1Rate 6.625% with an APR of 6.776% as of 7/3/2025 10:25 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,537. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Almin Nuhagic
Sr Loan Advisor NMLS ID: 1270959
Grand Rapids, MI 49508
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
I have been a resident of Grand Rapids, Michigan for over 19 years. Since 2010, I have served this great nation with the Army National Guard. I continue to serve my neighbors here throughout Kent County by providing home mortgage services as a Flagstar Bank loan officer. From first-time homeowners to seasoned buyers or those looking to save with a refinance, I am here to help everyone with their home lending needs.
During my time off of work, I enjoy camping at state parks, fishing, and spending time with my family. I am a diehard Michigander and love volunteering in our community. I am strong believer in local comes first, and always look forward to meeting new faces and building long-term relationships.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Renovation Loans
- Second Homes
- USDA Rural Housing
- VA Government Loans
Client Testimonials
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.625% | 6.776% 1 |
| 15-Year Fixed | 5.625% | 5.902% 2 |
| FHA 30-Year Fixed | 5.750% | 6.664% 3 |
2Rate 5.625% with an APR of 5.902% as of 7/3/2025 10:25 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,977. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.750% with an APR of 6.664% as of 7/3/2025 10:25 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,425. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Sr Loan Advisor NMLS ID: 1270959
Grand Rapids, MI 49508
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