Get a mortgage you can rave about
Helping homebuyers in MI, FL and TX find the perfect loan — with clarity, care, and confidence.
Meet Derek Adair
Your trusted mortgage partner for every stage of homeownership.
With years of experience helping families and individuals navigate home financing, I’m dedicated to making the mortgage process simple, transparent, and stress-free. Whether you’re buying your first home, refinancing, or building new, I’ll work to find the best solution for your unique goals.
Based in Rochester, MI
NMLS #2012353
Licensed in MI, FL, TX
Every homebuyer has a different story. Let’s match you with the loan that fits yours.
Find the Right Loan for You
Mortgage Products
Let’s Match Your Needs with the Right Loan
Explore a variety of loan options designed to fit your goals, budget, and lifestyle. Whether you’re buying your first home, refinancing, or building from the ground up — we’ll help you find the perfect mortgage solution.
Conventional Loans
Ideal for borrowers with solid credit and a stable income, conventional loans offer competitive rates and flexible terms to fit your financial plan.
USDA Loans
With zero down payment and favorable terms, USDA loans make it easier to purchase a home in eligible areas outside city limits.
FHA Loans
Enjoy smaller down payments, more forgiving credit requirements, and often lower interest rates — making homeownership more attainable.
Rehab Loans
Combine the cost of purchasing and renovating your home into one convenient loan — ideal for properties that need a little extra love.
VA Loans
Designed for U.S. military members, veterans, and eligible spouses, VA loans feature low to no down payment and no private mortgage insurance (PMI).
New Construction Loans
Get financing tailored for custom home construction, from breaking ground to move-in day — with expert guidance every step of the way.