Trusted Mortgage Guidance in Michigan from James Lawler
Work Directly with James Lawler to Find the Right Mortgage for You
I understand that buying a home is one of the most significant investments you’ll make. With over 15 years of experience in the mortgage industry, I provide personalized guidance every step of the way—from your first questions through closing day. Whether you’re a first-time buyer, investor, or looking to refinance, I’m here to make your homeownership journey smooth, clear, and successful.
Talk to James Directly
Got questions? I’m here to help! Whether it’s about loan options, credit, or where to start, don’t hesitate to reach out. I’ll guide you every step of the way — just call or text me anytime!
517-402-3200
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Your Path to Homeownership Starts Here—with James by Your Side
Meet Your Loan Officer
I’m James—
Your Local Michigan Mortgage Expert
With over 15 years of experience originating residential mortgages, I’ve helped hundreds of Michigan families and investors navigate the path to homeownership. My mission is simple: to make the mortgage process smooth, transparent, and tailored to your needs.
Whether you’re buying your first home, building your dream house, or refinancing, I’ll walk you through each step with clarity and care. And if you’re not quite ready yet, I’ll help you map out a plan so you're prepared when the time is right.
Over 15 Years of Mortgage Experience
Specialist in First-Time Buyers, Investors & Builders
Known for Outstanding Service & Always Answering the Phone
Helping Michigan Homeowners Since 2009
Who am I?
Your Trusted Partner in Home Financing
I’m more than just a mortgage loan officer—I’m your guide to making homeownership a reality. I take the time to understand your goals and walk you through every step of the mortgage process. Whether you’re buying your first home, building a new one, or refinancing, I’ll help you find a solution that fits your lifestyle and budget. With over 15 years of experience, I provide clarity, communication, and consistent support—every step of the way.
Why Homebuyers Work with James
Guiding You to the Right Mortgage, the First Time
Home Purchase
Refinance
Loan Options
100% of my clients get a personalized game plan—even if they’re not ready to buy yet.
Every client gets direct access to me—no call centers, no being passed around.
Exceptional Customer Service
Your Journey to Homeownership Starts Here
we simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
what I offer ?
Effortless Mortgages, Realize Your Dreams
We streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
First-Time Buyers
Buying your first home? I’ll walk you through every step—helping you qualify, understand your options, and feel confident from start to close.
Low down payment options
Personalized loan guidances.
Full support through the process
New Construction
Building a home? I work with builders and lenders to structure a mortgage that matches your build timeline and budget.
Construction-to-perm loan options
Timely draws and approvals
Step-by-step coordination
Investor Loans
Looking to finance a rental or investment property? I’ll help you compare your options and close quickly.
Competitive rates
Flexible terms
Expert support from start to finish
Free Consult
Get expert guidance tailored to your unique financial situation. I’ll review your goals and lay out a clear game plan—even if you’re not ready to buy yet.
Personalized mortgage advice
No-pressure planning calls
Step-by-step clarity
Refinance Help
Whether you're lowering your rate, adjusting your term, or tapping into equity, I’ll help you explore smart options.
Rate and term options
Refinance planning support
Streamlined closing process
Home Insurance
I’ll connect you with trusted insurance partners to ensure your new home is properly protected from day one.
Coverage recommendations
Referral to licensed agents
Support reviewing quotes
Getting Started with James
A Simple 3-Step Process to Your New Home
Consultation
We’ll talk about your goals, review your timeline, and explore your mortgage options together.
Application
I’ll help you complete a simple online application so we can get pre-approved and moving forward.
Closing
Once your loan is approved, I’ll guide you through closing so you can move in with confidence.
Testimonials
Frequently Asked Questions
What’s the minimum credit score I need to buy a home in Michigan?
Most loan programs require at least a 620 credit score, but there are options for lower scores in certain cases. I’ll review your full financial picture and help you understand what’s possible—even if you’re not quite ready yet.
How much money do I need for a down payment?
It depends on the loan program. FHA loans start at just 3.5% down, and some conventional loans offer 3% down options. If you qualify for a VA or USDA loan, you may not need a down payment at all.
Are there any first-time homebuyer programs in Michigan?
Yes! Michigan offers several assistance programs, including the MI Home Loan and Down Payment Assistance (DPA)programs. I’ll help you see if you qualify and guide you through the application process.
Can I get pre-approved before finding a home?
Absolutely. In fact, getting pre-approved is the best first step—it shows sellers you’re serious and gives you a clear idea of your budget. I make the process quick and easy.
Thank you for stopping by! I’m here to help you navigate the mortgage process with clarity and confidence. If you have any questions or need assistance, feel free to reach out—I’m just a call, text, or email away.
Licensed by Success Mortgage Partners
Success Mortgage Partners, Inc.
1200 S Sheldon Rd,
Plymouth, MI 48170
NMLS #130562