Michigan's Mortgage Advisor
Mortgage Guidance Built on Trust & Clarity
Whether you're buying your first home, upgrading your space, or working through a unique loan scenario — my goal is simple: make the mortgage process feel clear, comfortable, and manageable from start to finish.
"If I can help someone else get a win, I can't lose."
— Matt Golden
About Me
Michigan's Mortgage Advisor
I'm Matt, a mortgage loan officer based in Metro Detroit, and I believe the loan process shouldn't feel overwhelming or confusing.
My approach is pretty simple: communicate early, communicate often, and never leave people wondering what's going on. Whether you're buying your first home, refinancing, or investing in property, I want you to feel informed and confident every step of the way.
I treat every client like a relationship — not a transaction. That means answering calls, explaining things in plain English, and being available when questions come up.
Most loans are straightforward, but I'm also comfortable helping with the tougher situations too — self-employment income, credit challenges, unique properties, and everything in between. I enjoy finding solutions and helping people get to the finish line without unnecessary stress.
I work with primary homes, second homes, and investment properties, and my goal is always the same: make the process smooth, clear, and as stress-free as possible.
Pre-Approvals That Carry Significant Weight
Our income verification process means my pre-approval letters aren't just a formality — they give sellers and agents confidence that the deal will close.
EASE Mortgage
NMLS #2273319
My Approach
Why Work With Me
Four pillars that guide every interaction, every loan, every relationship.
Communication
You'll always know where things stand and what comes next. I believe in proactive updates, quick responses, and transparency at every step.
"You should never feel like you need to have your guard up during the mortgage process."
Education
No pressure, no confusion — just clear answers and honest guidance. I'll make sure you understand every option so you can make confident decisions.
"The mortgage process should feel clear, not confusing."
Problem Solving
Simple loans deserve efficiency. Complex loans deserve persistence. I thrive on finding solutions where others see roadblocks.
"Stressful situations deserve urgency and attention — not panic and not dismissal."
Relationships
I'm here to be a long-term resource, not just someone you hear from at closing. My clients become part of my network for life.
"Service means the client comes first."
See What Waiting Really Costs
Every month you wait, home prices rise and your buying power decreases. This calculator includes taxes, insurance, and PMI for a complete picture.
Taxes & Insurance
PMI Required
With 5% down, PMI of ~$221.67/mo is included. PMI is removed once you reach 20% equity.
Total Cost of Waiting
$76,832
over the life of the loan
Total Monthly Payment
Buy Today
$3,265.65
Wait 1yr
$3,479.07
Home Price Impact
Loan Programs
Solutions for Every Situation
Every borrower's situation is unique. Whether you're a first-time buyer with questions, a veteran looking to use your benefits, or someone working through a more complex income situation — I have the tools and experience to find the right path forward.
I work with all occupancy types — primary residences, second homes, and investment properties — across the state of Michigan.
Start Your Application
Conventional Loans
Traditional financing with competitive rates and flexible terms.
Who it's for: Ideal for buyers with solid credit and stable income who want the most competitive rates. Great for primary residences, second homes, and investment properties.
FHA Loans
Government-backed options with lower down payment and credit requirements.
Who it's for: Perfect for first-time homebuyers or anyone with a lower credit score or limited savings for a down payment. Down payments as low as 3.5%.
VA Loans
Exclusive benefits for those who've served our country.
Who it's for: Available to veterans, active-duty service members, and eligible surviving spouses. Offers 0% down payment, no PMI, and competitive rates.
Home Equity
Tap into the value you've already built in your home.
Who it's for: Best for current homeowners looking to fund renovations, consolidate debt, or cover major expenses using the equity in their property.
Refinance
Lower your rate, shorten your term, or access your equity.
Who it's for: For homeowners who want to take advantage of better rates, switch loan terms, remove PMI, or pull cash out for other financial goals.
Purchase
Guided support from first-time buyers to experienced homeowners.
Who it's for: Whether it's your first home, a move-up, a second home, or an investment property — I'll walk you through every step of the purchase process.
The Promise
Built on Real Relationships
Helping Michigan Families Move Forward with Confidence
My clients aren't just files on a desk. They're families making one of the biggest financial decisions of their lives. That's why I prioritize clear communication, honest education, and genuine partnership throughout the entire process. When you work with me, you'll never feel like just another number — you'll have a long-term resource in your corner.
Matt Golden
Mortgage Loan Officer | NMLS #962597
First-Time Buyer FAQ
Buying your first home comes with a lot of questions. Here are honest, straightforward answers to the ones I hear most often.
It depends on the loan program. Conventional loans can go as low as 3% down, FHA loans require just 3.5%, and VA loans offer 0% down for eligible veterans. Many first-time buyers are surprised to learn they don't need 20% — that's a common myth. I'll walk you through the options and help you find the best fit for your budget.
Still have questions?
I'm always happy to chat — no pressure, no obligation. Reach out anytime.
Let's Connect
Ready to Get Started?
Whether you have questions, need guidance, or are ready to apply — I'm here to help.