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About Me

Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.

I have many years of experience, starting as a loan officer in February of 2002.  I've closed well over 1000 mortgages and have the benefit of knowledge of mulitiple mortgage products that are being used in today's industry. I can say with confidence that I'll get the job done right and would love the opportunity to help you too.

We have great expertise in two of the last zero mortgage programs available, Rural Development and VA loans.   There are many guidelines that loan officers must be aware of on these loans and we have this knowledge. 

 

License NMLS 121363

Member of the Montcalm County Association of Realtors

 USDA RURAL DEVELOPMENT GUIDELINES

The applicant must have a good credit history with a minimum 640 score. 

PITI (Principal, Interest, Taxes and Insurance) cannot exceed 29% of qualifying income without compensating factors.

Total Debt Ratio cannot exceed 41% without compensating factors.

You cannot currently own a home, excluding manufactured homes in a park.

Home must be your primary residence.

You must be under the income limit for the county you are purchasing in.  This includes the income of ALL people who will be occupying the home even if they are not on the new mortgage.  Click the link below to see if you are under the Rural Development income limit.

http://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state&NavKey=income@11

Home must be located in an eligible area.  Click the link below to see if a property is within a Rural Development eligible area.

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11

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Contact Information
Kevin J. Hilderbrant
Branch Manager NMLS #121363
Direct: (616) 754-7817
Cell: (616) 617-8196
Email: Send Email
Kevin J. Hilderbrant, Branch Manager NMLS #121363
VanDyk Mortgage Corporation NMLS# 3035
1820 W. Washington St, Suite 1A, Greenville, MI  48838
Direct:  (616) 754-7817
Cell:  (616) 617-8196
khilderbrant@vandykmortgage.com
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