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, Ohio, Colorado and Texas!

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

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

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!

Sarah Stein
Sarah Stein
19:25 13 May 24
Toph Smith
Toph Smith
16:50 13 May 24
Terrific guys & made the process easy and convenient. I will be going back to them if the need arises and recommending friends and family!
Maribel Miller
Maribel Miller
16:02 03 May 24
You definitely want to with Alex he’s a professional lender who care so much for his clients. My experience working with him has been excellent in all aspects in the transaction!
Michelle Anderson
Michelle Anderson
19:51 05 Sep 23
Jared has been great. Anytime I needed to make an offer in this competitive market, he was always there and willing to get us quotes, offer letters, whatever it took and anytime of day and or weekend. Incredibly professional and always helpful!. Thank you, again, Jared! You’ve been a blessing to work with!
ethan mathews
ethan mathews
15:45 27 Aug 23
We used Jared Lincoln at Mortgage city for our mortgage. He was knowledgeable, professional and even at times our biggest fan! Our new construction was complex but Jared took great care of us! Thank You!
Lara Girdwood
Lara Girdwood
00:23 18 Aug 23
We worked with Jared, the owner, for our first home buying experience and it couldn't have been easier. At the start, I appreciated that the application process was done all online through a specific portal - it felt safer than other ways of submitting sensitive information that we experienced while exploring other broker options. Jared made us feel like we were his only client as he always made himself available for calls, questions, writing up letters, and submitting documentation in record time. My favorite thing about the experience, though - and about Jared as a professional - was when we explored an option with another broker that seemed like it was going to save us loads of money. Jared was honest and supportive in saying the quote seemed like an amazing deal while remaining completely professional, letting us know that if anything changed, he'd love to still help us. Well, of course, it was too good to be true and we were sorry that we ever strayed! He welcomed us back with open arms and continued to go above and beyond. He even helped recommend a realtor who was great and we ended up sticking with (Trish Woodard) and they worked seamlessly together. He also recommended an insurance broker (Jenna Dado) who helped us save loads of money too! So, pretty much, if you need anything, just go to Jared!
Madelaine Reem
Madelaine Reem
20:30 12 Aug 23
Jared from Mortgage City was awesome to work with as a first time home buyer! He really walked us through the process and took care of us every step of the way. Highly recommend using Mortgage City as your lender!!
Matthew Corbett
Matthew Corbett
14:28 11 Aug 23
Jared was great. Everything went smooth and he can be trusted.
Justin Nelson
Justin Nelson
14:00 11 Aug 23
Loved working with Jared and Mortgage City for our first home! Jared did a great job explaining each step of the process and was always available to answer any questions that we had. Highly recommend the guys at Mortgage City!
Jim Kealy
Jim Kealy
16:54 06 Jul 23
Working with Mortgage City and Alex for a home loan was a smooth and easy experience. I will definitely be using them again when it comes time to refinance.
MaLisa O'Brien
MaLisa O'Brien
08:10 25 Jun 23
Jared Lincoln helped make a dream come true for me. First time home ownership! Jared went above and beyond for me. Always quick to answer any questions I had, and get things in motion that were important. Enthusiastic, and positive with making it happen through the whole process. I totally felt like family!
Janell Moore
Janell Moore
09:31 24 Jun 23
There is a reason Mortgage City has 5 stars across the board. I am very pleased with my experience with Alex! There is nothing I would change. Thank you for the Realtor recommendation and for helping get me into my condo! Teamwork makes the dream work!
Don Anderson
Don Anderson
14:17 09 Mar 23
Good service. Clean and concise.
Michael Peretto
Michael Peretto
00:11 19 Oct 22
Great guy ! Lots of options !!
Melissa Glenn
Melissa Glenn
13:20 17 Oct 22
Alex and his team did a great job helping me find a mortgage with the lowest interest rate during unstable times in rates. Being a first time homebuyer- Alex and his team took care of things for me that I didn’t know to ask for, and I couldn’t be more grateful! Offer to close in less than a month and it was smooth sailing! Thanks so much Alex!
Thomas Nadeau
Thomas Nadeau
13:19 05 Oct 22
I really cannot recommend Mortgage City, specifically Jared, enough! Jared basically led the process through a tricky(to me at least) refinance process and every step of the way was gracious, patient and kind. It was truly a pleasure working with Jared and I can highly recommend Jared and Mortgage City for your financing needs!
Brandon Ferguson
Brandon Ferguson
14:37 01 Oct 22
Jared and his team is the absolute best. He is extremely professional, thorough and a master at his job. He works efficiently and goes above and beyond for his clients. I have been in the market for 3 years and Jared made it possible for me to purchase my first home. He provided me knowledge and answered any question or concern that I may have had. He was a pleasure and my wife and I are extremely grateful that we had such an amazing mortgage broker to guide us through this process of buying our first home! I will be recommending Jared and Mortgage City to anyone who has interest in buying a home. Mortgage City feels like family!
Melissa Warner
Melissa Warner
15:21 26 Sep 22
Alex was amazing to work with, he was prompt in his responses and understood we were on a time crunch to get a house. He explained things to me without making me feel like I was stupid ( being a first time home buyer). He was able to have us closed in 2 weeks.
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.
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
TC Carlson
TC 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.
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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!