Start the conversation — no hard credit pull, no phone tag. A licensed advisor usually replies within about 11 minutes during business hours.
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
Start the conversation — no hard credit pull, no phone tag. A licensed advisor usually replies within about 11 minutes during business hours.
Loan programs
One message starts it. No hard credit pull, no call-center hold music, no obligation to do anything but read the reply.
Delivered.
Thanks — we’ll reach out shortly. During the day that usually means minutes, not hours.
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Your message goes to — not a lead list, not a dialer queue. Sending it does not pull your credit.
Direct lines
Reply hours
Mon–Fri 9:00am – 6:00pm
Saturday 9:00am – 6:00pm
Sunday 9:00am – 6:00pm
All times are Eastern Standard Time. Under contract with a deadline? Mark it urgent — we’ll prioritize it during these hours.
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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.