Your Local Lender
Experienced. Knowledgeable. Quality.
Macomb's Go To Mortgage Lender
6
Years in Business
3
States Licensed
1,000+
Mortgages Closed
1,000+
Families Served
WHY CHOOSE US
We Have Offer To You
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Delivering A Great Customer Experience
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Refinancing Your Home No Doubt About Anything
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Have A Superior Power To Unlock The Today’s Rate
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Without A Doubt To Have A Apply For Loan Offer
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Consideration Have Been Divided Get Refinance Advisor
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A Ethical Solution For Future Buying & Selling Home
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Mortgage Pre-Approval
It all starts with a Pre-Approval. We want you to be prepared and ready for when you find your next home!
House Shopping
House shopping can be a lengthy process filled with twists and turns. We will help navigate you through this process!
Loan Application
The application process has it requirements, we assist you every step of the way. You will be guided through from start to finish!
Mortgage Programs
Our clients are never just a file number. We make our process specific to each and every client, to make sure they receive the best experience. Unlike some lenders, with Christina, you have one loan officer throughout the whole process. Meaning, you know exactly who to contact when you have a question. Our team is here to answer your calls, texts, and emails day or night. When you choose Christina you are choosing to make the mortgage process as easy as it can be.
Purchase New House
Owning a home is big responsibility and not just financially. When you decide to pursue homeownership, you must know all the risks and responsibilities that come along with it. Here are just some of the responsibilities of being a homeowner:
Making your mortgage payments on time
Being ready for property tax increase
Saving funds for when things go wrong such as, appliances breaking, pipes bursting, insurance claims
Being a good neighbor
Refinance
Before refinancing, it’s important to understand your options and what will work best for you. Are you looking to lower your monthly payment or wanting to cash out on your equity?
Lower Your Payment
Cash Out Your Equity
Shorten Your Term
Here Is Our Roadmap
Our team of experienced Loan Officers are here to guide you along the way! We utilize technology for you to easily track the progress and current status of your loan!
You’re In Right Place!
You Can See The Map
Let's Talk Mortgages
Meet Christina
Frequently Asked Questions
How do I know how much I can afford?
How much you qualify for is based off several factors including your income, assets, and debt. While your loan officer is determining your pre-approval limit, they will look at how much you can bring to closing and your DTI (Debt-to-Income) ratio. Your DTI is determined by subtracting your monthly debt from your total gross income. Monthly debt is generally going to be your minimum monthly payments to creditors, such as credit cards, auto loans, or current mortgage payments. When taking into account your income, your loan officer will have to follow guidelines. Just because you are receiving overtime or bonuses doesn’t mean they can be counted towards your monthly income.
How long does it take to close?
Closing times are always case by case and are influenced by many factors such as:
The loan program
Time it takes to receive the home inspection decision
Time it takes for appraisal to be received
Time to receive documentation from the borrower, agents, title company
Time for underwriting and processing
Generally, the rule of thumb for Conventional, FHA, VA or USDA loans is 30 days from the date of the purchase agreement. For MSHDA loans, it is generally 45 days. For Non-QM loans, closing times should be discussed with your loan officer.
What is the difference between a pre-approval and pre-qualification?
Unlike a pre-approval where your income, assets, and credit is verified, a pre-qualification is based off what you say. A pre-qualification helps give you an idea of what you could potentially be pre-approved for. This doesn’t require your credit being pulled or submitting any documentation. Although, realtors or sellers will not accept this document like they would a pre-approval.
What documentation will I need to provide?
Documentation needed does vary case-by-case and is based off of many factors. There is standard documentation that is need with each loan which can be found here:
When is the right time to apply for a mortgage?
Generally, 6 months before you are wanting to purchase a home. This gives you and your loan officer time to make sure you are in the best shape to purchase a home when the time comes. This also gives you time to address any issues that may arise with your employment, credit, etc.
What our customers say about us!
NMLS #1709837 Copyright 2025 . All rights reserved Privacy Policy | Terms & Conditions
Copyright © 2025 Christina Maciejewski NMLS# 1709837 with Be Mentality, LLC is a licensed mortgage loan officer with Simple Home Lending.
For complete licensing information, Please go to NMLS.org. or https://www.nmlsconsumeraccess.org/ | Company NMLS# 1701897 Simple Home Lending ("the Company") maintains policies and procedures designed to protect the integrity and security of consumer and customer information. Simple Home Lending is a national mortgage servicer and accepts payments from consumers. We are required to be licensed as a debt collection Company NMLS: 1701897.
Thank you for considering Simple Home Lending for your mortgage financing needs.
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