The mortgage that texts back .

Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.

Andy and Frank Hempel, Senior Loan Officer's

The Mortgage Refs

Phone: (586) 883-5994

Email: [email protected]

NMLS# 1905798

Company NMLS# 2273319

Licensed in: MI

Home

Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.

The mortgage that texts back .

Why buyers text us first.

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Mortgage Payment Calculator

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What clients wrote.

Start the conversation.

We're on it.

See how much you could save.

Current mortgage rates.

Loan programs

Pre-approval built like a conversation, not a call center. Real numbers in about 90 seconds, a same-day letter when you’re ready, and a licensed human on the other end.

250+ buyers closed since 2020

Can I actually afford a house?

Let’s find out — 3 questions, 90 seconds.

No hard credit pull. No phone tag. Just real numbers.

ok — let’s go

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Eight programs, zero jargon. Open the one that sounds like you.

Estimate your monthly payment, including taxes, insurance, and PMI.

Loan term

Estimated monthly payment

You're all set!

We'll send your numbers over and follow up personally.

We'll email your full breakdown with today's real rates and next steps. No obligation.

Four recent reviews of , shared word for word from Google.

Prefer to call or text? Frank · or Andy · .

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Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.

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Replies 9am–6pm Eastern Standard Time, seven days a week.

Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.