Buy a Home in Michigan

Michigan is a beautiful state with a lot to offer.
Economic opportunities aplenty and incredible outdoor recreational activities galore are both big draws to our warm and welcoming state. If you want to own a home in MI, you will need to find a loan that is an ideal fit for your needs. Mortgage City can connect you with a mortgage that is flexible and affordable.

A Michigan Home Loan That is Right For You

We offer the following types of home purchase loans:

Conventional

Conventional conforming mortgages fit within the Fannie Mae and Freddie Mac loan limits, and may feature interest rates as low as 3%.

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FHA

You can qualify for an interest rage as low as 3.5% even without a perfect credit score if you are eligible for an FHA mortgage. This type of home loan is guaranteed by the Federal Housing Administration.

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Jumbo

A jumbo loan allows you to borrow more money to buy a home in Michigan than you can with a conventional conforming mortgage.

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VA

For Michigan veterans, active-duty service members and eligible surviving spouses, a mortgage insured by the Department of Veterans Affairs provides the opportunity for zero down financing on a home.

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USDA

If you are shopping for a home in a rural part of Michigan or Florida, consider a USDA mortgage insured by the US Department of Agriculture.

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Bank Statement/Non-QM

Are you applying for a home loan without a W-2? You will want to ask about our non-QM loan program which allows you to apply with a bank statement to verify your income.

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How Do You Know What Type of Home
Loan in MI is a Fit for Your Needs?

With so many options available, there is a ideal type of mortgage for every MI homebuyer. But you may not know how to choose the right type of loan.

You need to consider two factors:

  • Your qualifications
  • Your goals

Qualification criteria that determine the types of mortgages and rates you are eligible for include you credit score, DTI ratio, income, down payment ability, employment status, and military service record (if applying for a VA loan).

As far as assessing your goals, you should ask yourself questions such as, “How long will I live in this house? What is my monthly budget?”

We can help you figure out which questions to ask during your consultation. We have walked many homebuyers through the process of finding the right loan.

Why Choose Mortgage City for Your Home
Purchase Loan in Michigan?

Here are some reasons to consider working with us:

  • Our process for qualifying for a loan to purchase a home is fast and easy, and we can adjust it to meet your individual needs.
  • Building relationships with homebuyers is what we do best. During your consultation, we take as much time as we need to fully understand what you are looking for in a home loan. Our relationship continues long after we match you with the right product. We are here to support you until you have paid off your loan.
  • Big banks turn away customers because of low credit scores or unusual income situations. We work with you regardless of either until we have found you a mortgage.
  • We are always available for you when you have questions.

See What Our Clients Are Saying About Us!

Brandon Japenga
Brandon Japenga
12:31 26 May 21
Alex went above and beyond to answer any and all questions that I had promptly. Every step of the way he was on the ball. He was a very hard worker and was able to get us closed within the 30 day closing period. 10/10 would recommend
Matt Blunden
Matt Blunden
22:53 21 May 21
This guy Jared Lincoln from Mortgage City just gets it done. Highly knowledgeable, super easy to work with, and he’s available 24/7 to answer any and all questions. I would highly highly highly recommend working with him and in the future he will be my first and only call. I could not be more satisfied.
Dino Gargasoulas
Dino Gargasoulas
15:44 28 Apr 21
Jared was fantastic. I will be sending everyone to him.
Moe Elhady
Moe Elhady
14:21 23 Apr 21
Jared was VERY helpful throughout the whole refinancing process. He usually picked up when I called him. Called back within minutes when he didn’t. Answered all my texts immediately. Thank you Jared Lincoln! Thank you Mortgage City!
Kathleen Babcock
Kathleen Babcock
03:21 17 Apr 21
I'm so happy to be writing this review from my new dream home!! As a first time home buyer, Alex Foster made the process of getting my first mortgage quick, easy and as stress free as possible. He was quick to respond to ALL of my questions in an incredibly timely manner. I knew that if I needed anything, he would be right there with his knowledge and expertise to assist! I cannot say enough about how happy I was with him and his team, and the peace of mind they gave me through out the entire home buying process. I would 110% use his services again in the future, as well as recommend him to my closest friends and family. I felt as though he really got to know me and my situation, and really did everything he could to make sure I got the house of my dreams in a way that worked best for my pocket book as well!
Royal Oak Toastmasters
Royal Oak Toastmasters
11:47 08 Apr 21
Jared was very attentive and action oriented towards the needs of my mortgage. I never once had the hesitancy to just reach out and ask a stupid question because he was so open to helping me understand this unfamiliar process. My fiancé and I are so glad we worked with him & the Mortgage City team!!
Grant Topij
Grant Topij
00:12 16 Mar 21
Had the pleasure of working with Alex Foster and Jennifer Finn on my refi fast easy the communication was impeccable! I would have great confidence referring these pros! Thanks again for making it so easy!
James Lemieux
James Lemieux
20:15 04 Mar 21
Jared was a pleasure to work with. He was prompt, answered all my questions and moved the process along very quickly. I closed on my refi within two weeks after our initial conversation! Very Impressive. I highly recommend his services.
Ted Hadfield
Ted Hadfield
19:28 02 Mar 21
A very pleasant, professional and coherent experience with Genevieve Elkins in moving our refinance forward. Key was her willingness to stay in touch with the latest updates and other options available to us for best results. Cheers !
Brad Tayles
Brad Tayles
17:37 02 Mar 21
home buying is never easy, Alex and his team made this process truly enjoyable, no one else ever has
Samantha Hogue
Samantha Hogue
03:52 16 Feb 21
Absolutely 10/10. Jared was the best. Helped us out with everything we needed to buy our first home and he always responded right away with any questions we had. 😊 I highly recommend!
kristine andali
kristine andali
21:33 05 Feb 21
Working with Alex was an incredible experience. This was my first time buying a house so a lot of unknowns for me, but Alex always made sure to explain everything in an easy to understand manner. He was also very timely with his responses anytime I had a question. He fought to get me the approval I wanted and got it, also in a very timely manner! I can't recommend him enough! Thank you, Alex. I feel confident having you on my team for future purchases!
Rory Lincoln
Rory Lincoln
21:28 02 Feb 21
Mary Ann Klein
Mary Ann Klein
17:09 23 Jan 21
It was a pleasure working with Mortgage City. We were actually working with another company at first. We are so glad we choose to switch to Mortgage City. McKenzie sold us on her company and we loved the service and communication and updates. Although we also had Jennifer as our loan processor, and Jen was great, McKenzie never abandoned us and kept in touch to make sure things were progressing smoothly. Everyone was professional and honest and answered our questions. We had one hiccup and the company owner even called to apologize and made it up to us in a big way. We felt like they cared for us as people and we were not just another transaction. When my children buy their homes we will steer them to Mortgage City because they will be in good hands. I would definitely recommend Mortgage City to anyone looking to buy or refinance a home. They were upfront, honest and could be counted on. Five stars in my book!
Michael LaRue
Michael LaRue
22:59 20 Jan 21
Jared Lincoln was referred to me by a coworker and has been an absolute pleasure to refinance with. Jared’s professionalism, communication, and attentiveness made for a smooth transaction. I have already referred him to others seeking home refinancing options.
Villary LaRue
Villary LaRue
17:54 20 Jan 21
Jared Lincoln has been such a professional. Even though my particular situation was somewhat difficult, Jared certainly has risen to the occasion and provided us with a solution to our mortgage process. Absolutely will be referring him to anyone I know that needs a mortgage broker.
Tien Doan
Tien Doan
01:52 16 Jan 21
I had bought many properties and worked with many different lenders in the past. All of the lenders that I worked with before were all good, but working with Alex and his team were the best team that I have ever work with. Alex and the rest of the team were very responsive and extremely helpful. We are so glad and feel very lucky to have a chance to work with Alex and his team. Alex provided an excellent interest rate that other lenders can not match and also super nice and went above and beyond to help us close quickly. Anyone looking, I strongly recommend reach out to Alex. Thanks so much for your help Alex and your team. YOU AND YOUR TEAM ARE THE BEST OF THE BEST.We closed on 1/13/21
James Abraham
James Abraham
00:05 01 Jan 21
I had the pleasure of working with Jared Lincoln and Alex Foster. I am not one to typically write reviews, but this experience was so great I thought I should share. Not only did they close my loan in 14 days, but they always picked up their phone, responded to my emails within an hour, and even would text me back when they were not at work! I value great client service and this Mortgage City company sure knows how to provide excellent client service. I will refer everyone I know to them and would hope you do the same. My next house will be going through them as well. Thanks again Jared, Alex and everyone at Mortgage City! You ROCK!-James
John Shutty
John Shutty
16:27 30 Dec 20
LeslieandJack Attebery
LeslieandJack Attebery
21:31 22 Dec 20
Mitch Morano
Mitch Morano
15:27 21 Dec 20
Michael Schantz
Michael Schantz
15:24 25 Nov 20
WE WORKED WITH JARED LINCOLN AND COULD NOT HAVE HAD A BETTER EXPERIENCE. HE WAS INCREDIBLY HELPFUL AND ENGAGED THRU THE WHOLE PROCESS. FROM START TO CLOSE IT BARELY TOOK A WEEK AND THAT WAS WITH US STARTING THE PROCESS ON A WEEKEND!! ANYONE LOOKING I WOULD STRONGLY ENCOURAGE YOU TO REACH OUT TO JARRED. THANKS AGAIN FOR YOUR HELP JARRED!!!
shawn anderson
shawn anderson
18:51 16 Nov 20
Alex did everything he said from start to finish! And very FAST! A pleasure to deal with, no surprises or weird last minute changes. Thanks Alex!
Russ Anderson
Russ Anderson
18:17 10 Nov 20
Mortgage City and it’s 5 star professional staff get the best rates and the most rapid turn around in the industry. I recommend Mortgage City to all my clients.
Andrew Tornow
Andrew Tornow
14:40 05 Nov 20
Alex was great to work with. Very informative, helpful and responsive to all questions. Will definitely be doing business with him again!Andrew Tornow
Cameron Rickard
Cameron Rickard
13:23 05 Nov 20
Jared and mortgage city were amazing. They gave numerous options and calculated the benefits of each. Shopped around and they had the lowest rates by far. Their communication throughout was spot on too.
Erin Stegman
Erin Stegman
22:16 03 Nov 20
Alex was great to work with and we were very happy with the loan process.
Michael Frawley
Michael Frawley
23:51 07 Oct 20
Alex and the Mortgage City team were amazing from start to finish! I had been reaching out to other lenders to get pricing and approvals without luck and with one call to Alex he started the paperwork and was able to get me rough numbers the same day. He fought to get me the best rate available and at the best value so I couldn't be happier. Deal closed without any issues and I am already looking into the next one. If you need a team to jump through hoops for you to get the deal you want, make Alex at Mortgage City your first call!
Al Zara
Al Zara
20:05 05 Oct 20
Genna helped my wife and I purchase an investment property and she was great to work with! Very thorough and paid attention to details. Her attitude was always positive and my wife and I were very please with the process!We liked her so much that we decided to take advantage of these great rates and refinance our home. I have been referring her business to many of my friends and if you're reading this, you should 100% trust Genna for your next mortgage process!
Jeanna Collins
Jeanna Collins
18:20 02 Oct 20
Alex was amazing! He got us a great rate and worked incredibly fast. This was the easiest most painless experience we’ve ever had!
Leanne Andali
Leanne Andali
11:47 02 Oct 20
We had an excellent experience ! All communication was very responsive. The process was easy and fast. It was great working with Mortgage City. I would recommend their service to anyone!
Don Gilmer
Don Gilmer
15:06 29 Sep 20
Alex and his team were very helpful and responsive. Our refinance was quick and easy. They found us a great rate and we were saving money in just a few weeks!
Barbara Adelman
Barbara Adelman
18:58 27 Sep 20
Jared and Alex were outstanding!!! Phone calls and emails were answered immediately. They were professional, knowledgeable and friendly. No surprises, except for positive ones. I would HIGHLY recommend them to anyone looking to secure a mortgage.
Sean Collins
Sean Collins
13:55 21 Sep 20
Alex and Genna went above and beyond in helping us refinance our mortgage. They walked us through every step and made the entire process simple and easy. Any questions we had were answered thoroughly and quickly. A pleasure to work with - HIGHLY recommend !
Robert Dunlap
Robert Dunlap
20:26 19 Sep 20
We had an outstanding experience with Mortgage City and specifically Alex! The mortgage process went very smooth and Mortgage City was on top everything. Couldn’t ask for a better experience with refinancing! Great team at Mortgage City and I’m thankful that I got to work with them!
Rebecca Najor
Rebecca Najor
18:04 19 Sep 20
Alex took care of my ReFI in August in a very professional and efficient manner! A task that can be intimidating and overwhelming was simple and very transparent. He took care of everything from start to finish. Everything was explained clearly, and many options were given to me. I highly recommend working with Alex for your mortgage needs!
Sean Knue
Sean Knue
03:09 18 Sep 20
We've had an excellent experience working with Kenzie on a refi! We were able to secure both great rates and low costs. We also had awesome service! She went above and beyond working through the process! I recommend her and the team at Mortgage City to everyone.
Bryan Schutt
Bryan Schutt
18:13 16 Sep 20
Had a fantastic experience with Alex would recommend his services to anyone. A+++
Chase Podsiad
Chase Podsiad
02:13 16 Sep 20
White glove service: they took care of everything. Also, they are very transparent, responsive, and quick to close. I give them (Alex Foster) the highest recommendation.
Dwight Foster
Dwight Foster
01:24 16 Sep 20
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Buy Your Dream Home in Royal Oak or Detroit Now

We are ready to help you move into the home of your dreams in Detroit, Royal Oak, or anywhere in Michigan. We also can help you purchase a home in Florida. Get started now by calling (248) 294-7989 to schedule your consultation. We can’t wait to work with you.