House keys in a hand, editorial photograph by Maria Ziegler

LEARN

Make sense of your mortgage.

Wondering about preapproval, down payments or closing costs? Start with the guides below. Call us when you want to talk about your own situation.

Wayne Lacy, ShayMak Mortgage president

Have questions? Ask Wayne.

President · NMLS #766456

Start with the question on your mind.

Choose a topic to narrow the options.

Two people reviewing and signing documents at a table

Homebuying

Mortgage closing costs in Michigan: what to review

Your down payment isn’t the whole amount due at closing. Here’s how to read the costs and prepare for signing.

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Homebuying

Michigan down payment assistance: questions to ask

Help with the upfront cost of a home can come with repayment conditions. Know what the assistance covers and what you still owe.

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Homebuying

Mortgage preapproval checklist: what to prepare

What to gather, what to ask and what a preapproval letter means when you’re getting ready to buy.

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Homebuying

Preapproval vs. prequalification: what changes?

The letter’s name doesn’t tell you everything. Find out what the lender has checked and what still needs approval.

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Downtown Lansing, Michigan

Local & moving

Planning a move to Greater Lansing

Choosing where to live is personal. Start with your daily life, then work out the cost of the home you’re considering.

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Local & moving

Five ways to prepare your home for buyers

A few practical ways to make your home easier to view, while getting the financing for your next move in order.

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Refinancing

When might refinancing make sense?

A lower payment is only part of the comparison. Check the new fees, balance and repayment term before making the change.

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Loan programs

USDA loans: check the address and household rules

For a USDA loan, the address and household requirements both matter. Here’s what to check before counting on the program.

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Loan programs

A practical guide to conventional home loans

Understand the down payment, mortgage insurance and term before deciding whether a conventional loan works for you.

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Loan programs

Understanding your VA home loan benefit

Find out how your VA benefit, entitlement and closing costs apply to the home you want to buy.

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“I appreciate his patience with me explaining in detail what was needed and how to submit it.”

Google

Laury Heinig

ShayMak Mortgage office at 114 West Main Street in DeWitt, Michigan

Visit us in DeWitt

114 W Main St, DeWitt, MI 48820

Still have a question?

You don’t have to find every answer in a guide. Call the team and ask what you’d like to know.

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.

ShayMak Mortgage home

114 W Main Street, DeWitt, MI 48820

Equal Housing Opportunity

ShayMak Mortgage, LLC · NMLS #1989312

Equal Housing Opportunity

Verify on NMLS Consumer Access

Licensed to originate in Michigan and Florida. Some loan products may not be available in all states. Terms, rates and fees are subject to change.

ShayMak

ShayMak

ShayMak

MORTGAGE

MORTGAGE

MORTGAGE

Illustrated Lansing skyline and Grand River