You have bought a house before. This one is a different problem.

Michele Fulcher is a Mortgage Loan Originator at Priority Home Mortgage, NMLS #139088. She has spent 40 years in mortgage lending and has closed thousands of client loans. She was nominated to a Who’s Who list of loan officers two years running, closing roughly $40 million a year. From 2015 to 2017 she was President and owner of A.S. Financial Corporation, her own mortgage company. She works with experienced homeowners, first-time buyers, and real-estate investors across northern Michigan.

Yes. Michele Fulcher originated as Michele Sims for most of her career and changed her name when she married a few years ago. Same person, same NMLS number, #139088. Client reviews and records from before the change carry the Sims name.

Northern Michigan. She is based in the Fife Lake area and works across Grand Traverse, Kalkaska, Missaukee, Wexford, and Roscommon counties, including Traverse City, Fife Lake, Kalkaska, Grayling, Cadillac, Roscommon, Houghton Lake, Kingsley. She is licensed in Michigan and Florida. She serves clients across the region rather than from a storefront office.

Because on a second or third purchase the hard part is structure, not approval. Sequencing a purchase against a sale, deciding whether to keep the current house as a rental, pricing discount points against a break-even, and getting a condo or unusual property through review are all decisions made before underwriting, and they are where the money is.

Each loan program publishes guidelines and a rate matrix setting out what a file must contain. She reads them for your specific program so she can tell you which documents are needed and why, and request them at the start. That is what prevents a file stalling late over something that could have been handled in the first week.

FHA, VA, USDA, and conventional loans through Fannie Mae and Freddie Mac, plus down-payment-assistance programs matched to what you actually qualify for. She will also run payment and cash-to-close estimates on real listings before you write an offer, and refer an insurance agent early so you have a real quote to plan around.

Often, yes. A credit simulator projects which specific action moves your score and by how much, so you spend effort on the change that actually improves your pricing. Sometimes rescoring after a correction or a paydown is enough. Sometimes waiting is the cheaper answer, and she will say so. A simulator projects rather than promises; the credit bureaus decide the actual result.

Yes. A DSCR loan qualifies the property rather than the borrower: underwriting compares the rent the property brings in against the payment it has to cover. On most DSCR programs there is no employment verification and no personal income calculation, though requirements vary by program. It is useful when the write-offs that help you at tax time work against you in underwriting. Pricing and down payment differ from a primary-residence loan.

Yes, and there are three common reasons to. Keeping additional financed rentals off your personal debt load, holding liability inside the business for tax purposes, and staying anonymous to tenants who deal with a property manager. The entity structure itself is a question for your CPA and attorney; Michele handles the financing around it.

Yes. Northern Michigan has a real short-term-rental market, and the financing follows the exit you plan at the outset. Note that rules are local: Traverse City licenses vacation rentals and restricts them by zoning district, so confirm the specific parcel before counting on that income.

Look up NMLS #139088 on the public NMLS Consumer Access registry. Her low number reflects how early she registered. Priority Home Mortgage is a dba of PFN Lending Group, Inc., company NMLS #103098.

After hours and on weekends, because that is when offers get written. She will also speak to a listing agent on your behalf to help your offer get accepted, and communicates by whatever method works best for you and the other parties in the transaction.