HOMEBUYING SIMPLIFIED
It is never to early to start the process. If you are considering buying a home in the future it is worth meeting with your lender. It doesn’t cost anything and the information you gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together for where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
We provide expert mortgage solutions designed to fit your financial goals. Our services include:
Whether you're a first-time buyer or upgrading to a new home, we offer customized loan options that fit your needs and budget.
Lower your interest rate, reduce your monthly payments, or access home equity with our tailored refinancing programs.
From rental properties to jumbo loans, we provide financing solutions to help you build wealth through real estate investments.
I was born and raised in Detroit, MI — and there’s truly nothing like helping people build their future in the same city that shaped me. Over the years, I’ve helped homebuyers, families, and investors navigate the lending process with confidence and clarity.
I got into this industry because I know firsthand how overwhelming buying a home can feel when you don’t have someone guiding you. Now, my mission is simple: make the mortgage process easy to understand, strategic, and stress-free — whether you’re buying your first home, refinancing, or growing your real estate portfolio.
Outside of mortgages, I’m focused on health, family, and building a life I love. When I’m not helping clients, I’m probably reorganizing my space, creating content, or working on becoming the healthiest version of myself. What truly sets me apart is my dedication. Every client gets honesty, care, education, and a strategy — not just a loan approval. You’re not just a file to me; you’re someone building a future, and I’m honored to be a part of that journey.
— Amber Shavers, MLO
Refinancing your mortgage can be a powerful financial tool, helping you improve your financial situation in several ways. Here’s how it can benefit you:
If interest rates have dropped since you took out your loan, refinancing can help you secure a lower rate, reducing your monthly payments and saving you money over time.
By refinancing, you can extend your loan term, reducing your monthly payment and making your mortgage more manageable within your budget.
A cash-out refinance allows you to tap into your home’s equity, giving you access to funds for home improvements, debt consolidation, or other financial needs.
If you want to pay off your mortgage faster and save on interest, refinancing to a shorter loan term (such as switching from a 30-year to a 15-year loan) can help you achieve that goal.
If you currently have an adjustable-rate mortgage (ARM) and want more stability, refinancing to a fixed-rate mortgage can provide peace of mind with consistent monthly payments.
If you initially put down less than 20% on your home, refinancing could help you remove PMI once you have enough equity, reducing your overall mortgage costs.
G E T N O T I F I E D W H E N R A T E S D R O P
The right mortgage is just a conversation away. Whether you’re looking to purchase, refinance, or invest in real estate, let’s work together to make it happen.
We’ve been making dream homes a reality for years, and we’re passionate about helping our customers achieve homeownership.
Amber Shavers with E Capital Mortgage Inc. | NMLS #1697522
