance, and escrow deposits. Your Loan Estimate shows the breakdown, including any credits.
In their own words.
Experiences shared by ShayMak clients on Google.
Selected review excerpts. Individual experiences vary. Google rating checked October 4, 2026.
Tell us about the home you’re looking for.
Where are you looking, and when would you like to move? Call us with your budget and questions. We can start there, even if you haven’t found the house yet.
Talk to us
What to expect when you call
Your questions answered by a local loan officer
Options compared using your own numbers
A clear next step, with no obligation to apply
(517) 580-5050
114 W Main St, DeWitt
Loan approval is subject to credit, property and underwriting requirements. Some loan products may not be available in all states. Terms, rates and fees are subject to change. This website is not a commitment to lend.
Important mortgage disclosures
Payment estimates
Calculators are educational tools. Results use your inputs and assumptions and are not a rate quote, Loan Estimate, preapproval or guarantee. Actual payments and costs may differ. Include taxes, insurance, mortgage insurance and association dues where applicable.
Refinancing and home equity
Refinancing can involve closing costs and may increase total interest or extend repayment. A lower monthly payment does not necessarily mean a lower total cost. Compare the proposed terms with your existing loan. Borrowing against your home puts your home at risk if you cannot repay.
Application and account access
Apply now and Sign in lead to ShayMak’s existing external application portal. Review that portal’s privacy policy and terms before submitting personal or financial information. An application does not guarantee approval or a specific rate.
Company and licensing
ShayMak Mortgage, LLC. NMLS #1989312. Equal Housing Opportunity. Review current company and individual licensing information through NMLS Consumer Access. Program eligibility and availability depend on your situation and location.