Mortgage Broker in Lansing, Michigan
Lansing has something most Michigan markets do not: prices that sit comfortably under the FHA and conforming limits, so every loan option covers most of the homes in the tri-county area, and a steady employment base keeps the market sensible.
Headquartered in Troy; everything for Lansing happens by phone and e-signature. Licensed in 39 states. Rated 4.9 across 5,400+ Google reviews.
Lansing
The capital city and the tri-county area
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
Lansing prices make the programs work.
The capital city runs on a payroll that does not swing with the economy: state government, Michigan State University across the line in East Lansing, the hospital systems and General Motors’ Lansing plants. Home prices sit well below metro Detroit and Ann Arbor, and that changes what financing looks like here.
The FHA loan limit covers almost every home in the tri-county area, and conventional loans from 3 percent down fit most of the rest. The trade-off is age: a lot of Lansing’s housing was built before 1950, and FHA and conventional appraisals look at condition, so a roof, a furnace or peeling paint can become a repair item before closing. We flag those early. East Lansing, Okemos and Haslett carry a premium for their school districts and proximity to campus.
Our office is in Troy, about 90 minutes east. No Lansing client needs to make that drive. Everything runs by phone, email and e-signature, and closings happen at a title company in the tri-county area or with a mobile notary at your table.
Lansing and the tri-county area.
Where we close in Ingham, Eaton and Clinton counties. If your town is not listed, we still lend there.
Ingham County
Lansing
East Lansing
Okemos
Haslett
Holt
Mason
Williamston
Leslie
Eaton County
Delta Township
Grand Ledge
Charlotte
Eaton Rapids
Dimondale
Potterville
Clinton County
DeWitt
DeWitt Township
Bath Township
St. Johns
Licensed everywhere in Michigan and headquartered in Troy, Oakland County.
Every loan we write in Lansing.
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.
Mid-Michigan
Lansing prices let FHA and low-down-payment conventional loans work for most buyers. We check both on the first call.
Four things that are different about buying in Michigan.
They apply in Lansing 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 Lansing.
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 Lansing?
One licensed pro from the first number to closing, anywhere in the tri-county area.
Questions we hear in Lansing.
If yours is not here, a licensed pro who works the tri-county area will answer it directly, with no obligation.
I am buying an older home in Lansing. Will the appraisal be a problem?
Usually not, but condition matters. FHA and conventional appraisals check that the home is sound and safe: roof, heating, plumbing and electrics working, no peeling paint on older homes, safe access. A well-kept 1940s house passes without comment. One that needs work may get a repair condition that has to be completed before closing, and we tell you early so it can be negotiated with the seller.
How does the process work when your office is in Troy?
Entirely by phone, email and e-signature. Your pro calls, you upload documents, you sign disclosures electronically, and the closing is arranged at a title company in Lansing or with a mobile notary at your home. Nobody has to drive to Troy, and most clients never see the office.
I am relocating for a state or MSU position. Can you work to my start date?
Yes, and it is a common request here. Pre-approval moves quickly once we have your documents, it does not matter which state you are in today, and a typical purchase commonly closes 30 to 45 days from an accepted offer. Tell us the date and we plan backwards from it.
Why are East Lansing and Okemos priced higher than Lansing?
School districts and proximity to campus. Both carry a premium that shows up in price and sometimes in competition for well-kept homes. The financing is no different, but a stronger pre-approval helps your offer.
Do you lend in Grand Ledge, DeWitt and the smaller towns?
Yes, everywhere in Ingham, Eaton and Clinton counties and beyond. Rural and larger-lot properties sometimes need a closer look at the appraisal, and we handle that routinely.
Talk to a pro about Lansing.
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.