Know what you can actually afford — before you fall in love with a house. Play with the numbers on your own, then talk to a real team when you’re ready. No application, no pressure.
Get a feel for your monthly payment, ballpark affordability, and what waiting could cost. Play with the numbers before you talk to anyone — but the real picture comes from a conversation, not a calculator.
Live mortgage rate index from Optimal Blue. Rob's actual quotes are typically lower than these market averages — these are the benchmark.
Four steps, two people, one goal — keys in your hand on closing day.
Quick call with Rob to talk through what's actually possible — rate, payment, down payment, the whole picture. No application, no commitment, no pressure. The calculators above are a warmup; the real numbers come from this call.
When the numbers feel right, Rob structures the loan and issues a real pre-approval letter — not a guess. You walk into showings with a number you can stand behind.
Kevin finds you the right home, negotiates strong offers, and keeps the deal on track.
We coordinate inspection, appraisal, and closing so nothing falls through the cracks.
One Realtor, one lender, one coordinated plan — built around your situation, not a sales quota.
We shop dozens of lenders to find your rate — instead of selling one bank’s products.
Kevin knows the neighborhoods; Rob knows Michigan financing. Real people here, not a national call center.
McKenney Home Lending is a veteran-owned (USMC) Michigan mortgage broker.
Realtor and lender working the same deal together — so nothing falls through the cracks between showing and closing.
Two specialists, one shared inbox for your deal. Reach either of us anytime.
I help you find the right home, negotiate strong offers, and keep everything on track from showing to closing.
I break your numbers down so you know exactly what you can afford — and how to structure an offer that actually wins.
NMLS #23394 · Corp NMLS #2497854
Real Case-Shiller home-price data (U.S. national index) going back to 1942. Housing has bad years — but time has been almost undefeated. Hover any year to see the number.
Of the last 74 ten-year holds, only one finished negative — homes bought in 2006, down just 3%. Every other decade made money.
Single down years are rare and shallow. The only real red stretch was the 2007–2011 crash — and it fully recovered within a few years.
The lesson isn’t “time the market” — it’s time in the market. Let’s map out your timeline.
Map out your timeline with RobFor education only. Figures are national historical data from the S&P/Case-Shiller Home Price Index — not Michigan-specific, not an appraisal, and not a projection of future values. Past performance does not guarantee future results.
Reach out however fits your day — we'll meet you where you are.