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MURRAY MORTGAGE SOLUTIONS

Independent. Transparent. Trusted.

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At Murray Mortgage Solutions, we treat financing as a strategy for long-term financial success. We’ve built a transparent and efficient process that eliminates hidden fees and unnecessary complexity, making your mortgage experience smooth and hassle-free. As an independent Mortgage Broker, we leverage access to multiple lenders to offer you competitive rates and customized options that meet your unique needs.

 About Us →

Choose Your Path

No matter what stage you're at, our ClearPath™ application process makes it simple, transparent, and personalized. Select from one of the following options below or visit our How To Apply page to learn more.

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✅ Input several key factors regarding the loan

✅ Takes 1 minute to complete

✅ Receive a personalized rate quote and closing cost estimate in 30 minutes

✅ No credit check required

Protected with bank-level security

✅ Create an account and complete an application

✅ Takes 5 minutes to complete

✅ Receive a customized rate quote and closing cost estimate within 30 minutes

✅ Soft credit inquiry only (no impact on score)

Protected with bank-level security

✅ Create an account and complete an application

✅ Takes 5 minutes to complete

✅ Receive a customized interest rate, the loan amount you may qualify for and hands-on guidance for how to prepare for Pre-Approval

✅ Soft credit inquiry only (no impact on score)

Protected with bank-level security

✅ Create an account, complete an application and upload income, asset and other required documentation

✅ Takes 10 minutes to complete

✅ Once complete, schedule a Pre-Approval Review meeting with your Loan Officer

✅ Receive a certified Pre-Approval Letter 

✅ Hard credit check required (valid for 90 days)

Protected with bank-level security

WHY US?

#1

Lower Interest Rates and Fees

The Mortgage Broker model for obtaining financing revolves around two main factors. Our ability to access lending through Wholesale Mortgage Channels and our ability to take one application and shop at multiple lenders. These factors not only allow brokers to bypass retail markups, but also provide you with more options, delivering lower rates and fees directly to you. Learn More →

#2

Independence

We work for you, not the Bank or Lender. We’re not beholden to corporate sales quotas designed to close as many loans as possible regardless of what’s in your best interest. We’re transparent, objective and focused on ensuring we match our clients with the best product available. Independence also means we have a much wider variety of options to choose from. Learn More →

#3

Speed

Our state-of-the-art loan origination technology and focus on automation allows us to streamline the entire mortgage process while maintaining a highly personalized experience. This ensures your loan not only closes on time, but ahead of schedule. Our average Closing time is 10 business days or less.  Learn More →

#4

Convenience

We don't just simply match you with a Lender. We're also licensed Loan Officers who fully originate the loan through the Lender on your behalf. We perform every function the Loan Officer/Mortgage Banker would have, had you gone directly to the Bank or Retail Lender. The difference is that we do it for cheaper, faster and more conveniently. We work around your schedule and are available 24/7 to ensure a smooth experience from start to finish. Learn More →

#5

Mortgage Expertise

We’re mortgage experts, not salespeople. We aren't trained to sell only certain mortgage products for one company, we hold a wide range of mortgage knowledge and tools that we use to capitalize on the best financing option available. We also have access to a vast network of Realtors, Underwriters, Closers, Appraisers and Title Companies, so there’s never a question we can’t answer. Learn More →

#6

Financial Expertise

The Founder of Murray Mortgage Solutions, Ryan Murray, CFP®  started the company with a specific goal in mind. Create a Mortgage Brokerage that truly focuses on the impact mortgage financing and real estate ownership have on his client’s long-term financial goals. As a CERTIFIED FINANCIAL PLANNER TM Practitioner, he uses his experience and knowledge to determine the deeper financial impact and identify the best strategy to achieve your goals. Learn More →

#7

Transparency

The core of our business model is based on a strong focus and commitment to transparency. Every aspect of our operations is designed to ensure our clients have access to the tools and information needed to fully understand the Mortgage process and how it impacts them financially. It also means that if we can’t provide the best financing solution for your goals, we’ll gladly refer you to someone who can. Learn More →

Explore Loan Options

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Conventional

A conventional loan meets Fannie Mae and Freddie Mac guidelines and is best suited for borrowers with strong credit profiles.

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First-Time Homebuyer

First-time homebuyer programs provide lower interest rates, reduced down payment requirements, and financial assistance options.

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VA

VA loans provide eligible veterans and service members the ability to purchase or refinance with no down payment.

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FHA

An FHA loan is insured by the Federal Housing Administration and is often used by buyers who may not meet conventional underwriting guidelines.

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USDA

USDA loans are designed for eligible rural homebuyers, offering competitive rates and the potential for no down payment.

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Down Payment Assistance

Down payment assistance programs help qualified buyers reduce upfront costs, with options varying by lender and location.

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Investment Property

Investment property loans offer financing for rental and income-producing properties, requiring careful financial planning.

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New Construction

One-Time Close (OTC) New Construction loans finance the land and construction, converting to a fixed mortgage upon project completion.

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Jumbo

Jumbo loans exceed conventional loan limits and require strong credit and financial qualifications for approval.

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Manufactured Home

Manufactured home loans allow you to finance the purchase of a manufactured home, with options available through FHA, Conventional, or USDA loans.

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Reverse Mortgage

Reverse Mortgages allow homeowners aged 62 or older to convert home equity into cash without making monthly mortgage payments, using FHA-backed guidelines.

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DSCR

Debt Service Coverage Ratio (DSCR) loans allow investors to qualify for financing based on the rental income of the property rather than personal income verification.

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Specialty

Some lenders offer unique loan programs designed to meet specific financial goals that fall outside traditional mortgage options.

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Renovation

Renovation Loans allow you to finance both the purchase of a home and the cost of its improvements in one convenient loan, making home upgrades easier and more affordable.

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Adjustable Rate (ARM)

Adjustable Rate Mortgages (ARMs) offer lower initial interest rates that adjust periodically based on market conditions.

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Non-Warrantable Condo

Non-Warrantable Condos don’t meet Fannie Mae or Freddie Mac guidelines, making them ineligible for conventional financing.

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Bank Statement

Bank Statement Loans provide flexible financing solutions for self-employed borrowers by using bank deposits to verify income instead of traditional tax returns.

Offices

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Detroit

200 Edmund Pl Unit 308

Detroit, MI, 48201

Petoskey

3890 Charlevoix Ave #195C

Petoskey, MI 49770

Service Areas

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Michigan

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Colorado

Palm Trees

Florida

Learning Center

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The Complete Homebuyer Guide

This step-by-step guide walks you through the full homebuying process, from getting started to closing day.

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What Is A Mortgage Broker?

There’s a reason the vast majority of consumers don’t truly know what a Mortgage Broker is or how they operate.

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How Do Mortgage Brokers Offer Lower Rates and Fees?

Breaking down exactly how a Mortgage Broker can offer lower interest rates and fees.

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Mortgage Rate Factors Explained

Analyzing the factors that effect mortgage rates for both individual borrowers and the lenders themselves.

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Understanding Mortgage Points

Everything you need to know about Origination Points.

What Our Clients Say

"Ryan, of Murray Mortgage Solutions, was amazing to work with from start to finish!"

"The Pre-Approval process with Murray Mortgage Solutions was super fast and easy."

"Ryan’s company was instrumental in me becoming a home owner."

Mortgage Calculators

Conventional Calculator

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USDA Calculator

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FHA Calculator

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Reverse Mortgage Calculator

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VA Calculator

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