Michigan Home Financing

Explore Your Mortgage Options

There’s more than one way to finance a home. Explore the options below, then click a program to learn more.

Conventional
A flexible mortgage option for first-time buyers, repeat buyers, and certain investment properties.
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FHA
A government-backed mortgage with flexible credit requirements and low down payment options.
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VA
A mortgage benefit for eligible veterans, service members, and certain surviving spouses, with no down payment required for qualifying borrowers.
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USDA / Rural Development
A zero-down-payment option for eligible buyers purchasing in qualifying rural and suburban areas.
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MSHDA Down Payment Assistance
A Michigan program that can help eligible homebuyers with down payment and closing costs.
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Jumbo
Financing for higher-priced homes that require a loan above standard conforming limits.
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Home Equity Loans & HELOCs
Options for accessing available home equity through a lump sum or a line of credit.
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Refinancing
Replace your current mortgage to explore a different rate, term, or access to home equity.
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DSCR / Investor Loans
Financing for rental properties that evaluates rental income rather than relying primarily on personal income.
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Bank Statement Loans
An option for eligible self-employed borrowers that uses bank statements to help document income.
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Non-QM / Specialty Loans
Alternative financing for situations that may not fit traditional mortgage guidelines.
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More Specialty Options

Additional programs

Asset Depletion
Uses substantial eligible assets to help calculate qualifying income.
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Fix-and-Flip
Short-term financing for eligible investors renovating properties for resale.
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Bridge
Helps solve timing gaps when buying, selling, refinancing, or accessing equity.
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Properties With Up to 20 Units
Specialty options for eligible investment properties with more than four units.
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ITIN
Options for eligible borrowers using an Individual Taxpayer Identification Number.
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Non-Warrantable Condos
Financing for condo projects that do not meet traditional agency guidelines.
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Let’s narrow it down based on your goals, budget, and situation.