Cooper Morter · Honest Mortgage

Mortgage advisors for life.

I'm Cooper. I'll get you the right loan for this house, with no junk fees in Section A. And when you're ready for the next one, I'll still be the guy you call.

Start a conversation Call Cooper (248) 807-3942

Licensed Mortgage Advisor, NMLS #2581160. Evening calls are fine. Really.

Cooper Morter in a navy blazer, smiling, outdoors

No junk feesin Section A of your loan
$2,000–$2,500what clients typically keep in their pocket
11wholesale lenders I can shop
Hundredsof loan products, not one or two
9 PMstill a fine time to call me

Why the name is Honest.

Honesty isn't the first thing people expect from a mortgage company. A lot of folks have been burned.

My broker started this company in 2018 and named it Honest Mortgage on purpose. He wanted you to know where we stand before we ever say a word. That comes from our Christian background and the way we try to live, not from a marketing meeting.

Day to day it looks pretty ordinary. We don't mislead you. We tell you what the loan will really cost. You don't get to the closing table and find out you owe more than you expected.

Cash up front

No junk fees in Section A.

Section A of your Loan Estimate is "Origination Charges." It's what the lender charges you to make the loan, and it's where a lot of padding hides: extra fees, points you didn't ask about.

We keep that section clean. For most of our borrowers that means about $2,000 to $2,500 stays in their pocket instead of going to fees and surprise points.

Got a Loan Estimate from somebody else? Send it over. I'll go through Section A with you line by line, no strings.

Send me your Loan Estimate

Underquote and overdeliver

I'd rather give you a longer number and beat it.

When I tell you how long something will take, I pad it. Then we work to come in early. Two examples from how we usually run:

Appraisal

What I tell you

14 days

When it usually gets done

7 days

Loan, start to close

What I tell you

30 days

When it usually gets done

21 days

Every file is different, so these aren't promises. What I can promise is that I'll be straight with you about your timeline from the start.

Our honest policy

If there's a cheaper or better way, we'll be the first to tell you.

Maybe a different program saves you money. Maybe waiting a few months gets you a better deal. You'll hear it from us first, even when you didn't ask. That's the job.

We answer when banks don't

7, 8, 9 PM

A bank calls you back between 8 and 5. If you're stuck on financing, or somebody already told you no, I'll call you at 7, 8, 9 at night and we'll work through your situation.

Call Cooper

Advisors for life

We don't disappear after closing.

Most lender and realtor teams are done with you once you have the keys. We're not built that way. I want to know what you're planning. The next house? A rental someday? Then I can advise you on this purchase with the next one in mind.

1
This purchase
The right loan and the real numbers, start to finish.
2
The years after
If a refinance or a HELOC makes sense, I'll tell you. If it doesn't, I'll tell you that too.
3
The next one
A bigger house or a rental. You start with someone who already knows your story.

Loan options

A bank sells its own loans. I get to shop.

We're a brokerage. That means I'm looking at hundreds of products across 11 different wholesale lenders, not the one or two a bank has on the shelf.

Conventional and government loans are great for most people. But if you own your own business, or you're buying a rental, there's often something that fits you better.

Conventional: The standard loan for most buyers. Usually the first thing I price.
Government loans: FHA, VA and other government-backed programs for buyers who qualify.
Investment property: For buying a rental or adding to the ones you have.
Self-employed and bank statement: Own your business and your tax returns don't tell the whole story? There are loans for that.
HELOC: Borrow against a house you already own.
Refinance: Want a lower payment or some cash out? I'll run it and tell you if it's worth it.

All loans are subject to credit approval, underwriting and qualification. Not every borrower will qualify for every program.

Where we work

Five states. Two offices.

Honest Mortgage is licensed in Michigan, Ohio, Tennessee, South Carolina and Florida. We have offices in Michigan and South Carolina, and anywhere else in those states we can do it all by phone or video.

MIMichiganOffice7077 Fieldcrest Drive, Suite 300, Brighton, MI 48116
SCSouth CarolinaOffice[South Carolina office address]
OHOhio
TNTennessee
FLFlorida

Meet Cooper

Hi, I'm Cooper Morter.

I live in Greenville, South Carolina, with my wife, Michaela. I studied business in college and later earned a Master's in Biblical Counseling. The first one helps with the numbers. The second one shapes how I treat the people behind them.

I do my best work with first-time buyers who want someone to explain it all patiently, and with investors who just want the straight math. If you're somewhere in between, that's fine too.

We're not your traditional lender and realtor team. I'd like to be your mortgage advisor for life.

Phone(248) 807-3942
Emailcooper@honestmortgage.com
NMLS#2581160

Tell me what you're working on.

Maybe you're ready to buy. Maybe you just want to know what you can afford. Send me a few details and I'll call you back myself. Evenings included.

Rather talk now?

(248) 807-3942 cooper@honestmortgage.com