Jeffrey Marc Kaltz

307 East Street, ROCHESTER MI 48307

Get to know Jeffrey

With 19 years of experience, I bring expertise, integrity, and personal attention to every client. I don’t just quote rates—I guide borrowers with clarity and confidence from start to finish. Whether it’s a first home or a refinance, I make financing simple, transparent, and tailored to each client’s goals.

Why choose Jeffrey?

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Brokerage info

Questions? Jeffrey has answers.

We prompted questions to Jeffrey so you can learn more about their skills, preferences, and availability.

What should clients expect when working with you from start to finish?

Clear communication, honest guidance, and a smooth process from application to closing—every step handled with care, transparency, and a focus on your financial goals.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage it! The sooner we talk, the better prepared you’ll be. Early conversations help me build a strategy so you can buy with confidence when the time is right.

How do you provide rate quotes for clients who want to protect their credit score?

I can give an accurate rate estimate using a soft credit check or basic info like credit range, income, and goals—no impact on your score, and you still get the info you need.

What are your typical fees or lender costs?

Depending on your situation, fees can vary, some of our loans even have there are zero lender fees.

How do you support clients looking to improve their credit before applying?

I guide clients with personalized tips, credit-building strategies, and trusted resources—helping them improve scores and position themselves for the best loan options when they’re ready to buy.