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!
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!!!
Andrea Seskin
19:45 09 Aug 21
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!
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
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
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
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
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
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
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
21:28 02 Feb 21
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
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
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
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
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
16:27 30 Dec 20
LeslieandJack Attebery
21:31 22 Dec 20
Mitch Morano
15:27 21 Dec 20
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
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
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
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
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
22:16 03 Nov 20
Alex was great to work with and we were very happy with the loan process.
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
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
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!
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.