Your guide to a smarter home purchase.
I’m a financial educator first and a loan officer second. You’ll get honest advice, plain-English education, and full transparency at every step, so you can make confident decisions and keep more of your money.
Get started Get a second opinionHow I can help
First-time buyers
Save money from day one and avoid costly surprises. Free guides included.
Learn more →Already under contract?
Send me your loan estimate and I’ll tell you honestly if you’re getting a good deal.
Learn more →What to expect when we work together
Clarity
No jargon. I explain every step of the home buying process so you always know what’s happening and what comes next.
Honesty
You’ll get straight answers, even when it’s a tough conversation. If a deal isn’t right for you, I’ll tell you.
Education
I teach you how mortgages work so you can compare options and make decisions with confidence.
My goal: give you the best advice and service possible, and find ways to save you money along the way.
How it works
Tell me about you
Fill out a short form or send me a text. No pressure, no obligation.
Review your options
I’ll show you what you qualify for, your estimated payment, and ways to save.
Move forward with confidence
Get pre-approved and shop knowing your numbers.
Meet Jordan
With 8 years in banking and a Bachelor’s in Business Administration & Marketing, Jordan is dedicated to honest advice and treating clients like family. Ranked in the top 5% of loan officers in Michigan and 2023 Mortgage Sales Consultant of the Year at First State Bank, he’s known for tackling tough conversations and offering solutions others won’t.
Let’s talk →Buy your first home and keep more of your money.
The right loan structure, the right lender credits, and the right questions can save you thousands up front and every month after.
See how much I can save youWhere first-time buyers can save
Lower upfront costs
Down payment assistance, seller concessions, and lender credits can reduce the cash you need to close.
Lower monthly payment
Comparing loan types, mortgage insurance options, and rate structures can change your payment meaningfully.
Fewer surprises
A clear estimate of closing costs, escrows, and fees before you make an offer.
Free resources
First-time buyer checklist
- Check your credit reports for errors
- Gather two years of W-2s or business records, recent pay stubs, and two months of bank statements
- Decide on a comfortable monthly payment, not just the maximum approval
- Get pre-approved before touring homes
- Ask about down payment assistance programs in your area
- Avoid new debt or big purchases until after closing
10 ways to reduce your cash to close
- Negotiate seller-paid closing costs
- Compare lender credits against paying points
- Ask for a lower-cost homeowner’s insurance quote
- Time your closing date to reduce prepaid interest
- Shop title and settlement services where allowed
- Ask about assistance and grant programs
- Compare mortgage insurance options
- Check for gift funds rules with family
- Review the Loan Estimate line by line
- Ask me to run side-by-side scenarios
Questions to ask any lender
- What is my total cash to close, with every fee itemized?
- Is this rate locked, and for how long?
- Are there points or origination charges?
- Who services my loan after closing?
- How fast can you issue a clear-to-close?
Ready to see your numbers?
Start my pre-approvalGet a free second opinion on your mortgage.
Before you lock in, let me look at your Loan Estimate. I’ll tell you honestly whether the rate, fees, and terms are competitive, or where you could do better.
Send me my loan estimateWhat I review
- Interest rate and APR compared to current market options
- Origination fees, points, and lender credits
- Third-party fees, title charges, and escrow set-up
- Mortgage insurance and loan type fit
- Rate lock terms and closing timeline
How it works
Send your estimate
Share your Loan Estimate through the contact form or text it to me.
I compare it
I go through every line and run a side-by-side with what I can offer.
You decide
You get an honest answer. If your deal is good, I’ll tell you to stay put.
Time matters when you’re under contract, so reach out as soon as you have your estimate. No cost and no obligation.
Buy your next home before your current one sells.
A bridge loan helps you make a strong, non-contingent offer by tapping equity in your current home while it’s on the market.
Talk through a bridge loanFirst State Bank bridge loan program. Subject to credit approval and program guidelines.
Who it’s for
Homeowners ready to move who don’t want to wait for a sale to buy.
Why it helps
Make a stronger offer, avoid a double move, and skip the rush to sell.
What to know
Terms, costs, and eligibility vary. I’ll lay out the full picture first.
Self-employed? Qualify with your real income.
Tax write-offs can make your income look smaller on paper than it really is. Bank statement loans use your business or personal deposits instead of tax returns.
See if I qualifyWho it’s for
Business owners, freelancers, and contractors with strong cash flow.
What you’ll need
Typically 12 to 24 months of bank statements plus basic business documentation.
What to know
Rates and guidelines differ from traditional loans. I’ll show you the tradeoffs.
Home financing for those who served.
Designed for Veterans, active-duty service members, and their families.
Talk through a VA loan0% down
Benefit from low or no down payment options.
Flexible terms
Choose fixed-rate loans with flexible terms.
Competitive rates
Take advantage of competitive rates and lower fees.
Subject to eligibility, credit approval, and program guidelines.
Homeownership, made easier for those who serve our community.
The First State Bank Community Heroes Mortgage is built for teachers, EMTs, paramedics, police officers, and fire professionals.
See if I qualifyWho can apply
- Teachers
- EMTs and paramedics
- Police officers
- Fire professionals
Approval is based on credit score and debt-to-income requirements, and employment verification is required.
Let’s see what you qualify for
Start the conversationSubject to credit approval and program guidelines. View the program on fsb.bank.
Free home buying calculators.
See what you can afford and how buying compares to renting before you start shopping. These tools are hosted on First State Bank’s website and open in a new tab.
Home Affordability Calculator
Find the home price and monthly housing cost that fit your income, debts, and down payment.
Open calculatorWant help with your real numbers?
Calculators give estimates. I can run an exact scenario with your credit, income, and goals.
Talk with JordanResults are estimates only and are not a loan offer or commitment to lend.
Let’s talk about your goals.
Fill out the form and I’ll reach out personally, usually within one business day.
Meet Jordan
I live in Clarkston with my wife, Briana, and our mini Bernedoodle, Callie. I enjoy golf, fitness, and staying active in the community. When you work with me, you get honest advice and a straight answer, every time.