About Mortgage City

We have one goal – to fulfill your financing goals and make you a happy homeowner. Mortgage City is a licensed mortgage originator based in Detroit, Michigan. We work with customers in Detroit, Royal Oak, and throughout the state of Michigan. We also can help you with your mortgage needs in Florida, New Hampshire, Ohio, Massachusetts, Texas, California & Colorado!

Meet the Mortgage City Team

Alex Foster Mortgage Broker and owner

Alex Foster

Mortgage Broker / Owner

As a former professional hockey player, I jumped into the mortgage industry several years ago and never looked back! My #1 goal is to put all of my clients into a better financial position than they were before we met.


NMLS ID: 1970269
Email: alex@themortgagecity.com
Phone: (586) 213-0377

Apply With Alex

Jared Lincoln Mortgage Broker and owner

Jared Lincoln

Mortgage Broker / Owner

I have experience working in both retail and wholesale lending, so I know first-hand that mega banks and retail lenders will not get you the best mortgage. Contact me today for the home loan that is the perfect fit for your financial needs!


NMLS ID: 1332883
Email: jared@themortgagecity.com
Phone: (248) 930-8709

Apply With Jared

Genevieve Elkins Loan Officer

Genevieve Elkins

Loan Officer

As a Loan Officer with Mortgage City, I look forward to helping homebuyers secure a loan that suits their budget and meets their financial goals. When working with me, you can expect 100% transparency and zero surprises. Contact me today!


NMLS ID: 1907451
Email: genevieve@themortgagecity.com
Phone: (734) 740-7543

Apply With Genevieve

Chensea Thomas Loan Officer

Chensea Thomas

Loan Officer

I have experience working with two large retail lenders as well as a major wholesale lender, which helps me to be well versed on the best options for my clients. My goal is to ensure each client is heard and that their needs are met! So let’s talk today and navigate your mortgage process together!


NMLS ID: 1387698
Email: chensea@themortgagecity.com
Phone: (248) 801-3693

Apply With Chensea

Garrett Polish Loan Officer

Garrett Polish

Loan Officer

I began my mortgage career as an underwriter with the #1 Wholesale Lender in the country. While I continue to underwrite, I joined The Mortgage City to offer clients top notch service, speed, products and transparency. Contact me today for a free mortgage review.


NMLS ID: 1975178
Email: garrett@themortgagecity.com
Phone: (248) 881-0559

Apply With Garrett

Steve Saviano Loan Officer

Steve Saviano

Loan Officer


NMLS ID: 2028748
Email: steve@themortgagecity.com
Phone: (781) 354-4594

Apply With Steve

Built on Relationships

The core of our business model at Mortgage City is relationships.

By focusing on our relationship with you, we are better able to assess, understand, and serve your needs as our customer.

By building relationships with local real estate agents, lawyers, accountants and contractors, we are able to connect our customers with the local businesses that can best facilitate other aspects of the home buying process.

Why Choose Us?

Here are a few reasons to work with Mortgage City on your next home purchase or refinance:

  • We take the time to get to know you during your consultation as our neighbor and not just our customer. Our goal is to build a lasting relationship with you and to serve you not only today, but over the years you are paying off on your loan.
  • Big banks have banking hours, but our loan experts are available to you all the time. Whenever you have a question or need an update, reach out to us. We’ll be here.
  • We care about your financial future. We love helping out first-time homebuyers, customers who need to consolidate debt, and those who have been turned away by the big banks. Whatever your questions or challenges, we will walk you through the process and connect you with your ideal mortgage.

See What Our Clients Are Saying About Us!

Nicholas Gascoigne
Nicholas Gascoigne
21:25 05 Sep 22
So let me brag about Alex Foster & the Mortgage City team. I'm a small business owner; that being said, for guys like me getting a mortgage is not easy to say the least. We're scrutinized on a different level than an W2 employee. I also had tax issues to solve and a whole load of other problems to figure out. I was at the final hour of getting my young family into a home. I was at the end of my rope trying to pull forward at the time I met Alex. I decided to see if Alex could work any magic in my dire situation. I'm telling you I had 20 days left on my lease and did NOT want to rent another house. Once I stated working with Mortgage City I had HOURLY updates that just radiated positivity. Alex showed me we could do this. We worked through each and every hurdle that such a process entails, this man build the most creative solutions to every issue that needed addressed and did it on such a personal level. Once we officially started the process and pulled credit, Alex got my clear to close in 9 DAYS. I was absolutely blessed to find Alex when I did. I'm writing this review now from my dream home In Clarkston sitting on 5 acres of property. I'm telling all of you, for your next home you have to put Alex Foster & Mortgage City at the top of your list If I can make it through this process and be successful anyone can, you just need the right team to get you there.
Mike Kurfess
Mike Kurfess
14:15 03 Sep 22
Jared was great to work with, he helped us hit a quick closing timeline and was very organized with all of the steps of getting a home loan. He was so helpful with an out of state loan. Jared made the hole process easy and stress free, thank you so much for helping us with our new home!
Sydney Barnett
Sydney Barnett
13:34 03 Sep 22
Jared helped us get the most competitive rate, saved us a lot and was transparent and helpful through the whole process. Everyone told us that our closing timeline was too tight but he was so efficient we actually moved it up a few days.
MakeMovesWith Marco
MakeMovesWith Marco
16:24 19 Aug 22
Alex is very professional! Also his communication skills and educating my clients through the home buying process is what separate him from other lenders in the industry. Thank you for all your hard work!! Look forward to the next deal!!
Morgan McPartlin
Morgan McPartlin
17:28 09 Aug 22
Todd Carlson
Todd Carlson
17:20 03 Aug 22
Everything went along very well! We are happy to be new home owners.
Lori Xu
Lori Xu
16:23 03 Aug 22
First time home buyer, and Jared took care of every single nuts and bolts for us from the very first day we approached to him to the closing day! Awesome experience with his professionalism, responsiveness, and enthusiasm! 1000% recommend!
Lameka Galloway
Lameka Galloway
10:28 25 Jul 22
Amazing services provided with a time limit on my end. Jared worked daily and kept communication open throughout the process. Loan Approved and closed on my home within 40 days. Didn’t know this was possible but this man made it happen. Thank you so much. 10/10 ratings.
Greg B
Greg B
00:56 21 Jul 22
First time home buyer here and Jared couldn't have made it easier and more stress free! Any questions or concerns I had, he was able to help right away. Very much recommend Mortgage City to everyone!
Aaron Thomas
Aaron Thomas
16:08 12 Jul 22
Mortgage City is one of a kind. I felt Jared truly had our best interest at heart and he never missed a beat during our home search. He was right there with us the whole way and any numbers or updates he could provide us with he did. I will recommend all my family and friends to Jared and Mortgage City. Thank you… thank you… thank you!!!!
Zack K
Zack K
15:59 12 Jul 22
Alex was great. He works super fast and he and the team made things run smooth.
Carlette Murry
Carlette Murry
15:49 13 Jun 22
Awesome experience from the beginning of my loan approval process to my closing day. Very professional, knowledgeable, and devoted to meet their clients needs. Highly recommend to friends, family and anyone looking for great loan options.
Anthony Bonkowski
Anthony Bonkowski
12:46 06 Jun 22
Worked with Jared he was excellent! Same-day pre-approval helped with any questions and every aspect of the lending process, he doesn't just keep Banker hours and was available anytime I called.
Baylie Fryman
Baylie Fryman
02:14 02 Jun 22
Alex was amazing to work with! Extremely professional, quick to respond, and definitely knows his stuff! He made everything go so smoothly! Highly recommend!
Curt Mudd
Curt Mudd
18:24 31 May 22
After many challenging years of working with Mortgage Brokers, I have finally found someone who provides impeccable support, is authentic, honest and was relentless in their advocacy for me with a variety of stakeholders. I hold Alex Foster in the highest regard and I still thank my friend for the referral to him. (I was moving to Michigan cold, with no contacts). This guy is best of the best.
Troy Milam
Troy Milam
23:58 26 May 22
First time buyer. Alex and his team were always available and extremely knowledgeable. Couldn’t have asked for an easier process or a better outcome. 5 stars for Mortgage City all the way.Thank you! Thank you! Thank you!
Nathan Linard
Nathan Linard
22:24 25 May 22
My family and I had the pleasure of working with Alex Foster! Alex is a family friend of ours from way back, and we couldn’t appreciate his knowledge and expertise more. So thankful for his help in purchasing our dream home!
Andrew Quintero
Andrew Quintero
18:27 19 May 22
Alex was absolutely incredible! We were closing on a new construction home down in Florida which meant a long time under contract and a million moving pieces. Without him, we would not have been able to close! Our seller, title company, and builders (DR Horton) get 0/5 stars, and dragged their feet whenever they could. Alex was a bulldog when need be to those on the other side of the table, while also proving he had our best interests at heart. He was always available over the phone, and not only took care of everything with the seller, but made time to teach me what he was doing when I asked, and ensure I was comfortable throughout the entire process. Again, we could not have closed without him. I would give him the highest recommendation to anybody and everybody that asks.
nicole bonkowski
nicole bonkowski
17:34 19 May 22
My husband and I just bought our first home. Jared made it so easy for us to navigate. Very professional and always available when we had any questions or concerns. He took care of everything for us. Highly recommend Mortgage City!
Michael McAllister
Michael McAllister
16:08 13 May 22
These guys are true pros at making the homebuying process as easy and stress free as possible. Great communication the whole way through. Couldn't recommend them more!
Benjamin Kramer
Benjamin Kramer
17:52 27 Apr 22
I would like to give a big shout out to Alex Foster at Mortgage City!! He was always available to help us during the whole process of buying our first home!l He was patient and always had the answer to our questions!
Ff Ff
Ff Ff
04:59 02 Apr 22
Alex was incredible! He worked diligently and aggressively to ensure the best possible mortgage terms for my first home purchase. There were several aspects I had extra questions about and Alex explained them in an easy to understand manner. He is always reachable. If I could give a 6-star rating, I would. You want Alex on your team when you’re putting together your home buying team!
Brandon Ryan
Brandon Ryan
20:33 30 Mar 22
Alex Foster and the professionals at Mortgage City are an absolute pleasure to work with, I highly recommend them to all of my friends and family!
Will Kreutz
Will Kreutz
23:32 28 Mar 22
Well educated group willing to walk you through the process from start to finish. Very quick response when I asked any questions and felt like my refinance was finished within a week.
J A
J A
01:52 08 Mar 22
Jared from Mortgage City was extremely helpful and answered all of my questions almost instantly throughout the entire process. I would highly recommend this company.
Nicole Gailliard
Nicole Gailliard
22:19 06 Mar 22
Thank you AJ for helping me through my first time buying a home. You were very knowledgeable and professional! There wasn't anything that you didn't make clear, and I would recommend you to anyone buying a home!
Danny Sutter
Danny Sutter
02:27 04 Mar 22
I worked with AJ and he was wonderful!! He was very quick to respond to any of my questions and always knew what to say! He was always super bubbly and friendly! Would definitely recommend!!!
Niahl Sheena
Niahl Sheena
00:58 02 Mar 22
Great experience here with Morgage city! Genevieve Elkins was my loan officer for my refi and she stayed extremely hands on with me and my account, from start to finish! I am an extremely busy person so havng her there to remind me of what I need and when I need it was very helpful, and you can tell she cares about finding the best plan/rate for you! PLUS being so busy, having them coordinate the closing at my office was huge for me.I am repaying my mortgage in 15 years instead of 30... with almost the same payment!
Shanna Matthews
Shanna Matthews
21:05 22 Feb 22
My husband and I would like to thank Jared for his professionalism.After being denied our original Loan with Michigan First Credit Union (two weeks to our closing date) we were referred to Jared at Mortgage City by our Realtor Carlos Turner. Jared was immensely thorough, prompt and had a structured means of communication which all played an essential and crucial role to our being able to get the approval on the same home and we were still able to close within the original closing date!! We are tremendously grateful for Jared’s proficiency!!Without a doubt, we would recommend Mortgage City to anyone who wants to do business with a company that upholds qualities such as professionalization, expertise, dedication, skill, and competency. You will not regret it….the end results are very Gratifying!Thanks again for everything Jared !!
Brett Yaklin
Brett Yaklin
18:01 08 Feb 22
Alex and his team were all-stars with helping us out with the purchase of our new home. You want a top-notch organization, look no further!! Morgage City has you covered!!
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Looking to buy or refinance your home in Oakland County?

If you are ready to buy a home or refinance in Royal Oak, please call Mortgage City today at (248) 930-8709 to schedule your consultation. You could be moving into your new home sooner than you think!