Mortgage Broker in Royal Oak MI | Home Loans | Mortgage City
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.
Loan Options in Royal Oak
Whether you are moving to Royal Oak, Detroit, or elsewhere in the state of Michigan, Mortgage City can help you find a suitable mortgage.
In fact, we can connect you with a variety of different types of loans. No matter your needs, there is an ideal mortgage waiting for you.
We Offer These Types of Home Loans in Detroit and Royal Oak
Conventional
Along with government-backed financing options, we offer conventional mortgages. These include both jumbo loans and conforming loans that fall within the Fannie Mae and Freddie Mac loan limits. Conventional mortgages can have down payments as low as 3%.
FHA
For customers who are searching for a mortgage that offers flexible qualification requirements and affordable interest rates, an FHA mortgage insured by the Federal Housing Administration may be a suitable choice. Your down payment with this type of loan could be as low as 3.5%.
Jumbo
Another type of conventional mortgage we offer is the jumbo loan. This type of mortgage does not need to conform to the Fannie Mae and Freddie Mac loan limits.
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.
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.
Bank Statement/Non-QM
Our non-qualified mortgages and bank statement loans are ideal for those who cannot qualify for a loan through the traditional application process or who do not have a W-2.
First Time Homebuyer
We are excited to have the opportunity to help you purchase your first home in Royal Oak, Detroit, or elsewhere in Michigan. We make the process simple and easy to understand. Our loan experts communicate with you closely from our first contact to closing.
See What Our Clients Are Saying About Us!
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
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
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
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
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
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
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
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
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
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
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!!
Ben Lang
02:51 29 Jan 22
Alex and his team are without a doubt the best in the business. Alex is always available no matter the day or time. He is always responsive and takes a hands on approach when dealing with clients. Furthermore, he is able to offer extremely competitive rates. Five stars all the way for Alex and his team!!
Tahki Jayasvasti
21:52 27 Jan 22
Genna and her team are extraordinary. So responsive, professional. It was very important to them that I had a good outcome. It was very personalized service and I have referred many close friends and family to her and her team.
Mark McGee
15:11 27 Jan 22
This was the first experience of buying a home for me and my wife and the team at mortgage city made it an easy and great experience. We worked with Alex Foster and he was available at all times and answered any questions we had quickly and thoroughly. We couldn’t of had a better experience as first time home buyers and would recommend Alex and the team at Mortgage City to anyone looking for a professional and stress free home buying experience. Thank you for helping our family find our new home!
Jolene Rawson
01:33 09 Jan 22
This was my first time buying a home. Made everything about the home buying process so much easier. I worked with Aj, he was amazing! Always available to answer any questions or concerns that I had. He was very informative on what was needed and what to expect in the process. I couldn't have done this without his assistance. If you are looking for a Lender I highly recommend.
Russell Fried
11:36 31 Dec 21
Jared is the real deal. Awesome communication and smooth process.
Frank Sloan
18:51 23 Dec 21
Jared was awesome! He is super knowledgeable, responsive, and kind.The process was quick and easy. Highly recommend Jared and Mortgage City.
April Wlash
22:28 14 Dec 21
Aj and his team did an outstanding job helping us with our mortgage. Aj had some great advice on different ways to handle our situation. Everything was handled so easily and he was always available to answer any questions or get us in touch with who could.
Ben Kson
21:58 06 Dec 21
Absolutely loved working with Mortgage City. AJ Eid was the man. He made sure that everything was handled quickly, effectively and with the up most professionalism. AJ responded 24/7 nights and weekends just as quickly as during the weekdays. I started searching for a home and was unsure where to get my mortgage but Mortgage City was absolute top notch. I would highly recommend them to anyone.
Sue McCann
15:38 26 Nov 21
AJ is very courteous, responsive, Professional and his follow up is exceptional. He was a tremendous help in getting us through the mortgage approval process.We definitely recommend him for your Motgage needs and look forward to working with him in the future.
Kris Bobrowski
23:15 10 Nov 21
I would highly recommend this mortgage company. Aj went above and beyond to help us. When a bigger broker gave up on us i turned to mortgage city and it was the best decision we made. I'm telling everyone i know who is thinking about buying a home or refinancing. I can't say enough good things about them.
Ryan Wiese
16:27 04 Nov 21
Trina Hughey
14:11 21 Oct 21
To anyone looking for a mortgage company, I 1000% stan behind Mortgage City! Alex Foster, He is a GOD SEND! I swear he and his team made my home purchase a good experience, you will not regret choosing him. AND HIS RATES ARE TOP LINE!!!To Alex, i just want you to know how appreciative i am... I am at a loss for words. You have helped me make my dream come true... A home for my kids n grandkids. They way you looked out for me is just... God Bless you Alex may He bless you ABUNDANTLY!And one more thing before I go....THANK YOU FOR KELLY (KMS Processing)! She... Is AMAZING. She was just, omg, without her, i woulda went nuts. She made this major transition comfortable, she made me feel like I was family.Thank you...May both ur businesses burst with prosperity thru the Bounty of Jesus Christ...And to those purchasing a house, Happy HUNTING!!!!!With a very SINCERE HEART💙Trina Hughey
anneshia harris
14:04 14 Oct 21
I had the pleasure of working with Chensea of Mortgage City and I’m so happy about it!! She went over and beyond for me and I did the same for her. She’s hands down the best LO I’ve worked with and plan on doing so in the future!
Dustin Bui
14:00 29 Sep 21
Jared was fantastic to work with and everything went very smoothly!
Shawn Rankin
15:39 24 Sep 21
Jared, Alex and the rest of the team at Mortgage City were absolutely amazing! Cleared my purchase loan in 9 days! Easy, smooth process. Also sent me an amazing closing gift! Highly recommend Mortgage City for all of your mortgage needs!
Jill DeGowske
13:49 09 Sep 21
Best refinancing experience! Alex found us a great deal and provided an incredibly easy and fast process. Hands down, light years better than our past experiences. Highly recommend!
A Williams
22:53 01 Sep 21
I wanted to take the time to thank my broker, Alex Foster! His hard work, effort and time has given me the best rate possible while being diligent in answering/responding to all my first time homebuyer needs. I wouldn't have done it a different way!🙂His customer service, his attitude will continue to take him far and I see the reason he became a broker/owner in this field.Keep doing a great job, if I know others who would like to buy a home. I would refer them to Alex!!Thanks again and I look forward to working with you in the future.~Williams
Dwayne Foster
17:42 30 Aug 21
Can't say enough about Genevieve Elkins and her team at Mortgage City. My refi was started and finished in 2 weeks without any hassles. I will be going back for all of my home loan needs to these guys! Highly recommend!!!
Melissa Whiting
14:46 26 Aug 21
Jared was extremely professional, efficient, and really easy to work with! Would recommend 1000 times! Thank you Jared!
Stephanie Flis
23:53 23 Aug 21
After working with several people who seemed to have very little interest in helping us work towards financing, Jared went above and beyond to help us make our dreams come true. He was able to explain everything to us, quickly responded to any questions and did alot of the leg work making the process as simple as possible. 20/10 would recommend!
Kelly Foster
01:55 21 Aug 21
Genna gave us a great rate and was super friendly! She was very communicative and easy to work with!
James Galba
17:33 11 Aug 21
Great team with amazing communication who truly fight for their clients! I Highly recommend them.
Ana August
21:14 10 Aug 21
Working with an excellent, caring, responsive Chensea! I truly appreciate her patience with me and I know she truly cares! That is important to me.
Teresa A
14:58 10 Aug 21
Genna was fantastic to work with and made the refinancing process a breeze. She is very friendly and knowledgeable and didn't over complicate things (which I appreciate). Wouldn't go anywhere else!
Christina Dura
19:49 09 Aug 21
Dreams do come true! Genevieve Elkins is not only professional, but efficient! She did not waste any of our time by finding us the best percentage for our Refi! I highly recommend asking for Genevieve personally, but on a whole Mortgage City is a top notch mortgage company!!!
Corey Elkins
19:43 09 Aug 21
Genevieve is an excellent person to work with! She worked incredibly hard to make sure we got our mortgage done as efficiently as possible and at the best rate possible! I highly recommend Genevieve to all of my friends and family!
Linda Zara
19:02 09 Aug 21
Genna Elkins was so amazing to work with! Not only was she personable, friendly, and caring, she was professional. She always made time for all of our questions and had our loan approved in no time! Our rate was even lower than what we expected it to be and she made sure everything was smooth sailing from start to finish. I highly recommend Genna Elkins for all your mortgage needs!
Amy Wiese
19:01 09 Aug 21
Hands down the finest group to work with. Their team provided us with the best deal we could have ever asked for. Genna from Mortgage City is an expert in her field and a true pleasure to work with. Thank you for saving us thousands of dollars!
Amber Edmunds
15:15 06 Aug 21
HIGHLY RECOMMEND Mortgage City! Great experience all around. I worked with Bobby specifically and he was very helpful throughout the whole process. He made everything so easy and was quick to answering my questions and also with closing. Would recommend Mortgage City to anyone looking to buy or refinance their home!
Makenzie Knue
14:18 29 Jul 21
I bought my home with Jared in December and couldn't be happier with the service I received. Their pricing was better than everyone else, he responded almost immediately every time I reached out, he explained everything to me at every step, and made the process actually enjoyable instead of stressful! 5 stars, two thumbs up, highly recommend.
Stevi Edmunds
17:41 28 Jul 21
Bobby was awesome during my Refinance! I was thinking about refinancing for quite some time, but wasn’t sure if I could with my grant from MSHDA. Bobby did so much leg work to get all the right information and got me a great deal that I couldn’t pass up. They made things so easy to send them info securely and even got my closing at a convenient time and place! I was approved and ready for close in under 2 weeks and ALL my questions were answered during the whole process!
Kristin Alman
17:04 28 Jul 21
I worked with Mortgage City (specifically Jared L.) and they were absolutely amazing from start to finish! Couldn't have asked for a better company or an easier refinance process 😊 I have highly recommended them to everyone I know.
Brady Green
17:55 27 Jul 21
Jared was very helpful starting at the beginning of the process when we needed a quick preapproval for an offer. He was able to get us a great mortgage rate and was available throughout the process to help with all questions.
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
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
15:44 28 Apr 21
Jared was fantastic. I will be sending everyone to him.
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
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!
Move Into a Home in Michigan Now
Are you ready to find your ideal mortgage and move into your new home in Michigan? Please give us a call today at (248) 930-8709 to schedule your consultation. We work with customers throughout the state of MI as well as Florida.
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Mortgage City NMLS #2007168. All information contained herein is for informational purposes only and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies subject to change without notice. This is not an offer to extend credit or commitment to lend. Although and subject to underwriting approval. Some products may not be available in all states and restrictions apply.