Mortgage Broker in Michigan
Headquartered in Troy and licensed in every one of Michigan’s 83 counties, MortgagePros gives you one licensed pro as your point of contact from the first call to closing and shops it across the lenders we work with.
Michigan 1st Mortgage Broker/Lender License FL0023852. NMLS #1925352. Rated 4.9 across 5,400+ Google reviews.
MortgagePros in Michigan
Headquarters
880 W. Long Lake Road, Suite 300, Troy
Michigan license
1st Mortgage Broker/Lender License FL0023852
Counties served
All 83, remotely or in person
Licensed loan officers
300+ on the team
Also licensed in
39 states in total
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
Expert Mortgage Brokers Dedicated to Serving Michigan Homebuyers
At MortgagePros, we take pride in being a Michigan mortgage company built on service, with every license verifiable on NMLS Consumer Access. Our team of experienced mortgage brokers is dedicated to helping you find the perfect home loan that suits your unique needs. Whether you’re a first-time homebuyer, or looking to refinance your existing mortgage, we have the expertise to guide you through the process with ease.
Home Loan Options Tailored to Michigan Residents
As a Michigan mortgage company, we understand that every homebuyer has different requirements. That’s why we offer many home loan options to meet your needs. From FHA loans to VA loans and home equity lines of credit (HELOC), we have the expertise to navigate the complexities of the mortgage market and find loan terms that fit you.
Trust MortgagePros to provide you with personalized service and expert guidance throughout the loan process. Contact us today to secure the perfect home loan for your Michigan property.
MortgagePros serves buyers and homeowners in Detroit, Lansing, Ann Arbor, and Troy Michigan.
One office in Troy. Every county in Michigan.
We are a Michigan company first: licensed here since 2019, headquartered off I-75 in Troy, and staffed by pros who buy, sell and refinance in the same markets you do.
Most clients never visit the office. Applications, disclosures and signatures happen online, and closings happen at a title company near you or with a mobile notary at your kitchen table.
Every loan we write in Michigan.
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.
Local pages for the places we know best.
Each covers the market, the communities we serve there and the questions buyers in that area ask us.
Headquarters
Troy
Our home market and our office at Long Lake Road and I-75. Oakland and Macomb counties, and where to find us.
Wayne County
Detroit
A city of neighborhoods with different price points, appraisal realities and historic districts.
Ingham County
Lansing
The capital city, where prices let FHA and conventional loans work for most buyers, plus the tri-county area.
Washtenaw County
Ann Arbor
The tightest market in the state, relocation buyers from the university, and where the conforming line matters most.
Lakeshore to Motor City
One licensed pro, any county in Michigan, from the first call to closing.
Four things that are different about buying in Michigan.
They apply everywhere 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.
Michigan Counties We Serve
MTGPros provides mortgage services throughout Michigan, including:
Metro Detroit Area
Wayne County – Detroit, Dearborn, Livonia, Westland
Oakland County – Troy, Bloomfield Hills, Birmingham, Royal Oak
Macomb County – Sterling Heights, Clinton Township, Warren
Washtenaw County – Ann Arbor, Ypsilanti
West Michigan
Kent County – Grand Rapids, East Grand Rapids, Wyoming
Ottawa County – Holland, Grand Haven, Zeeland
Muskegon County – Muskegon, Muskegon Heights
Allegan County
Mid-Michigan
Ingham County – Lansing, East Lansing
Eaton County
Clinton County
Genesee County – Flint
Northern Michigan
Grand Traverse County – Traverse City
Leelanau County
Emmet County – Petoskey
Charlevoix County
Licensed in all 83 Michigan counties and headquartered in Troy. Local pages for Detroit, Ann Arbor, Lansing and the Michigan hub.
How it works, anywhere in Michigan.
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.
Talk to a Michigan pro today.
Purchase, refinance or cash-out, anywhere in the state. Asking does not start a loan or require a hard credit pull.
Michigan mortgage FAQ
The questions Michigan buyers and homeowners ask us most. If yours is not here, a licensed pro will answer it directly, with no obligation.
What types of home loans are available in Michigan?
At MortgagePros, we offer various types of home loans to Michigan residents. Whether you’re looking for a conventional mortgage, FHA loan, VA loan, or refinancing your existing mortgage, our team of experts will guide you through the options and help you make an informed decision.
How much of a down payment do I need to buy a home in Michigan?
The down payment requirements for purchasing a home in Michigan vary depending on the loan program and your financial situation. Our mortgage brokers will assess your circumstances and provide you with a clear understanding of the requirements.
Why should I consider refinancing my mortgage?
Refinancing your mortgage can offer several benefits, such as lower interest rates, reduced monthly payments, and the opportunity to tap into your home’s equity.
Why is my property tax estimate higher than the seller pays?
Michigan caps how fast a home’s taxable value can rise each year, and that cap comes off when ownership transfers, so your bill resets to the current state equalized value. Budget from the SEV, not the seller’s bill, and file the Principal Residence Exemption after closing.
Do I have to come to your Troy office?
No. Most Michigan clients work with us entirely by phone, email and e-signature, and close at a title company near them or with a mobile notary. The office is there if you want it, just off I-75 at Long Lake Road, with free parking.
Talk to a Michigan pro.
Tell us what you are looking to do and where in Michigan. A licensed pro 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.