Your Guide to Homeownership

Your Guide to homeownership

Table of Contents: 4 My Mission

18 What to Expect

4 Qualifications

19 Do’s & Don’t

6 Introduction

20-23 House Hunting Time

7 Home Buyer’s Checklist

24-25 Navigating the Mortgage

8 Summit Home Mortgage

Process

9 Meet Your Lender

26-27 Closing Costs Explained

10 Initial Goal

28-29 Real Estate Terms &

11-13 Monthly Cash Flow Plan

Definitions

14-15 Debt Snowball

30 As Your Realtor

16 Breakdown of Savings

31 Service Providers

17 Credit Card History

2

3

My mission & goal is to connect people to people, people to businesses and help cultivate new relationships while promoting the highest ethical and professional standards of integrity consistently.

5

Introduction What to expect Buying a home is one of the most significant financial decisions you'll make. It can be an exciting, yet complex journey. This guide is designed to help you navigate each step of the process, from initial preparation to finally receiving the keys to your new home.

I can't wait to help you along the way!

NOTES

7

Jaqua has partnered with Summit Home Mortgage to provide our clients with convenient, trustworthy and knowledgeable financial advisors. Summit offers a full line of mortgage products provided by experienced, highly skilled home mortgage consultants who are located directly in our offices. When Summit is the lender, and your agent can 24/ 7you - 365 be confident every aspect of the financing process is receiving expert attention.

Summit Offers a Full Complement of Mortgage Products • • • • • • • • • 8

FHA Loans VA Loans Jumbo Loans Refinancing Zero Down Options Rural Development Conventional Loans Apply Online New Construction Financingwww.summithomemtg.com/find-a-mortgage-pro Down Payment Assistance © 2022 Summit Home Mortgage, LLC. All Rights Reserved. This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Summit Home Mortgage, LLC, 414 W. Milham Avenue, Portage, MI 49024. Corp NMLS#: 1087642 (www.nmlsconsumeraccess.org).

Meet Your Advisor Rochelle Birmann brings with her thirty-plus years in the real estate community. She has an extensive title background that accelerated her career change to loan origination where she has ranked nationally.

I believe integrity is the cornerstone of my business. I believe a mortgage should be about building relationships and helping people achieve their home financing goals…it’s not just a transaction. I pride myself in outstanding customer service and am committed to the entire process. I have the ability to think outside the box to ensure every buyer attains the dream of home ownership.

As an MLO I take a consultive approach to the home loan process by communicating and customizing each loan. Giving solutions to my buyers. My mission is not to just get you a loan it is to get you the right loan. Simply put I love what I do.

Rochelle Birmann, JV President 269-615-0129 | Rochelle.Birmann@summithomemtg.com | NMLS #1395521

Apply Online

summithomemtg.com/loan-officers/rochelle-birmann/

© 2022 Summit Home Mortgage, LLC. All Rights Reserved. This communication does not constitute a commitment to lend or the guarantee of a specified interest rate.

All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Summit Home Mortgage, LLC, 414 W. Milham Avenue, Portage, MI 49024. Corp NMLS#: 1087642 (www.nmlsconsumeraccess.org).

11

YOU CAN NOT TAKE A RENTER’S MENTALITY INTO HOME OWNERSHIP

Preparing for Homeownership

Before you start looking at homes, it’s essential to assess your needs and establish a budget. Consider factors such as location, size, amenities, and your long-term plans. Are you looking for a starter home, or do you plan to stay in this house for the long haul? What are your must-haves, and what are your nice-to-haves?

Once you've identified your needs, the next step is to establish your budget. Take into account your income, savings, monthly expenses, and any existing debt. Don't forget to factor in additional costs like closing fees, property taxes, and ongoing maintenance. Planning with a full picture in mind will help you move forward with confidence.

The Commitment

Most home mortgage terms are at least 15-30 years. While you don’t have to stay in the home that long, it's crucial to be 100% sure that you’re ready for homeownership before taking on a mortgage. Ask yourself: • Do you have a stable income?

• Do you have an emergency fund that can cover 3-6 months of expenses?

Finances: Save, Save, Save!

Understanding and managing your finances is paramount.

• Know where your money is going! Create a budget to track your income and expenses.

• Start saving for your down payment. The bigger the initial payment against principal, the less interest you will pay over the life of the loan, potentially saving you thousands of dollars. A larger down payment also results in smaller monthly payments because you owe less on the house, which could positively influence future borrowing power.

• Don’t open any new lines of credit. This includes furniture, cars, jewelry, or big vacation trips. New credit can negatively impact your credit score and debt-to-income ratio.

• Make all your payments on time. Late payments can significantly lower your credit score.

11

Mastering Your Money Creating a Zero-Balance Budget

There's a big difference between knowing where your money is going and telling your money where to go. That's the power of a zero-balance budget: every dollar has a name, a job, and a purpose before the month even begins.

Tracking your finances on a monthly basis isn't just helpful-it's crucial to building financial discipline and preparing for homeownership. One of the most user-friendly and effective tools out there is Dave Ramsey's EveryDollar Budget App. It's free, easy to use, and lets you track your spending in real time, so you always know where you stand.

Whether you're just starting or refining your process, a zero-balance budget is your foundation for financial peace and progress. Let's take control of your money—on purpose.

This next section will guide you through essential budgeting principles.

While much of this information-and more—can be found in the EveryDollar app, it's important to understand the basics: Every dollar you earn should have a purpose. A budget helps you take control by showing exactly where your money is going and highlighting areas where you may be overspending. It's not just about tracking—it's about being intentional.

12

Monthly Cash Flow Plan Cash flows in and out each month. Make sure you tell it where to go!

Yes, this budget form has a lot of lines and blanks.

But that’s okay. We do that so we can list practically every expense imaginable on this form to prevent you from forgetting something. Don’t expect to put something on every line. Just use the ones that are relevant to your specific situation.

Step 1 Enter your monthly take-home pay in the box at the top right (a). This is the amount you have for the month to budget. So far so good, huh?

A Monthly take-Home Pay

Step 2 Within each main category, such as Food, there are subcategories, like Groceries. Start at the top and work your way down, filling out the Budgeted column (b) first. Add up each subcategory and put that number in the Total box (c).

Also, pay attention to Dave’s recommended percentages (d). This will help you keep from budgeting too much for a category.

Transportation

Housing

Medical

B C D

food

Food

Reality Check

Charity

Personal

Groceries Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Spent

Budgeted

Restaurants

Step 3 Finally, enter your take-home pay in the top box at the end of the page (e), then add up all categories and place that total in the Category Totals box (F). Then subtract your Category Totals amount from your Take-Home Pay. You should have a zero balance (g). Doesn’t that feel great?

tAKE-HoME PAY

E F

–

CAtEGoRY totALS

G

=

ZERo BALANCE

Step 4 When the month ends, put what you actually spent in the Spent column (h). That will help you make any necessary adjustments to the next month’s budget.

food

Food

Transportation

Housing

Medical

H Reality Check

Charity

Personal

Groceries Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Spent

Budgeted

Restaurants

13

Monthly Cash Flow Plan Cash flows in and out each month. Make sure you tell it where to go!

Food

Transportation

Housing

Charity

Medical

Personal

Recreation

insUrance

Insurance

Savings

Debt

Spent

Envelope

Add up budgeted column & enter here

Life Insurance

Clothing

Utilities

Budgeted

Envelope

Transportation

Housing

Medical

Food

Transportation

Health Insurance charitY

Charity

Personal

Insurance

Debt

Envelope

Homeowner/Renter

Recreation

Insurance

Debt

Envelope

recreation Monthly take-Home Pay Spent Savings

Clothing

Utilities

Envelope

Reality Check

pe

lo Enve

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Utilit

Vacation Food

hing

Clot s

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Budgeted ical

Med

Food

Transportation

Charity

Personal

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

ing

Hous

Medical

e ranc

tithes Auto Insurance

Recreation

Savings

Clothing

Utilities

Insu onal

Pers

Envelope

Housing lo Enve

Char

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Debt

sp Tran

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Food

Insu onal

Pers

Identity theft Food

Transportation

Charity

Personal

Reality Check

ity

tion orta ical Med

Housing

Medical

Recreation

Savings

*10–15%

n eatio Recr

Char

pe

lo Enve

Debt

Clothing

Utilities

Spent

Envelope

Food

Transportation

Charity

*10–25%

Debt

Transportation Food

Housing

Medical

Recreation

Spent

Envelope

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Pers

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Debt e ranc

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*10–15% Insurance

Budgeted

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Debt

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Spent

Budgeted

*2–7%

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Spent

Budgeted

Envelope

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Utilities

Credit Card 1 _______ Envelope

Utilities

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Adults Credit Card 2 _______ Children Credit Card 3 _______

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Cleaning/Laundry Credit Card 4 _______

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Char

Insurance

Clothing

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Cosmetics/Hair Care Charity

Savings

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Pers

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Food

toiletries

Medical

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lo Enve

Recreation

sp Tran

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lo Enve ies

Utilit hing

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Clothing

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Pers Housing ity

Charity

Car Payment 2 clothing

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Char

Transportation

Budgeted

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Car Payment 1

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Med

Pers

Retirement Fund Insurance

debts Restaurants

ngs Savi

Reality Check

personal

Personal

totAL

ies

totAL

Emergency Fund

Reality Check

*5–10%

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Savings

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Envelope

Recreation

Budgeted

Utilit

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Long-term Care

Insurance

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Utilit

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sp Tran Food

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Clot

s

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Groceries

Medical

pe

ity

Charity & off erings Disability Insurance

Reality Check

Spent

pe

lo Enve Debt

Housing

Budgeted

icons represent good options for cash envelopes These Entertainment

Debt e ranc

Insu onal

Pers

Food

Spent

Personal

pe

sp Tran

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Charity

lo Enve

ity Char

tion orta

Food

Student Loan 1

Budgeted

Food

Transportation

transportation Student Loan 2 Charity

Personal

Insurance

Debt

Envelope

l

ica Med

Books/Supplies First Mortgage/Rent Child SecondSupport Mortgage

Reality Check

Housing

e ranc

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Pers ity

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lo Enve Debt

Replace Furniture

onal

Pers

ortation

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Charity

Personal

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Char

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Pers

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Recreation

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Char

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Pocket Money (His) Utilities

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Utilit

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*25–35%

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other _________________ License & taxes other _________________ Car Replacement other_________________ _________________ other other _________________

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Insu

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Housing

Medical

Recreation

Personal

Insurance

Debt

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Reality Check

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Recreation

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lo Enve

Debt

Spent

Budgeted

Pocket Money (Hers) Electricity Baby Supplies Gas Pet Supplies Water Music/technology trash Miscellaneous Phone/Mobile other _________________ Internet other _________________ Cable

Reality Check

Medical/health Your goal is O% Savings

Clothing

Utilities

Envelope

Spent *5–10% Budgeted totAL

Medications Once you have completed filling out each category, subtract all category totals from your take-home pay.

Doctor Bills

Dentist Use the “income sources” if necessary form optometrist

*5–10% *5–10%

totAL totAL

Add up totals Vitamins – from each category other _________________ Remember — - based other _________________ of a zero The goal = budget is to get this number to zero

tAKE-HoME PAY CAtEGoRY totALS ZERo BALANCE *5–10%

totAL

*Dave’s Recommended Percentages

Food

Transportation

Charity

Personal

Insurance

Debt

Envelope

Spent

Transportation

Housing

Medical

Charity

Personal

Insurance

Debt

Envelope

recreation

Budgeted

Recreation

Savings

Clothing

Utilities

Envelope

Spent

Budgeted

*5–10%

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Budgeted

*5–10%

totAL

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Housing

Medical

Recreation

Savings

Clothing

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Entertainment

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Utilit

Food

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Homeowner/Renter

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Car Payment 1

Long-term Care

Food

Food

Transportation

Charity

personal

Personal

Insurance

Debt

Envelope

Transportation

Charity

Personal

Insurance

Debt

Envelope

Car Payment 2 *10–25%

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Housing

Medical

Recreation

Savings

Credit Card 1 _______

Clothing

Utilities

Envelope

Credit Card 2 _______ Spent

Budgeted

Reality Check

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lo Enve

Credit Card 3 _______

Debt e ranc

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Medical

Recreation

Savings lo Enve

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Pers

Reality Check ity

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toiletries

Credit Card 5 _______

Cosmetics/Hair Care

Student Loan 1

Education/tuition

Student Loan 2

Books/Supplies

Student Loan 3

Child Support

Student Loan 4

Alimony

other _________________

Subscriptions

other _________________

organization Dues

other _________________

Gifts (inc. Christmas)

other _________________

Replace Furniture

other _________________

Pocket Money (His)

Your goal is O%

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Pocket Money (Hers)

Once you have completed filling out each category, subtract all category totals from your take-home pay.

ies

Utilit hing

Clot s

ng Savi n eatio Recr

Baby Supplies

Med

ical

Pet Supplies

Use the “income sources” form if necessary

Music/technology Miscellaneous

Add up totals from each category

other _________________ other _________________ *5–10%

totAL

Remember — The goal of a zero- based budget is to get this number to zero

tAKE-HoME PAY –

CAtEGoRY totALS

=

ZERo BALANCE

15

16

17

Breakdown of Savings This form will save you some headaches down the road. Plan ahead here.

These items are also called sinking funds. These are the safety nets in your plan.

After fully funding your emergency fund, start saving for other items, like furniture, cars, home maintenance or a vacation. This sheet will remind you that every dollar in your savings account is already committed to something.

Your target balance for each sinking fund

Amount you have in each sinking fund

iteMs

balance

Emergency Fund (1) $1,000 Emergency Fund (2) 3–6 Months Retirement Fund College Fund Real Estate taxes Homeowner’s Insurance Repairs/Maintenance Fee Replace Furniture Car Insurance Car Replacement Disability Insurance Health Insurance Doctor Dentist optometrist Life Insurance School tuition/Supplies Gifts (Including Christmas) Vacation Computer Replacement tires Baby other

totAL

18

target

Credit Card History We all have our histories. It’s okay! List yours here.

Every lineup has the usual suspects.

And these usual suspects are thieves. Use this form to list every single credit card you have, including store cards. If you have no outstanding balance, close the account completely. If you still owe a balance, cut up the cards and pay them off using the Debt Snowball form!

Creditor’s mailing address and phone number

card tYpe

nUMber

address

Date you called to close the account

phone

Confirmation number showing the account was closed

closed

conF.

Before You Start Key "DOs" • • • • • •

Save, Save, Save!

Know your credit score.

Find a trusted lender with a good reputation.

Read your contract; ask questions.

Be on time when submitting your documents.

Work with me and I will make you a priority.

Key "DON'Ts" • • • • •

20

Start looking before you are pre-approved.

Open any new lines of credit.

Quit or start a new job right before closing.

Forget about closing costs (save, save, save!).

Forget to be patient with the process.

Home Buyer Checklist Name:

Email:

Phone#

Spouse Name:

Email:

Phone#

Children: Pets:

Yes

No

#

Yes

No

#

Style Home:

Cape Cod

Ranch

Contemporary Craftsman

Ranch

Split-Level

Condo

Craftsman

Colonial

Farmhouse

Victorian

Desired Location: School District: Property Address: Price: Bedrooms: #

Upper

Lower

Main

Primary Location: Bathrooms: #

Upper

Laundry Location: Garage:

Upper

Attached

Crawl Space

Windows:

Original

Water Access:

Yes

Lower

Detached

Basement:

Amenities:

Lower

Main

Main

# of Stalls

Slab

Replacement:

Yes

Pool: Inground

Above

No Fireplace:

Wood Burning

Electric

No

Floor:

Wood

Carpet

Heat Source:

Ceramic

Forced Air

Radiate Heat

Hot Water Heater:

Flood Zone:

Yes

Exterior: Roof:

Wood

Gravel

Metal

Standard

Other AC:

Central Air

Tankless

Wall Unit

Electrical

Window

Water Softner

No

Brick

Driveway:

Vinyl

Vinyl

Aluminum

Combination

Paved

Shingles

Asphalt

Visible Condition

Gutter Condition: Deck:

Wood

Composit

Wrap Around

21

THE HOME BUYING PROCESS

Consultation & Pre-Approval

Consultation: Sit down with your Loan Officer to discuss the mortgage process and your budget for the monthly payment and down payment.

Pre-Approval: Provide income and asset documentation to receive a pre-approval letter with a conditional approval for a specific loan amount. This letter is vital; it gives you negotiating power and signals to sellers that your financing is certain.

House Hunting Time – Let the Fun Begin!

Work with your real estate agent to find a home. Consider what's important to you: • What area or school district do you want to be in?

• Do you love to entertain? Is your home the meeting place for holidays and events?

• Do you have little ones (human or furry) and need

22

Make an Offer

Now that you have found the perfect place, it’s time to put in an offer.

• This can be done digitally or with traditional hard copies. Let your agent know how you want to fill out the forms and your preferred communication method.

• Your agent will help you decide how much to offer on the home by looking at the current market and searching comparables in the same area and style home.

• Your offer includes more than just the purchase price. You also want to include terms, such as how soon you need to be in the house, or any contingencies, such as whether you need to sell an existing house first.

Earnest Money

The earnest money deposit is typically 1-3% of the purchase price. This money is put in escrow and demonstrates your serious interest in the property. It stays there until your offer is accepted and is then applied to your down payment and closing costs.

Home Inspection

After your offer is accepted, the clock begins. You will have 10 days to get a home inspection done. This is crucial because you can't see what's happening behind the walls, under the house, or on the roof, or if major systems like your furnace and water heater are in good working order.

• You may also want to consider specialty inspections such as pest, radon, and mold.

• Once the inspection is complete, you will review the report and decide if you would like to move forward with the purchase or walk away. If you walk away due to inspection findings, you will receive your earnest money deposit back.

Apply for Your Loan

Gather all required documents and upload them securely via email, an online portal, or a mobile app. Then you’ll receive the Loan Estimate, in which you’ll need to communicate your "Intent to Proceed."

Review the Disclosure Package

It’s highly recommended to review all aspects of the disclosure package, including payments, loan program, and closing costs. Your Loan Officer will review this with you and ensure you’re prepared for closing.

23

Appraisal & Title Search

A preliminary title search will be ordered to ensure there are no liens or other claims on the property. An appraisal will also be conducted on the home to determine its market value.

Underwriting Review

While your loan is being reviewed by an underwriter, you may be asked to provide additional documents. Try to respond promptly to inquiries and maintain your financial status quo.

The Closing Disclosure

This five-page document contains the locked-in costs of your loan. You’ll review, sign, and return the Closing Disclosure to your Loan Officer within 3 days of receipt.

Closing Day!

Closing is the final stage where the property is legally transferred from seller to buyer. You’ll sign all the necessary documents and receive the keys to your new home!

Hooray!

24

UNDERSTANDING CLOSING COSTS Closing costs are fees paid at the close of a real estate transaction, typically ranging from 2-5% of the total purchase price. Here's a breakdown of common closing costs:

Commissions

Usually around 6 - 7%, split equally between the buyer's and seller's agents. Typically handled by the seller, but can be split.

Loan Origination Fee

Also called a “point,” this fee is usually 1% of the total loan amount, paid to the lender for processing your loan. Usually handled by the buyer, though sometimes split.

Loan Discount (Points)

Fees paid directly to the lender at closing in exchange for a reduced interest rate, which can lower monthly mortgage payments. Paying more points can save money over the life of the loan. Usually handled by the buyer.

Appraisal Fee

Paid to the third-party appraiser to determine a fair value for the property. Usually paid by the buyer.

Credit Report Fee

Required by the lender to verify your creditworthiness.

25

Lender’s Inspection Fee

Associated with new construction, pays an independent inspector to verify the home's habitability and construction quality. Paid by the buyer.

Hazard Insurance Premium

Coverage that protects a property owner against various types of damage.

Flood Insurance Premium

Required for homes in traditional flooding zones.

Homeowners Insurance

One year premium for homeowner's insurance is required to be paid at closing, with an additional two months of premiums collected for a reserve account when applicable.

Annual Assessments

Special assessments included on property tax bills will be included in loan payments.

Advance Loan Fees

Fees collected prior to closing including appraisal fee, credit report fee, and extended lock fee.

Prepaid Interest

Most mortgage companies require interest that will accrue on the loan before the first payment be handled in advance. Usually paid by the buyer.

Reserve Account Funds

It is common for a special escrow account to be set up with funds collected at closing and then every month as part of the loan payment, for things like taxes and insurance.

City & County Property Taxes

All property taxes are collected based on when they next become due, plus an additional two months for a reserve account when applicable. Prorations will be applied between buyer and seller based on the tax year.

12

IMPORTANT BUYER ALERTS! Trigger Leads

Beware! When you fill out a loan application, national credit bureaus (Experian, TransUnion, Equifax) take note of the inquiry. They then take that information (a "trigger lead") and sell it to competing lenders within 24 hours. You will then start receiving calls and emails with unsolicited offers from other companies — and it’s completely legal!

This could open the door for many issues, including but not limited to: • • • •

Identity theft Unreliable lenders Confusion of the mortgage process Irritating phone calls

Do Not Call Registry

Complete prior to applications! The National Do Not Call Registry lets you limit unsolicited calls. STOP unwanted calls by registering your phone number: • DoNotCall.gov • 1-888-382-1222 or 1-866-290-4236 If you register online, you will receive an email to complete your request. You must click on the link in that email within 72 hours for your registration to take effect. If you ignore these calls, they will generally stop after about 48 hours.

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Real Estate Terms & Definitions This section provides definitions for common real estate terms you may encounter during your home buying journey.

Addendum

If a buyer or seller wants to change an existing contract, they might add an addendum outlining the specific part of the contract they’d like to adjust and the parameters of that change. The rest of the contract stays the same.

Appraisal

An unbiased estimate of how much a home is worth, typically required by lenders to ensure the loan amount is accurate. If the home’s appraised value is below what the buyer has offered, the lender may require the buyer to pay the difference.

Buydown

A mortgage-financing technique that lowers the buyer’s interest rate for a period (e.g., a few years) or the lifetime of the loan. Often, the seller or contractor makes payments to the mortgage lender to achieve this.

Clear Title

Also known as a “just title,” “good title,” or a “free and clear title”—a clear title doesn’t have any kind of lien or levy from creditors. It means there’s no question of legal ownership of the property.

Closing

The final stage of the real estate transaction where the property is legally transferred from seller to buyer.

Closing Costs

Fees paid at the close of a real estate transaction, typically between 2-5% of the total purchase price.

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Comparable Sales (Comps)

Used by an appraiser to establish a home's worth based on what other similar homes in the area have sold for recently.

Contingency

A condition in a contract that must be met for the contract to remain valid. Examples include the home passing an appraisal or inspection, or the buyer selling their existing home.

Conventional Mortgage

A loan not guaranteed or insured by the federal government. These often require larger down payments (at least 20%) and typically don't require mortgage insurance.

Default

When a homeowner has not paid the sum they agreed to, typically meaning a mortgage payment hasn't been made in 90 days or more.

Deed

The legal document transferring a title from the seller to the buyer.

Discount Points: Fees homebuyers pay directly to the lender at the time of closing in exchange for reduced interest rates, which can lower monthly mortgage payments. (See also Loan Discount)

Down Payment

The amount of cash a homebuyer pays at the time of closing. Typical home loans may require 20%, but some conforming loans accept 5%, and FHA loans accept as low as 3.5%.

Earnest Money Deposit

A deposit (usually 1-3% of the home’s total purchase price) made by a homebuyer when entering a contract with a seller, demonstrating interest in the property. It is usually deducted from the total down payment and closing costs.

Escrow

Part of the homebuying process where a third party holds something of value (most often, the buyer’s earnest money check) during the transaction. The funds are released to the seller once the transaction is complete.

FHA Mortgage

Federal Housing Administration (FHA) loans, meant to help first-time homebuyers. The FHA insures the loan, making it easier for lenders to offer a better deal, including a lower down payment (as low as 3.5%), low closing costs, and easier credit qualifying.

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Home Inspection

Carried out by an objective third party to evaluate the condition of a property during a real estate transaction, identifying major issues that might affect the home's value and the investment.

Lender

The individual, financial institution, or private group lending money to a buyer to purchase property with the expectation the loan will be repaid with interest.

Mortgage

The agreement between a borrower and a lender giving the lender the right to the borrower’s property if the borrower is unable to make loan payments within an agreed-upon timeline.

VA Loan

A low or zero-down payment mortgage option offered to eligible veterans and active duty service members and their families. VA loans are partially backed by the Department of Veterans Affairs (VA) and issued by private lenders.

SERVICE PROVIDERS Home Inspections:

1st Choice Inspections Paul Gagneur pjgagneur@1stchoiceinspectionservice.net 269-207-9309

Timberland Home Inspections

Tim Williams tim@timberlandhomeinspections.com 269-501-0287

Pest Inspections:

Rental/Property Management: Jaqua Property Management 328 W. Milham Ave, Portage, MI 269-226-2996

Title/Closing Services:

Southwest Michigan Title Agency 221 S. Drake Rd., Kalamazoo, MI 269-341-4734

Insurance Services:

Exact Pest Control Solutions Jeremy Johns 269- 552-8561

Arcadia Insurance Agency Michelle Hostutler 269-488-0324 mhostutler@nulty.com

Home Staging & Decluttering:

Moving Coordination:

Distinguished Homes Johanna Jaeck, Design Consultant, ASP®, IAHSP jjaeck@jaquarealtors.com 269-743-4007

Southwest Michigan Community Resources 269-226-2994 | 269-381-7653 moving@jaquarealtors.com 414 W. Milham Ave. Portage, MI

Peg Dorgan peg@mydistinguishedhome.com 269-370-0822

Home Mortgage:

Summit Home Mortgage Rochelle Birmann, President Rochelle.Birmann@summithomemtg.com 269-615-0129

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269-823-3660 jaquarealtors.com/ifisher ifisher@jaquarealtors.com

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221 S. Drake Road, Kalamazoo, MI 49009

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