"Home Is Where Your Heart Is"
​Find Your Happy Place... And We'll Mak​e It a Reality
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248-438-8192

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​Buying a home is a personal and emotional experience that can be complex and sometimes overwhelming. It's where you begin a new chapter and becomes a part of your identity. For some it's where you put down roots and raise your family. That's big!

How We Can Help You

THE MORTGAGE EXPERT: With over 20 years of experience, I can help you save hundreds - perhaps thousands on home financing. By combining creative financial strategies with a wide range of mortgage options, I promise to provide high value while contributing to the success of your long-term financial goals. Anyone can quote rates and fees, but it takes asking the right questions, insider experience, listening, understanding, and proper planning to tailor the best overall loan strategy for you and your family.

THE STRATEGY: My long-time loan practice is comprised of nearly all REFERRAL and REPEAT clients. Unlike so many others who "advertise for leads", my team and I have to deliver the goods (rates, costs, service) time and time again or OUR phone will stop ringing. We truly rely on our many satisfied clients and business partners for new business.

THE IDEAL CLIENT: Those wanting guidance, experience, and expertise to find the right home-loan. We, of course, help many "cookie cutter" clients, but we ALSO take great care of the "other folks" so often overlooked, underserved and misinformed. Many times these clients are: Self-Employed Business Owners * Retired or Limited Income w/Sizable Liquid Assets * Previous Bankruptcy or Foreclosure * Less than Perfect Credit * Denied Elsewhere * Seeking a Second, Expert Opinion * or Various Other Unique Circumstances

THE OPTIONS: Great Rates and Expert Solutions for Conventional, FHA, VA, USDA, MSHDA, Jumbo, and Renovation 203k loans. 

Our Services We Offer

  • Specializing in Divorce Lending
  • Complimentary Consultations
  • Pre-Approvals for Confident Home Shopping
  • Pre-Sale Mortgage Review & Credit Analysis
  • No Cost, No Fee Mortgages 
  • Idle Equity Utilization Strategies
  • High Net Worth Loan Programs
  • Housing & Mortgage Reviews

Our Commitment To You
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  • Providing you with the education and options to make informed decisions
  • Great mortgage rates with low fees
  • Experience personal service and local underwriting
  • Pledge to help you overcome roadblocks that can arise while securing a loan
  • Fast and efficient, we close most of our loans in 30 days or less

​"Fostering a Community of Wealth-Minded Homebuyers & Homeowners"

Trusted Advisors With A Proven Record
If It Doesn't Make Sense... ​We Just Don't Do It
Richard Witter
The mortgage expert
CERTIFIED DIVORCE ​SPECIALIST

​NMLS# 134026
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  • Over 25 Years Experience in Mortgage Lending
  • GMI Graduate - Industrial Systems Engineering
  • Novi Chamber Member
  • Veterans Advocacy & Benefits Association Member
  • Certified Divorce Lending Professional
  • Helped Thousand's of Happy Homeowners
  • 100% Loan Approval Rate Since 1995
  • Licensed Real Estate Broker & Residential Builder​​
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RWitter@ExpertLoanAdvice.com
​Office:  (248) 438-8192
Cell:     (248) 974-6379
Fax:     (248) 833-1130

Mortgage 1 Inc.
We are the #1 FHA lender in Michigan with great Conventional and Jumbo rates.  All of our processing, underwriting, closing and funding happen in-house at our local offices.  We work directly with an appraisal management company to get fair and accurate appraisals for our clients.   Our staff has over 50 years of experience in the mortgage and real estate industry. We are confident in providing an exceptional home buying experience for anyone.  As a company, we adopt a “hands on” approach and work with you from beginning to end of the entire loan process. This allows us to get you the BEST RATES on all loan programs.