I have a mission: to under-promise and over-deliver in every aspect of my work and life. Whether I'm financing a business expansion, securing working capital for new construction, or answering a question for a potential client, I'm determined to succeed beyond anybody's expectation.

 After nearly 20 successful years in various roles at top mortgage companies, such as president, operations manager and recruiting manager, I could not pass up the opportunity to join forces with one of the best lending institutions in the United States, Flagstar Bank.

 Flagstar offers the programs and rates which I feel are essential in the ever-changing real estate market. I pride himself on my ability to keep my clients well-informed. That's a quality everyone appreciates.

Victor Bals Sales Manager, Sr. Loan Officer NMLS#162273
Highlands Residential Mortgage NMLS#134871
Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0021650

19900 E. Ten Mile Road

St. Clair Shores, MI 48080

Monday–Friday, 9am-5pm

Home, well, and septic inspections. 

2750 S State St | Suite 1 | Ann Arbor MI 48104