You do not need high income or a perfect credit score to qualify for this type of mortgage. In fact, USDA mortgages are targeted at lower-income borrowers.
With a rural housing loan in Michigan, you can pay affordable interest rates.
You can move into a home immediately without a down payment.
Qualifying for a Michigan USDA Mortgage
To be eligible for a USDA mortgage, you need to meet these basic requirements:
You must not have an income that is above 115% of median household income.
You must be buying a home that is in a rural area. What does that mean? The USDA has specific guidelines, but they are quite a bit broader than many borrowers expect. During your consultation, we can help you to establish whether you are shopping for a home in a qualifying rural zone.
We will go over other requirements for eligibility for a USDA mortgage with you during your consultation as well.
Apply Now for a USDA Rural Housing Loan in MI
Whether you are shopping for a home in the Royal Oak or Detroit areas or elsewhere in Michigan, we can help you find out if you qualify for a USDA mortgage and its benefits. We also can help Florida customers to apply for a USDA loan.
To schedule your consultation, please call us today at (248)744-2512. We can’t wait to connect you with flexible, affordable financing for a beautiful MI or FL property.
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.
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!
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.
11:36 31 Dec 21
Jared is the real deal. Awesome communication and smooth process.
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.
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.
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.
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.
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.
16:27 04 Nov 21
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
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!
14:00 29 Sep 21
Jared was fantastic to work with and everything went very smoothly!
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!
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!
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
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!!!
14:46 26 Aug 21
Jared was extremely professional, efficient, and really easy to work with! Would recommend 1000 times! Thank you Jared!
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!
01:55 21 Aug 21
Genna gave us a great rate and was super friendly! She was very communicative and easy to work with!
17:33 11 Aug 21
Great team with amazing communication who truly fight for their clients! I Highly recommend them.
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.
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!
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!!!
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!
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!
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!
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!
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.
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!
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.
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.
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
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.
15:44 28 Apr 21
Jared was fantastic. I will be sending everyone to him.
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!
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!!
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!
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.
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 !
17:37 02 Mar 21
home buying is never easy, Alex and his team made this process truly enjoyable, no one else ever has
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!
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!
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!
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.
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.
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
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
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.