Mortgage Broker in Ann Arbor, Michigan
Ann Arbor plays by different numbers from the rest of Michigan: among the highest prices and tightest inventory in the state, steady relocation demand from the university and the hospital, and a conforming loan limit that actually comes into play. The pre-approval you shop with has to be real.
Headquartered in Troy, about an hour east; everything for Ann Arbor happens remotely. Licensed in 39 states. Rated 4.9 across 5,400+ Google reviews.
Ann Arbor
Washtenaw County’s tightest market
2019
Founded in Troy, Michigan
300+
Licensed loan officers on the team
4.9
Average of 5,400+ Google reviews
39
States licensed, headquartered here
Ann Arbor plays by different numbers.
The University of Michigan and Michigan Medicine bring a steady stream of buyers into a city that does not build fast: faculty, physicians, residents and researchers, plus the technology employers that grow up around a campus. Many arrive from out of state on a start-date timeline. The result is prices well above the Michigan norm, thin inventory and well-kept homes drawing multiple offers.
That has three consequences for financing. First, a strong, fully documented pre-approval is not optional; it is what lets your offer compete. Second, the conforming limit of $832,750 matters more here than anywhere else in the state, so we price conventional and jumbo side by side and show you when a larger down payment keeps a loan conforming. Third, Ann Arbor’s city property tax rate is high, and Michigan resets a home’s taxable value when it sells, so the swing between the seller’s bill and yours is a bigger dollar figure here than in most Michigan cities. We budget from the state equalized value, not the seller’s statement.
Value sits just outside the city: Ypsilanti, Pittsfield Township, Saline, Dexter and Chelsea offer more house for the money with the same commute to campus, and we lend across all of Washtenaw County. Our office is in Troy, about an hour east. Ann Arbor clients work with us by phone and e-signature and close at a title company near them or with a mobile notary.
Ann Arbor and Washtenaw County.
Where we close in and around the city. If your neighborhood is not listed, we still lend there.
Ann Arbor neighborhoods
Burns Park
Old West Side
Kerrytown
Water Hill
Northside
Ann Arbor Hills
Eberwhite
Downtown
Washtenaw County
Ypsilanti
Ypsilanti Township
Pittsfield Township
Scio Township
Ann Arbor Township
Saline
Dexter
Chelsea
Milan
Whitmore Lake
Manchester
Nearby
Plymouth
Canton
Brighton
South Lyon
Licensed everywhere in Michigan and headquartered in Troy, Oakland County.
Every loan we write in Ann Arbor.
One licensed pro is your point of contact from the first call to closing, and shops your file across the lenders we work with. Pick the product and we will price it for your situation.
Buying
Home purchase
A quick pre-approval, offers sellers take seriously, and every loan type priced side by side.
Lower your rate
Refinance
A lower rate, a shorter term or a fixed payment. We show you the break-even before you commit.
Use your equity
Cash-out refinance
Borrow against the equity you have built for a renovation, debt or an investment.
Most buyers
Conventional
From 3 percent down for eligible borrowers, with mortgage insurance you can cancel at 80 percent of the original value.
Flexible credit
FHA
From 3.5 percent down with credit scores from 580. The most common first-time buyer route.
Veterans
VA
No down payment and no monthly mortgage insurance for eligible veterans and service members.
Above the limit
Jumbo
For loans above the conforming limit, usually with no mortgage insurance.
Four things that are different about buying in Michigan.
They apply in Ann Arbor as much as anywhere in the state, and the first one catches buyers from elsewhere off guard.
01
Your property tax bill resets when you buy
Michigan caps how fast a home’s taxable value can rise each year, and that cap comes off when ownership transfers. The seller’s bill reflects their capped value; yours will be based on the current state equalized value, which can be materially higher. Budget from the SEV, not the seller’s bill, and file the Principal Residence Exemption, which removes up to 18 mills of school operating tax on the home you live in.
02
Transfer tax is the seller’s cost by default
Michigan charges $3.75 per $500 of price to the state and $0.55 per $500 to the county, and the seller pays unless the purchase agreement says otherwise. Buyers pay recording fees and title charges instead, which are far smaller.
03
Loan limits are simple here
Every Michigan county uses the national baseline: $832,750 for a conforming loan and $541,287 for an FHA loan on a one-unit home in 2026. There are no high-cost counties in the state, so the limit is the same in Troy, Detroit, Lansing and Ann Arbor.
How it works from Ann Arbor.
Four steps, one pro, and nothing that requires a trip to our office unless you want one.
1
Talk to a pro
A short call about what you want to do. We look at your situation and give you an honest read. No hard credit pull until you are ready to move forward.
2
Get real numbers
Your pro shops the lenders we work with and comes back with actual rates and costs, explained line by line, so you can compare against anyone else.
3
We prepare the file
Documents gathered once, the appraisal ordered early, and any Michigan-specific item handled, such as the Principal Residence Exemption and the uncapping of property taxes.
4
Close where it suits you
Purchase closings commonly take 30 to 45 days, streamline refinances often need less paperwork, and timelines vary with the appraisal, title and underwriting. You can sign at our Troy office, at the title company near you, or with a mobile notary at your kitchen table.
Ready to buy or refinance in Ann Arbor?
A real pre-approval, with the conforming line already checked, from a pro who knows Washtenaw County.
Questions we hear in Ann Arbor.
If yours is not here, a licensed pro who works Washtenaw County will answer it directly, with no obligation.
I am moving to Ann Arbor from out of state. Can you handle the whole thing remotely?
Yes, and it is the most common way we work with Ann Arbor buyers. Pre-approval moves quickly once we have your documents, wherever you are today. Everything is signed electronically, and the closing is arranged at a title company in Ann Arbor or with a mobile notary, timed to your start date and arrival.
How do I make my offer competitive in a multiple-offer situation?
With a pre-approval that has actually been underwritten, not a pre-qualification based on what you told a website. Listing agents in Ann Arbor know the difference. We verify income, assets and credit up front, issue the letter, and your pro is available to confirm your financing to the listing agent when the offer goes in, including at weekends.
Will I need a jumbo loan?
In Ann Arbor, possibly. Any loan above $832,750, the 2026 conforming limit, is jumbo. It is the loan amount that matters, not the price, so a larger down payment can keep a purchase conforming. We price both routes. Jumbo loans usually carry no mortgage insurance but want stronger credit and several months of reserves, and we tell you which side of the line works better for you.
Why is my property tax estimate so different from the seller’s bill?
Two Michigan rules working together. The home’s taxable value is capped while one owner holds it and resets to the state equalized value when it sells, and Ann Arbor’s city millage is high, so the reset is a larger dollar swing than in most of the state. Budget from the SEV, file the Principal Residence Exemption after closing, and expect your bill to differ from what the seller paid.
Can you finance a condominium near campus?
Yes. Condominium approval looks at the building as well as the buyer: the association’s reserves, the share of units that are owner-occupied versus rented, and insurance. Buildings with a high proportion of student rentals sometimes need a closer look. We ask for the association documents early so the answer arrives before you are committed.
Is Ypsilanti or Saline a sensible alternative?
For many buyers, yes. Both offer more house for the money with a short drive to campus, and the financing is identical.
Talk to a pro about Ann Arbor.
Tell us what you are looking to do. A licensed pro who works this market will call back, usually the same business day. Asking does not start a loan or require a hard credit pull.
Prefer to talk?
248-416-1361
Open 24/7. Ask for your pro by name.
Visit our office
880 W. Long Lake Rd, Suite 300
Troy, Michigan 48098, just off I-75. Free parking.
Licensed and reviewed
Michigan 1st Mortgage Broker/Lender License FL0023852. NMLS #1925352. Rated 4.9 across 5,400+ Google reviews.