When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Nella Butchbaker | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

William T.

COLDWATER, MI, Mar 18, 2025, 3:45 PM

Nella is the best. She went up and beyond what was expected. Her customer service skills are the best. She walked us thru everything, even coming to our home to help with some computer work. We will highly recommend Nella to anyone looking for a mortgag.

askyfullofstars

Coldwater, MI, Nov 23, 2024, 11:47 AM

The communication was very excellent.Thank you

Veanna S.

Coldwater, MI, Jul 31, 2026, 3:15 PM

We always have a great experience with Nella! She is always thinking of us and looking out for the best opportunity for our family. Nella is always friendly, quick & knowledgable and we appreciate all of her hard work. We recommend her any chance we get!

Chaz S.

Coldwater, MI, Jul 30, 2026, 3:41 PM

Nella kept us inform for everything that was going on. She went above and beyond to make sure we were completely satisfied with everything!

Travis James N.

Sturgis, MI, Jul 12, 2026, 7:03 PM

I noticed but not surprised, that Nella is a straight up badass at what she does for her profession!!!

Angelica R.

Coldwater, MI, Jun 9, 2026, 8:06 AM

Nella is amazing

Samantha N.

ANGOLA, IN, May 28, 2026, 3:25 PM

Nellas communication was amazing and made the process of buying a home quick and easy. She and her team were great!

William T.

COLDWATER, MI, Mar 18, 2025, 3:45 PM

Nella is the best. She went up and beyond what was expected. Her customer service skills are the best. She walked us thru everything, even coming to our home to help with some computer work. We will highly recommend Nella to anyone looking for a mortgag.

askyfullofstars

Coldwater, MI, Nov 23, 2024, 11:47 AM

The communication was very excellent.Thank you

Veanna S.

Coldwater, MI, Jul 31, 2026, 3:15 PM

We always have a great experience with Nella! She is always thinking of us and looking out for the best opportunity for our family. Nella is always friendly, quick & knowledgable and we appreciate all of her hard work. We recommend her any chance we get!

Chaz S.

Coldwater, MI, Jul 30, 2026, 3:41 PM

Nella kept us inform for everything that was going on. She went above and beyond to make sure we were completely satisfied with everything!

Travis James N.

Sturgis, MI, Jul 12, 2026, 7:03 PM

I noticed but not surprised, that Nella is a straight up badass at what she does for her profession!!!

Angelica R.

Coldwater, MI, Jun 9, 2026, 8:06 AM

Nella is amazing

Samantha N.

ANGOLA, IN, May 28, 2026, 3:25 PM

Nellas communication was amazing and made the process of buying a home quick and easy. She and her team were great!

Lori R B.

Coldwater, MI, May 15, 2026, 6:42 PM

Nella is excellent in every way during the process! We have used her many times and she always exceeds and meets our expectations 100%!

Jeffrey B.

Coldwater, MI, May 15, 2026, 4:11 PM

Nella......

James C.

Angola, IN, May 10, 2026, 5:41 PM

Nella was excellent to work with, always on top of messages, answering any questions we had! She went above and beyond.

Jerry B.

COLDWATER, MI, Apr 11, 2026, 4:54 PM

Working with Nella is always such a pleasure! She is incredibly knowledgeable and helpful every step of the way. She truly goes above and beyond—she’s the best!

Anthony H.

Albion, MI, Apr 1, 2026, 11:59 PM

Being my first time in the whole process Nella just made everything really easy and simple

Steven J C.

Sturgis, MI, Mar 26, 2026, 1:04 PM

Nella is the best. She is kind, intelligent, and hardworking. We were happy to work with her again with our refi after she assisted last year in our home purchase.

Marina R B.

Fennville, MI, Mar 13, 2026, 12:13 AM

Everything went very smoothly. Website is easy to navigate and all of our questions were answered right away.

Danielle P.

Hillsdale, MI, Feb 16, 2026, 4:05 PM

Nella was very quick and helpful with the whole process. I couldn't of asked for more. I will use her again in the future.

Lori R B.

Coldwater, MI, May 15, 2026, 6:42 PM

Nella is excellent in every way during the process! We have used her many times and she always exceeds and meets our expectations 100%!

Jeffrey B.

Coldwater, MI, May 15, 2026, 4:11 PM

Nella......

James C.

Angola, IN, May 10, 2026, 5:41 PM

Nella was excellent to work with, always on top of messages, answering any questions we had! She went above and beyond.

Jerry B.

COLDWATER, MI, Apr 11, 2026, 4:54 PM

Working with Nella is always such a pleasure! She is incredibly knowledgeable and helpful every step of the way. She truly goes above and beyond—she’s the best!

Anthony H.

Albion, MI, Apr 1, 2026, 11:59 PM

Being my first time in the whole process Nella just made everything really easy and simple

Steven J C.

Sturgis, MI, Mar 26, 2026, 1:04 PM

Nella is the best. She is kind, intelligent, and hardworking. We were happy to work with her again with our refi after she assisted last year in our home purchase.

Marina R B.

Fennville, MI, Mar 13, 2026, 12:13 AM

Everything went very smoothly. Website is easy to navigate and all of our questions were answered right away.

Danielle P.

Hillsdale, MI, Feb 16, 2026, 4:05 PM

Nella was very quick and helpful with the whole process. I couldn't of asked for more. I will use her again in the future.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

With over 11 years of experience in the mortgage industry, I specialize in helping clients navigate the complexities of the home buying and refinancing process. Whether you're securing your dream home or looking to save through refinancing, my goal is to make the mortgage experience smooth and stress-free. I believe in educating my clients, offering personalized advice to improve their financial standing, and making informed decisions. I take pride in finding the right mortgage product for each unique situation, including conventional, FHA, and VA loans. When I'm not working, I enjoy running, spending time outdoors with my family and dogs, and challenging myself with new goals—like running a marathon!