Sean Perry Loan Officer NMLS 2113869

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Pontiac, MI
Sean Perry Loan Officer NMLS 2113869

Loan Officer | NMLS #2113869
In the mortgage industry since 2015. I work with mortgage brokers in facilitating loans

I focus on building real relationships through honest guidance and clear communication—so you always feel confident, informed, and supported, every step of the way.

08/28/2026

Wondering if Southwest Michigan might finally give buyers a little more breathing room? 🏡

Inventory is up 28% year over year across Berrien, Allegan, Cass, and Van Buren counties : creating more choices and more room for thoughtful negotiation.

Here’s the reality:
✅ Approximately 6.4 months of supply
✅ Prices are holding steady
✅ June recorded the highest monthly sales total of the year, with 302 homes sold
✅ Distressed sales remain under 2% of sales

That points to a healthier, more balanced market : not a market crash and not a reason to panic-buy. It may simply be your opportunity to shop with less bidding-war pressure and more time to make a smart decision.

Of course, conditions can vary by county, neighborhood, property type, and price range. The right strategy starts with understanding YOUR local market and financial goals.

Want to see what your options look like? Let’s talk.

Sean: (586) 630-2682
michiganmortgagepro.com

Source: Herald-Palladium and Southwest Michigan Regional Chamber / Realtor report, August 2026.

08/27/2026

Thinking about buying in Michigan this fall? The best time to prepare is before the right home appears: not when you’re already competing for it. 🏡

Use August and September to get Simple, Smart, and Savvy:

✅ Review your credit and monthly budget
✅ Gather income and asset documents
✅ Determine cash needed for your down payment and closing costs
✅ Get pre-approved so you understand your buying range
✅ Ask what your pre-approval does: and does not: guarantee

A pre-approval is an initial lender assessment based on the information and documents reviewed. It can help you shop with clearer expectations, but it is not a guarantee of final approval, a guaranteed rate, or an accepted offer.

Preparation isn’t pressure. It’s a way to feel more confident and make informed decisions when the fall market gets busier.

Want to review your next steps? Call or text Sean at (586) 630-2682.

Eligibility, terms, and approval depend on the borrower’s complete financial profile, property details, and applicable loan requirements.

08/26/2026

Wondering how a 2/1 temporary rate buydown could affect your Michigan home payment? Here’s the simple version:

• Year 1: The payment is based on an interest rate 2 percentage points below the full note rate.
• Year 2: The payment is based on a rate 1 percentage point below the full note rate.
• Year 3 and beyond: The payment returns to the full note rate.

The subsidy may be funded by the seller, builder, or buyer. Important: loan approval and qualification are generally based on the full note rate: not the temporarily reduced payment.

A 2/1 buydown is temporary payment assistance, not a permanent rate reduction. It also doesn’t automatically make a home affordable, so make sure the year-3 payment fits your budget.

Before accepting one, ask:
1. Who is funding the buydown?
2. What happens if I sell or refinance early?
3. Does the seller concession fit within program limits?
4. What will my payment become in year 3?

Eligibility, terms, costs, and availability vary. Want to see how the numbers may work for your situation? Let’s talk.

Sean | Michigan Mortgage Pro
(586) 630-2682

08/25/2026

Seeing more homes for sale in Southwest Michigan? That does NOT automatically mean prices are crashing. 🏡

June brought the region’s highest monthly home sales of 2026:

610 homes sold : up 20% year over year
1,628 homes available : up 16%
Median price: $312,000 : up 2%
About 2.5 months of supply

The takeaway? Buyers have more choices and may have more room to compare homes and negotiate thoughtfully. But don’t assume every seller will accept a major discount. Demand is still holding up, and the average selling price was relatively steady at $332,500, down just 1% from June 2025.

Local conditions can vary by city, property type, and neighborhood. The smartest move is to look beyond the headlines and evaluate the specific home, price, condition, and overall value.

Want to talk through what the Southwest Michigan market could mean for your home search? Call Sean at (586) 630-2682.

Source: Herald-Palladium / Southwestern Michigan Association of Realtors

08/21/2026

Michigan homeowners are spending more to improve the homes they already have: and limited housing inventory may be one reason many are choosing to remodel instead of move.

The NAHB’s Q1 2026 state projections estimated Michigan remodeling spending rose about 10.1% on a four-quarter moving average. That’s an estimate of market activity: not a guarantee for any individual project: but it signals continued demand for renovations.

If you’re considering an upgrade, two options may be worth exploring:

A HELOC can provide flexible access to funds as project costs arise. Keep in mind that it typically has a variable rate and payments can change.

A home equity loan may provide a lump sum for a defined project, often with a more predictable payment structure.

Smart uses may include a kitchen or bathroom renovation, finished basement, accessibility updates, or energy-efficiency improvements. Both options use your home as collateral, so it’s important to review the full costs and repayment plan.

Eligibility, rates, fees, and terms vary. Want to see which option may fit your goals? Message Sean at (586) 630-2682. Michigan Mortgage Pro keeps the process Simple, Smart, and Savvy.

08/19/2026

Wondering if higher mortgage rates have cooled the Grand Rapids market? Not exactly. 👀

Fresh Realtor.com data for July 2026 shows a healthy West Michigan market:

• Pending sales are up
• Active inventory is up 16% year over year
• Homes are selling in a median of 37 days: much faster than the 57-day national median

That combination matters. Grand Rapids buyers have more homes to choose from and potentially more negotiating room, while well-priced homes are still moving quickly: even after the July rate spike.

This isn’t a market to fear. It’s a market to understand.

Whether you’re buying in Grand Rapids, refinancing in West Michigan, or simply trying to figure out what today’s numbers mean for YOUR plans, let’s run the numbers together.

Simple. Smart. Savvy mortgage guidance starts with a conversation.

Call or text Sean at (586) 630-2682.

Source: Realtor.com, July 2026 housing data.

08/18/2026

Metro Detroit buyers, are you finally getting some negotiating room? 👀

According to Redfin data reported by Susan Tompor, Metro Detroit home sales fell 9.3% year over year in July, while the median time on market rose to 32 days.

That creates a real opportunity: but it doesn’t mean every home is suddenly a bargain:

• Homes sitting for 2+ weeks may justify an offer 3–4% below asking.
• Ask for an inspection contingency.
• Consider requesting seller concessions to help cover closing costs.
• Flexible closing timelines can strengthen your offer.

Move-in-ready homes in desirable areas can still sell at or near asking price. The key is knowing which listings have leverage: and which don’t.

Detroit also remains the No. 1 major metro for starter-home affordability, with 62.6% of listings affordable for the median-earning household.

Simple, Smart, Savvy buying starts with the right strategy. Want to know what you can reasonably negotiate on a specific home? Let’s run the numbers.

Call or text Sean: (586) 630-2682

08/17/2026

Wondering why some Michigan builders are offering incentives instead of lowering the sticker price? 👀

Builders are competing for buyers with tools like:
• Flex cash
• Rate buydowns
• Closing-cost credits
• Upgrade packages

For example, M/I Homes is currently promoting up to $30,000 in Flex Cash on select Quick Move-In homes in Metro Detroit through August 31, 2026. A 2/1 rate buydown may also be available on eligible homes and financing.

Here’s the Simple, Smart, Savvy takeaway: don’t compare homes by price alone. Compare the TOTAL monthly payment, cash needed at closing, and the value of the incentives.

A home with a higher list price could potentially have a lower monthly payment after a buydown or credits are applied. But incentives often require using the builder’s preferred lender and may have restrictions, so verify the details and shop your financing options before deciding.

Want to compare the numbers? Message Sean at (586) 630-2682. We’ll help you look beyond the headline and find the strategy that fits YOUR budget.

Availability, terms, qualifications, and incentives may vary.

08/14/2026

Thinking about buying in Mid-Michigan or the Lansing area? Here’s what the latest data says: the market is moving FAST. 🏡

According to Jeff Burke’s August market update:

• Median sales price: $259,000
• Year-over-year price growth: 17.7%
• Median time to sell: just 7 days

Even with inventory growing, the right homes are still flying off the market. That means buyers need a plan: not hesitation.

A strong pre-approval, clear budget, and fast decision-making can make all the difference when your ideal home hits the market. The goal isn’t to rush. It’s to be ready and make a smart move with confidence.

Simple. Smart. Savvy.

Want to know what your options look like in today’s Mid-Michigan market? Let’s run the numbers together.

Call or text Sean at (586) 630-2682.

08/13/2026

Seeing headlines about Metro Detroit home sales tumbling? Here’s the reality: a slower market isn’t automatically bad news for buyers. 👀

As mortgage rates rise and inventory continues to grow, competition may be easing. That can mean:

• More homes to choose from
• Less pressure to rush into a decision
• More room to negotiate on price or terms
• Time to make a smart move instead of an emotional one

Crain’s Detroit Business reported on this shift today, and it’s an important reminder: market headlines don’t tell the whole story.

For prepared buyers, this could be a strategic window: but the right opportunity still depends on your budget, financing, and the specific Metro Detroit neighborhood you’re considering.

Simple. Smart. Savvy.

Want to know what your buying power looks like right now? Message Sean or call (586) 630-2682. Let’s run the numbers and see whether today’s market could work in your favor.

Address

235 N Groesbeck Highway Suite 300
Pontiac, MI
48043

Website

https://michiganmortgagepro.com/, https://2566773.my1003app.com/2113869/register?time=1771355165774

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