Buying a home
Conventional & Jumbo Loans
Purchase financing with as little as 3% down, plus jumbo options for higher-priced homes around Grand Rapids and the lakeshore.
David Rinderknecht · Rockford, Michigan · NMLS 1260787
Your Path to Homeownership Starts Here
Home loans for Rockford, Grand Rapids and every corner of Michigan, from a local lender who works with you directly. Competitive rates, honest numbers and a smooth closing.
Get to Know Me
Your Trusted Mortgage Partner
I'm a mortgage lender with Mortgage 1 Inc. (NMLS 129386), based in Rockford and licensed across the entire state of Michigan. Most of my clients are buying in Grand Rapids, Rockford and the surrounding Kent County communities, but I close loans from the lakeshore to the U.P.
Whether you need a conventional or jumbo loan, an FHA, VA or USDA program, MSHDA down payment assistance, a refinance or an investment property loan, I'll find the option that actually fits your finances and goals.
10+Years experience
100%5-star reviews
24 hrResponse time
FreeConsultation
What I Offer
Mortgage solutions for every next step.
First home
FHA & First-Time Buyers
Low down payment FHA loans and flexible credit guidelines, with hands-on guidance for Michigan first-time buyers.
Zero down
VA & USDA Loans
No-down-payment options for veterans and service members, and USDA Rural Development loans for eligible homes across West Michigan.
Michigan assistance
MSHDA Down Payment Assistance
Michigan State Housing Development Authority programs that can cover most or all of your down payment and closing costs.
Lower my rate
Refinancing
Lower your rate, shorten your term, or tap your home’s equity with a cash-out refinance.
Rental property
Investment Properties
Financing for rental and investment properties, from your first duplex to a growing portfolio.
Where I Lend
Rooted in Rockford. Licensed across Michigan.
I live and work in Rockford, so most of my clients are buying in Grand Rapids and the Kent County suburbs. But my license covers the whole state of Michigan, and I close loans everywhere from the lakeshore to Lansing to the Upper Peninsula. Wherever you are buying, the process is the same: direct access to me, straight answers and no surprises.
Ask about your area- Rockford
- Grand Rapids
- Kent County
- Ada & Cascade
- Byron Center
- Caledonia
- Cedar Springs
- Comstock Park
- Grandville
- Hudsonville
- Kentwood
- Lowell
- Sparta
- Wyoming
- Holland & Grand Haven
- Muskegon
- Lansing
- Kalamazoo
- Traverse City
- All of Michigan
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. · Rockford, MI · 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.
I have purchased my 1st home in Muskegon Mi at a very great price & at a great pace. David will be there to help every step of the way.
Dave was amazingly quick with communication and on top of the entire transaction which allowed us to close by our 3 week timeline! Mortgage One rocked out the lending side with Dave at the helm! I will definitely recommend him/them to my other clients!
I highly recommend David. He helped me through my first home-buying experience, and it was great. David was honest, open, and very quick to respond to any questions I had.
Dave is an incredible lender! He will guide you and take care of you throughout the whole mortage process. He simplifies the process and makes things super easy, which is nice since things can get a little stressfull when buying a home. I highly recommend him :)
Dave is a phenomenal communicator and works hard to ensure a smooth closing for his clients. He always takes time to answer all of his clients questions!
David is a fantastic lending partner! He is extremely knowledgeable, efficient, & works tirelessly for his clients & real estate partners. Definitely recommend!
Let's Connect
Ready to Get Started?
Answer four quick questions and I'll run your numbers, or just send me a message. Either way you'll hear from me within 24 hours.
Call or text517-672-6435- Free consultation
- No obligation
- Quick response time
- Personalized service
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Thank you!
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