🏠Most Michigan Homeowners Don’t Know If Their Mortgage Still Makes Sense
Think You’re Stuck With a High-Rate Mortgage?
Take the 60-Second Refi Readiness Check.
See if you could lower your payment, pay off your home faster, or safely use your equity — before filling out a full application or talking to anyone.
No spam. No hard credit pull. Just clarity.
Benefits
Why take this quiz?
Because most buyers don’t get clear answers until they’ve already wasted weeks.
This quick assessment helps you:
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See if your current rate and payment still make sense
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Check if a lower payment is realistically possible
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See whether cash-out or a HELOC fits your goals
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Spot chances to remove PMI or FHA mortgage insurance
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Get a clear next step — not a sales pitch
Fast. Simple. Private.
How It Works (Takes Less Than 60 Seconds)
1
Answer a few questions
Nothing complicated.
2
Get your readiness Score
See where you stand.
3
Discover your next steps
Right on the screen.
How is this different?
Why This Refinance Assessment Works
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No jargon. Simple questions. Clear answers.
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No pressure. You control what happens next.
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No hard credit pull just to get your results.
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Built around your payment, rate, and goals — not generic advice.
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Designed by a local Michigan mortgage expert, not an offshore call center.
Most homeowners learn something useful in the first minute.
That’s the point—clarity first, then options.
No obligation. No credit check. Just clarity.
Trusted by Michigan home buyers and homeowners
Amazing job navigating the process
I worked with James as my mortgage broker in the process of buying my home back in November of 2008 right after the housing market imploded. James did an amazing job helping my wife and I navigate the challenging process of not only finding a good lender at that time, but also guiding us through the tumultuous closing process. I would recommend James strongly to anyone.
Made My Refinace Easy!
Jim, from Treeside Financial, answered my questions very quickly and accurately and was very easy to work with. He made the mortgage refinance process (more complicated with paperwork these days) as easy as possible.
Easy, Informed, and Always Reliable!
James was easy to work with on our mortgage refinance. He has done a good job keeping us up to date on other offerings, and we do plan to use his services, again.
Everything went smoothly and I was very pleased
I finished my loan process with James last month. Everything went smoothly and I was very pleased with the end results. James has attention to detail and puts his clients first. He takes the time to research and resolve anything that comes up. He’s also excellent at guiding clients through the process. I’ve recommended him to friends as I trust him.
Listen, Explain, and Puts My Best Interest First!
I was referred to Jim (at Treeside) by a good friend and colleague. I found him to be very easy to work with. He takes the time to listen and thoroughly explain various options that are in my best interest. James is someone that I call upon for all of my mortgage needs and I highly recommend him.
Knows the business and easy to work with!
James was my mortgage broker for my 2009 refinance. He was very easy to work with and truly knows the business. I hope to work with him again in the future!
Great Rates, Great Service—Twice!
I have refinanced with Jim (Treeside Financial) twice. He has great rates and does a good job.
Expert at explaining the all the options
Jim has done a great job working through mortgage finance options with me. I was nervous about an online mortgage, but Jim’s deep knowledge and expertise eased my fears.
Frequently asked questions
Who is this for?
Michigan homeowners who wonder, “Should I refinance, use equity, or leave this alone?”
Does this cost anything or lock me into working with Treeside Financial?
No. This assessment is free and doesn’t commit you to anything. You’re not applying for a loan — just getting clarity.
How long does it take and what will you ask me?
About 60 seconds. Just a few multiple-choice questions about your goals, current loan details, and some basic credit profile details.
No document uploads on the assessment. If you choose to apply later, we’ll tell you exactly what we need and why.
Do I need perfect credit?
Not always. We have loan programs available from many different lenders, which means we may have a program that accomplishes your goals.
Depending on your situation, we'll determine what your options are currently and the “next best step” — or a short plan to get there.
What happens after I get my score? Are you going to spam me?
After you answer the questions, you’ll see your Readiness Score and next steps right on the screen.
From there, you choose what happens next. If you want help, you can request a call with Treeside Financial. If not, you still leave with clarity and a plan.
Ready to See If Your Mortgage Still Makes Sense?
Take 60 seconds. Get clarity. Choose your next step.
No pressure—just clarity. Secure and simple.
