Tim OLeary

Southwest Michigan
Investor, Builder, Broker
269-313-2330
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Blog: Mortgage Information

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more


Tim O'Leary
Investor, Builder, Broker
Stevensville, Michigan 49127
tolearyrealestate@att.net
(269) 313-2330 Cell

Testimonials

Tim is the best! During a rough spell, I had to make a fast move from Indiana to Michigan. Housing in my price range was scarce. Tim kept me updated on new listings and got me in to see possibilities quickly. He worked so hard to find me what I needed. Once we found my little cottage, a miracle had to happen to get the mortgage and the closing date before I was without a house. Tim knew the right people to get it done. I got my loan and house right when I needed them. I highly recommend Tim if you’re looking for your special home. His personalized care made all the difference for me! Deb Clark, Benton Harbor Michigan
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