MORTGAGES MADE SIMPLE.
Mortgage help in Novi. Personal from the start.
Buying, refinancing, or planning your next investment? Let’s make the financing feel manageable.
Lincoln Capital Funding is a family-owned mortgage brokerage based in Novi, Michigan. Marc Jappaya compares lending partners and works directly with buyers, homeowners, and investors through closing.
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Local roots. One person in your corner.
Lincoln Capital Funding is a small, family-owned mortgage brokerage based in Novi. Marc S. Jappaya opened the business in November 2024 after nearly a decade in the mortgage industry. You work directly with Marc from the first conversation through closing.
Marc shops your scenario across lending partners, compares available rates and fees, and explains the payment and cash needed at closing. A useful comparison considers the whole loan—not just the advertised rate.
A CLEARER PICTURE
Start with what you want to do.
A CLEARER PICTURE
A plan for buying in Novi.
Buying a condo, a newly built home, or moving from your current house? Discuss the property type and purchase timeline early. Condo eligibility, construction completion, appraisal timing, and proceeds from a home sale can each affect your financing plan.
Build the budget around the property you are buying. Ask for an estimate of property taxes after purchase and insurance for that home, and include any association dues. The seller’s current monthly payment is not a reliable estimate of yours.
We can coordinate with your agent and closing team, and discuss an in-person consultation when practical. You can also handle the process by phone and online. You can work with Marc wherever you are in Michigan, Florida, or Texas.
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Part of the community.
Marc and his family call Novi home. Lincoln Capital Funding supports local relationships and community events, and in 2026 donates $100 to the Novi Educational Foundation for every loan closed.
YOUR QUESTIONS. REAL ANSWERS.
Questions worth asking.
Can you help outside Novi?
Yes. General mortgage services are available throughout Michigan, Florida, and Texas. DSCR investment-property loans have a separate, broader service area. You do not need to live near Novi to work directly with Marc.
How do I choose a mortgage broker in Novi?
Verify licensing, compare written estimates for the same loan scenario, and ask who will answer your questions and manage your file. Read client experiences and discuss the timing of your purchase. At Lincoln, Marc remains your direct contact throughout.
Can we speak before I find a home?
Yes. Start with your questions about budget, down payment, or timing. Marc can explain the documents and next steps for a conditional preapproval.
Can I reach out on a weekend?
Yes. Marc is available seven days a week. Call (248) 830-7942 or book a conversation and share your deadline. Availability does not guarantee an immediate response or approval.
Do you help nearby communities?
Yes. Marc works with clients in Northville, Plymouth, Farmington Hills, Wixom, South Lyon, Commerce Township, West Bloomfield and across Michigan. In-person arrangements depend on location and scheduling.
A CONVERSATION IS A GOOD START
Let’s talk through your options.
Questions are welcome at every stage. Work directly with Marc, without pressure to apply before you’re ready.
Book a conversationPlease leave your phone number in the booking notes so Marc can call you.
Apply online →A CLEARER PICTURE
Sources & further reading.
Educational information. Loan availability and eligibility depend on lender and program requirements.