Home Purchase
Explore primary residence, second-home and eligible investment purchases with an individual lending plan.
ROJERS DANKHA · SENIOR LOAN OFFICER · MICHIGAN
MAKE YOUR
NEXT MOVE
COUNT.
Home purchase. Refinancing. Equity. Investment. Strategic mortgage solutions built around you—never a one-size-fits-all approach.
01 Michigan rooted02 20+ lender relationships*03 Nationwide platform*
ROJERS DANKHA Senior Loan Officer
THE RIGHT STRATEGY.
THE RIGHT NEXT STEP.
THE RIGHT NEXT STEP.
A LITTLE ABOUT ME
More than a mortgage.
A relationship.
I'm Rojers Dankha, a Michigan-based Senior Loan Officer working with PBT Bancorp / Peoples Bank & Trust. I help homebuyers, homeowners and real estate investors understand their options and make informed mortgage decisions.
My approach is built on hard work, honesty, and doing right by people. I believe a mortgage is more than a transaction — it's an opportunity to build stability, create options, and move closer to financial freedom.
You'll get straightforward explanations, responsive communication, and someone who takes your goals seriously from our first conversation through closing.
With access to more than 20 lending relationships, I can compare available lender and program options to help you evaluate rates, terms and costs. The lowest rate or overall cost is not guaranteed, and available products depend on your qualifications and lender criteria.
✦Integrity firstClear answers, no pressure
✦Driven to deliverFocused on the details
✦People over paperworkService that feels personal
THE ROJERS STANDARD / 01
THE LOAN MATTERS.
THE PEOPLE MATTER MORE.
NOT EVERY LOAN IS BUILT THE SAME.
Mortgage solutions.
Built around you.
From your first purchase to a strategic refinance, we can review available loan programs and identify options that fit your situation. All financing is subject to eligibility, availability, and approval.
Rate & Term Refinance
Review current terms, potential interest savings, monthly payments and closing-cost breakeven.
Cash-Out Refinance
Explore using available home equity for improvements, qualifying debt consolidation or major goals.
VA Home Loans
VA purchase, cash-out and eligible VA IRRRL refinance options for qualified military borrowers.
Conventional Mortgages
Flexible purchase and refinance options, including potential private mortgage insurance strategies.
FHA Home Loans
Government-insured financing for eligible buyers and homeowners, subject to program standards.
USDA Rural Housing
Rural-area purchase options for eligible households and qualifying properties; some programs allow no down payment.
HELOC / Home Equity Line
Explore revolving home equity access with adjustable terms, draws and payment options.
HELOAN / Fixed Equity Loan
Compare lump-sum second-mortgage financing while potentially keeping your first mortgage.
DSCR Investor Loans
Investor financing focused on qualifying property cash flow and rental-property scenarios.
Non-QM / Bank Statement
Alternative-documentation programs for qualifying self-employed and other eligible borrowers.
Investment Cash-Out
Explore equity access on eligible investment properties, including rental portfolios.
Hybrid ARM Options
Evaluate available adjustable-rate mortgages with fixed introductory periods and future resets.
Purchase Incentives
Discuss eligible lender credits, seller-paid costs and temporary buydown opportunities.
1–0 Temporary Buydowns
A temporary buydown may reduce the effective first-year payment on eligible loans; later payments increase as disclosed.
3–2–1 Temporary Buydown
For eligible purchases, upfront-funded payment assistance may lower the effective payment in years 1, 2 and 3 before the full note-rate payment begins in year 4. Program and funding requirements apply.
Jumbo & Specialty Financing
Explore eligible higher-balance and specialty mortgage structures subject to lender guidelines.
BUY SMARTER
Purchase strategies.
More ways forward.
Financing can involve more than the headline rate. I'll help you compare qualifying purchase assistance, available credits and loan structures with full cost disclosures.
01 / PURCHASE
1–0 Temporary Buydown
An eligible temporary interest-rate reduction for the first year of certain qualified loans, funded by an acceptable party. Payment and rate terms vary.
02 / PURCHASE
3–2–1 Temporary Buydown
For eligible fixed-rate purchase loans, an approved seller, builder or other permitted source may fund a buydown account: year-one payments calculated at 3 percentage points below the note rate, year-two at 2 points below, and year-three at 1 point below. The full note-rate payment applies beginning in year four. This is not a change to the note rate, and underwriting may use the full payment. Subject to lender approval and program limits.
02 / DOWN PAYMENT
Down-Payment Possibilities
Review eligible FHA, VA, USDA, conventional and location-specific assistance programs based on property, borrower and lender criteria.
03 / CLOSING COSTS
Seller & Lender Credits
Explore permitted credits toward applicable closing costs while comparing the total cost of the loan and any tradeoffs.
Incentives are not guaranteed, may not be offered by every lender or in every state, and are subject to program restrictions, eligibility, underwriting and applicable contribution limits.
PREPARE WITH CONFIDENCE
What documents
will I need?
Select your financing program and we'll show you a practical checklist so you can prepare before underwriting. This is a typical starting list; your final list may differ based on income, property type, lender and program.
PROGRAM DOCUMENT CHECKLIST
Purchase Home Loan
Typical documents to prepare
Additional documents, when applicable
Submit documents only through our employer-approved secure portal. Never email SSNs, full bank statements, tax returns, driver's licenses, or other sensitive personal documents to a public contact form. The checklists are informational and are not an exhaustive or guaranteed lender requirement.
A CLEAR PATH FROM START TO FINISH
Your mortgage journey.
Step by step.
From applying through signing your closing package, I'll help you understand what happens next and what your lender needs. Timing and steps depend on your loan program and lender.
01
Complete your application
Tell us about your financing goals and submit a secure application through the approved lending portal. We'll review the information and available loan options.
02
Submit supporting documents
After applying, upload your requested income, identity, property and financial documents securely. Your specific checklist depends on the loan program. Documents are not required before a Loan Estimate can be issued on covered mortgages.
03
Review your Loan Estimate
Compare the estimated rate, payment and closing costs. For covered loans, the lender generally issues a Loan Estimate within three business days after receiving the six required application details, even if supporting documents are still outstanding.
04
Review disclosures & proceed
Compare options and tell the lender whether you intend to proceed. Review and sign or acknowledge the required documents as applicable.
05
Processing & underwriting
Underwriting reviews income, credit, assets, title, occupancy and loan eligibility. If the initial review is conditional, we'll help you address the outstanding requirements.
06
Appraisal or valuation, if needed
Some programs require an appraisal or alternate property valuation; others may qualify for an appraisal waiver. The lender can order valuation earlier in the process when appropriate.
07
Final approval & closing figures
Once all conditions are satisfied, the lender prepares final closing documents. On covered loans, you generally receive a Closing Disclosure at least three business days before consummation.
08
Sign, close & fund
Review and sign your closing package with the settlement agent or notary. Funding and disbursement depend on the transaction and any applicable rescission period.
Important disclosure difference: HELOCs and certain other loan types follow different disclosure requirements and will not use the standard Loan Estimate / Closing Disclosure timeline.
In-house processing support: Our team coordinates documentation, lender submissions and outstanding conditions to help keep files moving efficiently. Some straightforward loans may close in approximately 1–2 weeks when eligible and fully documented; timing depends on lender, product, appraisal, title, underwriting, disclosure periods and borrower responsiveness. This is not a guaranteed closing timeframe.
LOOKING AHEAD
A home is more than
an address.
It's where chapters begin, families grow, and wealth can be built over time. Let's find a financing strategy that fits your next move.
CLIENT EXPERIENCE
Built on trust.
Earned through service.
Client feedback showcase
Illustrative examples only — not actual client reviews. Replace these with independently verified, permissioned testimonials before launch.
“Rojers explained each step clearly and always made time for my questions. The whole process felt personal and organized.”
— Sample testimonial A (fictional)
— Sample testimonial A (fictional)
“Great communication throughout our home purchase. We understood our options and felt prepared from start to closing.”
— Sample testimonial B (fictional)
— Sample testimonial B (fictional)
“Responsive, professional, and focused on finding financing that matched our goals.”
— Sample testimonial C (fictional)
— Sample testimonial C (fictional)
Feedback is emailed for review; it is not automatically posted publicly.
YOUR NEXT MOVE STARTS HERE
Let's make a
plan together.
Tell me a little about your goals, and I'll help you understand your next step — whether you're ready to apply or just exploring the possibilities.
CALL OR TEXT(248) 709-5771
WORK EMAILrdankha@pbtbmortgage.com
LOAN OFFICERRojers Dankha · NMLS #2699967
OFFICEMichigan-based · Serving eligible borrowers nationwide*
OUR BANKPBT Bancorp · Official Website ↗
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This is a general inquiry only, not a mortgage application. Never send SSNs, income documents, account numbers, or sensitive financial information through this form.