The Best Mortgage Decisions Start With the Right Information.
Based in Grosse Pointe, we help business owners, investors, and families make smarter borrowing decisions — not just shop for rates. Founded by a CFP® professional to align your mortgage with your broader financial plan.
Local Expertise. CFP-Level Guidance
Most brokers focus on rates. We focus on fit. A mortgage touches your taxes, cash flow, and long‑term wealth — so we take an advisory approach before recommending any loan. You’ll see exactly how each option supports your bigger plan.
Complex Situations. Clear Local Solutions
Business Owners & Self-Employed
We Understand write-offs and variable income. We’ll structure financing that make sense for you r actual cash flow
Real Estate Investors
What You Can Expect
Transparent options with total cost, not just teaser rates
Soft‑pull pre‑qualification (no score impact)
Clear action plan if you’re a few months out
Direct access — no call‑center runaround
From DSCR to portfolio loans, we help align leverage with your investment strategy and risk tolerance.
Families Refinancing or Rebuilding Credit
Whether you’re moving within Grosse Pointe or Optimizing payments, we’ll map the steps and timing
Build by a CFP® Professional Right Here in Grosse Pointe
I’m David Rakecky, CFP® and founder of Tetra Home Loans and Tetra Wealth Management. I launched THL to bring CFP level planning to mortgages so your loan supports you bigger financial life, not just your closing date.
Meet in person or over the phone. Either way, you’ll get straight answers and a plan you can actually follow.
Simple, Transparent Process
Start early. The earlier we talk, the better we can prepare documentation and credit
Soft credit pull. See real options with zero score impact
Strategic review. We match programs to your goals
Guided Closing. Clear Steps, no surprises