Welcome to our Website  An Honest Approach To Mortgage Lending We are straightforward in our dealings. Fees are fully discussed from the beginning and are put in writing. Once a deal is agreed to, our fees will not change. We empower our clients through full disclosure combined with exceptional service. No games! No gimmicks!! No surprise closings!!! From the comfort of your own home, you can find out how much house you prequalify for, apply online and begin to gather the documents you'll need to get your loan approved. It's that easy!   Silas Sutton 424 Quaker Street South Haven, MI 49090 Office Phone: (269) 639-1900 Fax: (888) 420-2323 Contact Top News Mid-Day Recap: Labor Reports Send Markets into Freefall  - 1 day ago The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more) The Day Ahead: Markets Hesitant Ahead of Employment Data - 1 day ago Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more) HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 2 days ago The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more) Mortgage Performance: Fighting Rising Rate of Foreclosures with Loan Modifications - 2 days ago A joint report from the OCC and OTS, which includes 64% of all outstanding mortgages, shows that instances of delinquency continued to increase in the second quarter. Particularly of note is the increasing growth rate of delinquencies among loans backed...(read more) Mixed Data for Real Estate, ISM Index Improves - 2 days ago Three data releases at 10:00 failed to sing in tune with each other. A key indicator of output showed some improvement but is still contracting overall, and while contracts for home purchases are on the rise, spending on the construction of new homes it at historic lows....(read more)		First Name:* Last Name:* E-Mail:* Phone:* Loan Amount: Loan Purpose: Purchase Refinance Refinance & Cash Out Loan Program: 50 Year Fixed 40 Year Fixed 30 Year Fixed 20 Year Fixed 15 Year Fixed 3/1 ARM 5/1 ARM 7/1 ARM 10/1 ARM Adjustable Interest Only Property Use: Primary Residence Second Home Rental or Investment Property Type: Single Family Condo/Townhouse 2 Units 3 Units 4 Units Other Property Value: Enter Code Shown:* * Required Loan Amount: $ Rate: Term: 50 year 40 year 30 year 20 year 15 year Payment: $