Buying a home
Purchase Loans
Competitive rates and flexible terms for buying your dream home.
David Rinderknecht · Mortgage 1 Inc. · NMLS 1260787
Your Path to Homeownership Starts Here
Expert mortgage guidance with personalized service. Let's turn your dream home into reality with competitive rates and seamless financing solutions.
Get to Know Me
Your Trusted Mortgage Partner
With years of experience in the mortgage industry, I'm dedicated to helping families achieve their homeownership dreams. At Mortgage 1 Inc. NMLS 129386, I provide personalized service and expert guidance throughout your entire home financing journey.
Whether you're a first-time homebuyer, looking to refinance, or seeking an investment property loan, I'll work tirelessly to find the best mortgage solution tailored to your unique financial situation and goals.
10+Years experience
100+Happy homeowners
24 hrResponse time
FreeConsultation
What I Offer
Mortgage solutions for every next step.
Lower my rate
Refinancing
Lower your rate or access your home's equity with refinancing options.
First home
First-Time Buyers
Special programs and guidance for first-time homebuyers, including Michigan down payment assistance.
Rental property
Investment Properties
Financing solutions for real estate investors and rental properties.
How It Works
From first call to closing table.
- 1
Get pre-qualified
A quick look at your income, credit and goals so you know what you can afford before you shop.
- 2
Shop with confidence
A pre-approval letter sellers and agents take seriously, good for 60 to 90 days.
- 3
Lock and process
We lock your rate, order the appraisal and work through underwriting together.
- 4
Close and move in
Most purchases close in 30 to 45 days. I'm still a call away after you get the keys.
Meet Your Lender
David Rinderknecht
Mortgage Lender · Mortgage 1 Inc. · NMLS 1260787
You'll work with me directly from your first question to the closing table. I explain every option in plain English, run the numbers honestly, and stay in touch so you're never wondering what happens next.
- Professional ExcellenceCommitted to providing exceptional service and expert mortgage advice
- Personalized ApproachEvery client receives customized solutions for their specific needs
- Fast & EfficientStreamlined process to get you from application to closing quickly
Common Questions
Straight answers, before you ask.
Do I really need 20% down?
No. That's one of the most common myths in the business. Many conventional and FHA loans need only a low minimum down payment, and VA and USDA loans offer no-down-payment options for eligible buyers.
What credit score do I need?
It depends on the loan type. Conventional loans generally start around 620, FHA can go lower, and VA and USDA don't set a hard minimum. A higher score gets a better rate, but a lower score doesn't automatically mean no.
Will applying hurt my credit?
A mortgage inquiry is a small, temporary dip, usually a few points. Credit bureaus treat multiple mortgage inquiries within a short window as a single inquiry, so shopping lenders won't stack up against you.
Are there down payment assistance programs in Michigan?
Yes. MSHDA offers down payment assistance that can be layered with FHA, conventional and other loan types for buyers who meet the income and purchase-price limits.
Let's Connect
Ready to Get Started?
Take the first step towards your homeownership goals. Fill out the form and I'll get back to you within 24 hours to discuss your mortgage options.
Call or text517-672-6435- Free consultation
- No obligation
- Quick response time
- Personalized service
✓
Thank you!
I've received your request and will contact you within 24 hours.