Purchase
Buying a home
Preapproval, loan programs, and knowing your real numbers before you tour a house.
Rochester, Michigan · Licensed statewide
With 
Brian & Lynn
Brian & Lynn Your mortgage broker in Rochester, Michigan.
We’re an independent mortgage brokerage right in downtown Rochester — a real office on Main Street, run by advisors who treat your mortgage like advice instead of a sale. Whether you’re buying your first home, moving up, or refinancing, we’ll show you honest numbers, lay out your options in plain English, and let you make the call. No pressure, no jargon, no games.
A real office on Main Street
You’ll find us at 322 S. Main St., Suite 230, in downtown Rochester, MI 48307. We’re a local business you can actually walk into — sit down, ask questions, and get straight answers from the person who’ll handle your loan. Prefer to do it by phone or email? That works too. The choice is yours.
Forward Mortgage
322 S. Main St., Suite 230
Rochester, MI 48307
Monday–Friday, 9:00 AM–5:00 PM, or by appointment
Local roots, statewide reach
We’re based in Rochester and know southeast Michigan well — but we’re licensed to lend across the entire state of Michigan. We regularly help buyers and homeowners throughout the area, including Rochester Hills, Rochester, Oakland Township, Auburn Hills, Troy, Novi, Canton, Farmington, Farmington Hills, and the surrounding communities, as well as clients anywhere else in Michigan who’d rather work with an advisor than a call center.
What we help with
Refinance
Refinancing
Honest break-even math, and we’ll tell you if it doesn’t make sense.
First-time buyers
Buying your first home
A patient, plain-English walk through your first purchase.
Specialty
Divorce-related mortgages
Brian is a Certified Divorce Lending Professional (CDLP) who specializes in the financing side of divorce.
Brian Mutter
Loan Officer · NMLS #1109257
Lynn Marie Oates
Loan Officer · NMLS #1495433
Advisors, not salespeople. Pick the person who feels right and reach out directly.
Why work with a local broker instead of a big bank
A bank can only sell you its own products. As an independent broker, we shop multiple wholesale lenders to fit the loan to you — which usually means more options and a better fit, especially if your income or credit doesn’t fit a neat box. And because we’re local, you’re not a ticket number in a national queue; you’re working with someone down the road who answers the phone.
Come say hello
The best first step costs you nothing: a conversation. Call or text (248) 956-0445, or stop by the Main Street office. We’ll lay out your numbers, answer every question, and let you decide what’s right.
Rochester mortgage FAQs
Where is Forward Mortgage located?
We’re in downtown Rochester, Michigan, at 322 S. Main St., Suite 230, Rochester, MI 48307 — a real office on Main Street, not just a name on a website. You can reach us by phone or text at (248) 956-0445. While we love meeting clients in person, we’re also set up to work with you entirely by phone, email, and secure online application if that’s easier for your schedule. And although our office is in Rochester, we’re licensed across the whole state of Michigan, so where you’re buying matters less than you might think.
Do I have to live in Rochester to work with you?
Not at all. We’re based in Rochester, but Forward Mortgage is licensed to lend across the entire state of Michigan, so we help buyers and homeowners well beyond our own backyard — including the surrounding communities like Rochester Hills, Oakland Township, Auburn Hills, and Troy, as well as clients across the rest of the state. Our office on Main Street is here for anyone who’d like to sit down face to face, but plenty of our clients handle everything remotely by phone, email, and secure online tools. What you get either way is the same: an advisor who answers the phone and treats your loan like advice, not a transaction.
Can I meet with a loan officer in person?
Absolutely — and you’re welcome to. You can sit down with us at our downtown Rochester office at 322 S. Main St., Suite 230, ask every question on your list, and get straight answers from the person who’ll actually handle your loan. We’d just suggest calling or texting ahead at (248) 956-0445 so we can make sure the right advisor is ready and has time set aside for you. Prefer not to come in? That’s completely fine. Many clients do the whole process by phone, email, and secure online application. In-person or remote, you work directly with your loan officer the entire way — never a call center.
What does a mortgage broker do that my bank doesn’t?
A bank can only offer you its own loan products, so you get whatever fits inside that one institution’s box. As an independent mortgage broker, we shop multiple wholesale lenders on your behalf and match you to the loan that actually fits your situation — which often means more options and better pricing, especially if your income, credit, or property type doesn’t fit a standard mold. We handle the comparison and the legwork; you get the choice. And because we’re local and independent, you’re not a ticket number in a national queue — you’re working with an advisor down the road who picks up the phone and stays with your file from the first conversation to closing.