Hi! I'm Kevin W Martens and I'm a Senior Loan Officer from Novi, Michigan. I'm here to provide expert advice and bring you home faster.









Our Process

Movement Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor’s approach to the mortgage process is notorious for being drawn out, stressful, and risky. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Currently over 70% of our loans are processed within 7 business days or less! Movement is excited to bring you home faster.

1. You submit an electronic application.
2. The underwriter aims to make a decision within 6 hours.
3. The loan is processed within 7 days.
4. The loan is ready to close!
WHAT BEST DESCRIBES YOU?

Movement Mortgage offers the Federal Housing Administration Loan (FHA) to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance or become homeowners.

• 3.5% down payment required - Can be a gift; see your Movement Mortgage Loan Officer for details.
• Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.
• Seller can contribute up to 6% of the borrower's closing costs.
As renovation and home improvement loans become more and more popular in today’s housing market, Movement offers products such as 203k Streamline to provide our homebuyers with an exceptional market advantage. This product allows homebuyers to:

• Finance additional monies into their mortgage to improve or upgrade their home before move-in
• Quickly and easily tap into cash to pay for property repairs or improvements, including those identified by a home inspector or FHA appraiser
Movement Mortgage offers the Federal Housing Administration Loan (FHA), to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance.

One of our most popular mortgage products is a traditional fixed rate loan. This product gives homebuyers the comfort and ease of a consistent interest rate that will not change throughout the life of their loan. A fixed rate mortgage also provides our homebuyers with better control and flexibility to budget their finances.

• Low down payment options available for qualified borrowers.
• Provides for cash-out refinances.
• Loan amounts available up to $417,000.00
• 10, 15, 20, and 30 year terms available.

Movement Mortgage is one of the nation's most trusted originators of Reverse Mortgages. We help homeowners, ages 65 and older, capitalize on the equity they’ve built in their homes to secure financial independence and peace of mind. The government-insured Reverse Mortgage Program allows these individuals the ability to access equity within their home, by receiving tax-free advances to spend as they choose.

Ways you can use a Reverse Mortgage:

• Meet healthcare expenses
• Remodeling or home repairs
• Reducing credit card debt
• Planning for long-term care needs
• Purchasing a second home
• Paying off an existing mortgage
MORTGAGE CALCULATOR

This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.
FREQUENTLY ASKED QUESTIONS

While keeping your financial health our main priority, Movement Mortgage will determine your borrowing power after considering multiple factors such as your monthly income, employment history, credit score, and overall credit-worthiness. One of our most valuable pieces of advice is that only you can determine the mortgage debt that you're willing to bear, based on your future financial goals. Movement Mortgage provides expert advice to assist you with how much you can comfortably afford to borrow.
Absolutely. Movement Mortgage offers a large variety of available financing options for potential buyers with little or no down payment. We've even received recognition and an award for helping borrowers get financed with federal programs which offer forgivable down payment assistance.
Yes. Movement Mortgage suggests a thorough conversation regarding all fees and closing costs associated with sealing the deal of your home. To avoid any last minute surprises, it is essential to plan in advance for various out of pocket costs such as an appraisal, title insurance, and other costs depending on your specific loan situation. For example, some buyers will pay for all or some of your closing costs.
YES. A common mistake homebuyers make, is assuming that getting pre-qualified is substantial enough in a busy market full of other buyers all vying for the same home. In today's market, pre-approval is the way to go. Movement's 7 Day Processing and upfront underwriting will brings our borrowers as close to a cash-transaction as they can get. This gives our borrowers an exceptionally rare advantage in the eyes of a seller, truly setting them above the rest.
Movement experts are here to guide you into the best choice to protect your financial goals and maximize the best rate of return on your investment. Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0 to 20%. There are many disadvantages to both small and large down payments, including income tax benefits and keeping a portion of the funds available as a financial cushion. Our Loan Officer's provide guidance to our borrowers on their options and the outcomes of each.
While competitors are pushing their closing dates back from anywhere between 30 to 90+ days, Movement Mortgage is setting records in the industry with 7 Day Processing and upfront underwriting. We have streamlined these innovative processes, allowing our Loan Officers to move closing dates up when requested by real estate agents. Imagine: you get the keys to your dream home while others are stuck waiting for underwriting approval.
Your credit score in addition to other significant factors such as employment history, debt, and monthly income, all play a role in determining your credit-worthiness to the lender. Movement Mortgage offers valuable advice and encourages borrowers to get pre-approved first, increasing their borrowing power for their future purchase.
If you have more questions or were unable to find the answer to your question here, please give us a call. This is one of the biggest purchases of a lifetime, and Movement Mortgage believes in the importance of educating and arming our borrowers with as much knowledge as possible so they may comfortably and confidently purchase their dream home.





Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.

 







What people are saying ...




Thank you for being such a reliable company. After a stressful experience with a different mortgage bank, I was hesitant to follow a friend


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Former United States Navy / Army:

My name is Samuel Lee, and I am a Market Leader at Movement Mortgage in San Diego, CA. I served in the Navy as a Sonar Technician Geographic, Surface Warfare Specialist for 6 years, then served in the Army as a Staff Sergeant for an additional 4 years.

There is absolute parity between Movement Mortgage and my experience serving in the military. The esprit de corps (a feeling of pride, fellowship, and common loyalty) is bar none at Movement, and far higher than any major private sector organization I have worked for.

Every day spent serving my country brought different challenges: there were split-second decisions I had to make, big picture decisions I had to make, and everything in between. More importantly, those decisions had a lasting impact on those I served with, and those who served under me. Servant Leadership was at the heart and core of these decisions and my time in the service. Movement Mortgage and its Veteran’s Employee Resource Group (VERG) embodies this implicitly.

VERG, from its inception, has formed a level of camaraderie and unity that veterans desperately crave at every turn from the day they transition out of the military. It provides a place where extraordinary victories and hardships can be shared, with the common bond of simply knowing that adversity is not a struggle we must face alone.

Movement’s drive, standard of excellence, and VERG meet and often EXCEED the standards of discipline often found in the military units I served with for so many years. I am eternally grateful for Movement and VERG and the opportunity to continue to serve my homebuyers and peers with the same verve and Servant Leadership our Armed Forces exemplifies.

Never forget those who served our past, serve our present, and will carry on our legacy into the future. HOOAH!
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direct: 734-837-1994
cell: 734-837-1997
fax: 734-217-4060
39500 Orchard Hill Place, Ste. 100 Novi, Michigan 48375