Sean Perry Loan Officer NMLS 2113869

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Sean Perry Loan Officer NMLS 2113869

Loan Officer | NMLS #2113869
In the mortgage industry since 2015. I work with mortgage brokers in facilitating loans

I focus on building real relationships through honest guidance and clear communication—so you always feel confident, informed, and supported, every step of the way.

09/24/2026

Feeling priced out of Livingston, Oakland, or Washtenaw County? Don’t assume your options end there. 👀

Same Southeast Michigan region. A very different price point:

📍 Livingston County
• August median sale price: $439,000
• Sales: up 25% year over year
• Still one of Southeast Michigan’s hottest markets

📍 Shiawassee County
• August median sale price: $240,000
• New listings: up 35% year over year
• About $200,000 below Livingston’s median

That doesn’t mean moving farther out is automatically the right answer. A wider search can mean a longer commute, different school districts, and different property types. The goal is to understand the trade-offs, not make a blind compromise.

County medians are directional. Neighborhood, home condition, commute, and property-specific data matter more. Conditions can vary significantly by area.

Source: August 2026 Realcomp numbers, reported by WHMI on September 15, 2026.

Want to compare areas and loan options based on YOUR priorities? Let’s talk.

Sean Perry: (586) 630-2682
michiganmortgagepro.com

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Act.
Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773

09/23/2026

The best week of the year to buy a home is coming: September 27–October 3, 2026.

Realtor.com’s 2026 Best Time to Buy report, published September 14, names this week as the year’s strongest buying window because buyers may find:

• Up to 31.9% more active listings than at the start of the year
• Listing prices about 3.5% below the seasonal peak, roughly $14,000 off a median-priced home nationally
• Buyer competition about 30.1% below the annual peak
• Homes sitting on the market around 64 days nationally
• About 5.7% of homes with price reductions

This isn’t a rate prediction, a promise of savings, or a guarantee. It’s national data, and Michigan conditions can vary by county and price point.

The actionable step? Get pre-approved BEFORE the week starts, so you’re ready to move when the right home appears. More choices and softer competition can create a real opportunity, but preparation matters.

Want to talk through your Michigan homebuying strategy? Call or text Sean at (586) 630-2682 or visit michiganmortgagepro.com.

Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773
Equal Housing Opportunity. We do business in accordance with the Fair Housing Act.

09/22/2026

Did you know many Michigan veterans and active-duty families may have another refinance option? 🇺🇸

The VA Interest Rate Reduction Refinance Loan, often called the VA IRRRL or “Streamline”, is a VA-to-VA refinance option for homeowners with an existing VA loan.

Compared with a standard refinance, the process may involve less documentation and typically no appraisal. Exact requirements vary, but generally:

• You have an existing VA-backed loan
• The new loan is also a VA loan
• The refinance provides a tangible benefit, such as a lower interest rate and/or lower payment, as required by the VA

If you financed in 2023 or 2024, this may be an option worth learning about, but eligibility, terms and benefits vary. An IRRRL must provide a tangible benefit, and approval or savings are not guaranteed.

Thank you to Michigan’s veterans and active-duty families for your service. Want to understand whether this option may be worth exploring?

Call or text Sean Perry at (586) 630-2682, or visit michiganmortgagepro.com.

Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773
Equal Housing Opportunity.

09/21/2026

What does waiting one more year actually cost you? 🤔

Let’s run the Michigan numbers: not make a rate prediction.

Lansing average rent is about $1,126/month. That’s $13,512 over 12 months, with nothing owned at the end.

If rent rises at the recent local pace of 6.89%, the same apartment could cost about $1,204/month next year: roughly $78 more per month, or about $936 more over the year.

Now compare that with a $259,000 Mid-Michigan home:
• 5% down
• Loan amount: about $246,050
• 7.00% 30-year fixed
• Principal and interest: about $1,637/month
• First-year principal paid down: roughly $2,500

That principal becomes your equity: not your landlord’s.

But buying is NOT automatically the right choice. Renting offers flexibility and no repair bills. Buying depends on how long you plan to stay, your cash reserves, maintenance and closing costs, and job stability. Taxes, insurance, and mortgage insurance are not included in the payment above, and actual payments vary.

The point isn’t that renting is “dumb.” It’s that waiting has a price: and it should be a decision you make with numbers, not by default.

Want to compare your rent with a realistic homeownership scenario? Call or text Sean at (586) 630-2682 or visit michiganmortgagepro.com.

Sources: Apartment List August 2026 rental report; Jeff Burke August market update.

Equal Housing Opportunity.
Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773

09/19/2026

Trying to choose between an FHA and conventional loan in Michigan? The honest answer: neither is universally better. It depends on your credit, cash, DTI, property type, loan limits, program rules, and how long you plan to keep the loan.

FHA may help you buy sooner:
• 3.5% down with a 580+ credit score; 500–579 generally requires 10% down
• More flexible credit history and DTI guidelines in many cases
• 1.75% upfront MIP, often financed into the loan
• Monthly MIP can be more expensive and may last longer. With less than 10% down, it generally lasts for the life of the loan; with 10%+ down, it generally drops off after 11 years

Conventional may cost less over time:
• 3% down for some qualifying first-time buyers; 5% for others
• PMI is required below 20% down, but it can typically be requested off at 80% loan-to-value and automatically cancels at 78%
• No upfront mortgage insurance fee for well-qualified borrowers
• Often asks more from your credit profile and available cash

Bottom line: FHA can mean less cash and a softer credit profile today. Conventional can mean more flexibility with mortgage insurance later. Compare both side by side before deciding.

Want me to run both scenarios for your situation? Call or text Sean at (586) 630-2682, or visit michiganmortgagepro.com.

Equal Housing Opportunity.
Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773

09/17/2026

The Fed raised its rate by 0.25% today. Should Michigan homebuyers panic? No. But payment sensitivity is real. 🏡

Here’s the myth-busting reality: a Fed hike does NOT automatically reset 30-year mortgage rates by 0.25%.

Mortgage rates are influenced mainly by the 10-year Treasury yield and mortgage-backed securities: not the Fed’s overnight rate one-to-one. National 30-year fixed rates were already around 7.0%–7.2% before today’s announcement.

For perspective, a $400,000 30-year fixed loan is approximately:
7.00%: $2,661/month
6.50%: $2,528/month

That’s about $133 more per month at 7.00%: principal and interest only. Taxes, insurance, and HOA are not included.

What should you do?
✓ Get pre-approved and know your real payment range.
✓ Lock when the payment works for your budget: not based on guesses.
✓ Ask whether a rate buydown or seller credit could help.
✓ Remember: HELOCs and ARMs are tied more closely to short-term rates and may reset faster.

Don’t panic: and don’t wait for the Fed either. Let’s build a plan around YOUR budget. No predictions or guarantees: just clear guidance.

Sources: Reuters and CNN Business, Sept. 16, 2026; Mortgage Professional America and NAR daily mortgage-rate averages.

Call/text Sean: (586) 630-2682
michiganmortgagepro.com

Equal Housing Opportunity.
Sean Perry | NMLS #2113869
Michigan Mortgage Pro | NMLS #2566773

09/16/2026

Seeing headlines about a “cooling” Detroit housing market? Here’s what buyers should know. 👀

Active listings across Detroit-Warren-Dearborn are up 13.6% year over year, according to Realtor.com data from September 4, 2026.

What that means for you:
✅ More homes to compare
✅ More opportunity to find the right fit
✅ Less pressure to settle for the first option

But this is not a slow market. Homes are spending roughly 40 days on the market: about 20 days faster than the national average of 60 days.

Simple, Smart, Savvy guidance: More inventory gives you options, but staying pre-approved and ready to act still matters when the right home appears.

Want to talk through your buying plan? Message Sean or call (586) 630-2682. Learn more at michiganmortgagepro.com.

Market conditions vary by area and property. Information is for educational purposes only.

09/15/2026

Why do some Metro Detroit homes sell in days while others sit for weeks? 🏡

The market is moving at two speeds:

⚡ SPEED 1: Well-priced, move-in-ready homes in desirable locations are selling quickly: and may attract multiple offers.

🕒 SPEED 2: Overpriced homes, properties needing significant work, or listings that miss buyer expectations may sit longer.

Here’s what the latest data shows from RE/MAX of Southeastern Michigan, reported by WCSX/Michigan Chronicle:

📈 Median price: $348,625, up from $332,500 year over year
📅 Average days on market: 25, compared with 21 last year
🏠 Supply: 2.7 months

In Detroit, homes averaged 53 days on market, up from 44 a year ago.

The takeaway for buyers? Don’t mistake more inventory for less competition. The right homes are still highly competitive: but homes that have sat may give you more room to negotiate on price, repairs, or closing costs.

Want to know what today’s market means for your buying power? Let’s talk.

Sean: (586) 630-2682

09/11/2026

In Mid-Michigan, waiting until after you find the right home to get pre-approved could cost you valuable time.

Jeff Burke’s August data shows a $259,000 median sales price, 17.7% year-over-year price growth, and homes selling in a median of just 7 days.

For Lansing-area buyers, pre-approval helps you:
• Understand your realistic budget
• Move quickly when the right home appears
• Present a stronger, more credible offer

Before you start touring, be ready with:
✓ Income and asset documents
✓ A credit review
✓ Estimated cash to close
✓ Your target monthly payment
✓ Questions about inspection, financing, and other contingencies

Important: Pre-approval does not guarantee final approval, an accepted offer, or a winning bid. Values, eligibility, loan terms, and approval depend on the borrower, property, and program.

Want to know what you may qualify for before you shop? Let’s make your plan Simple, Smart, and Savvy.

Sean: (586) 630-2682
michiganmortgagepro.com

Address

235 N Groesbeck Highway Suite 300
Pontiac, MI
48043

Website

https://michiganmortgagepro.com/, https://2566773.my1003app.com/2113869/register?time=1771355165774

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