VA Home Loan Specialists
If you’re a veteran, active-duty service member, or a qualified family member, a VA home loan can offer you exclusive benefits when purchasing a home. At MTGPros, we specialize in helping veterans and military families in Michigan take advantage of the VA loan program to achieve homeownership with ease.
VA HOME LOAN in Michigan. Licensed in 39 states from our Troy headquarters. Rated 4.9 across 5,200+ Google reviews.
Who Qualifies for a VA Home Loan?
Veteran status
Served in the U.S. military with an honorable discharge.
Active duty
Currently serving in the U.S. military.
National Guard or Reserves
With at least six years of service.
Surviving spouse
Spouse of a veteran who died in service or as a result of a service-related injury.
To be eligible for a VA home loan, you must meet one of the following criteria: We pull your Certificate of Eligibility and confirm in minutes.
2019
Founded in Troy, Michigan
300+
Licensed loan officers on the team
4.9
Average of 5,200+ Google reviews
39
States licensed, headquartered here
What is a VA Home Loan?
A VA home loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed specifically for veterans, active-duty military personnel, and eligible surviving spouses. VA loans provide several benefits, including no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI). This makes them one of the most attractive home loan options available to those who have served our country.
Benefits of a VA Home Loan
01
No down payment
VA loans typically do not require a down payment, making it easier to get into your new home without upfront costs.
02
No PMI
Unlike conventional loans, VA loans do not require private mortgage insurance, which can save you hundreds of dollars per month.
03
Flexible credit requirements
VA loans have more lenient credit standards, allowing veterans with less-than-perfect credit to qualify.
04
Lower interest rates
VA loans often offer lower interest rates compared to conventional loans, potentially saving you thousands over the life of the loan.
How Does the VA Home Loan Process Work?
Four stages, one licensed pro, and you always know what happens next.
1
Certificate of Eligibility (COE)
The first step is obtaining your COE, which proves your eligibility for a VA loan. MTGPros can help you with this process.
2
Pre-approval
Get pre-approved for a VA loan to understand your borrowing power and begin the home search with confidence.
3
House hunting
Once pre-approved, you can start looking for your dream home in Michigan.
4
Closing
After finding a home, we’ll guide you through the closing process, ensuring everything is handled smoothly and efficiently.
The Mackinac Bridge
Michigan veterans close VA loans with us in every county, Upper Peninsula included.
Why Choose MTGPros for Your VA Loan?
At MTGPros, we take pride in serving those who have served our country. Our dedicated team will assist you every step of the way, helping you use the benefits available through the VA loan program. We understand the specific needs of veterans and military families and are committed to making your homebuying experience stress-free.
Why Choose MTGPros for Your VA Loan?
If you’re ready to explore your VA loan options, contact MTGPros today. We’ll provide a free consultation and guide you through the VA loan process, helping you make the best decision for your future.
What would the payment be?
Set the down payment to zero and choose VA as the loan type. The mortgage insurance line stays at zero no matter how little you put down. MortgagePros is not affiliated with, endorsed by, or acting on behalf of the Department of Veterans Affairs or any government agency.
Michigan has more than half a million veterans. Many have never used their benefit.
A VA loan needs no down payment and carries no monthly mortgage insurance, and lenders compete on rate for it. It is one of the most valuable mortgage benefits available, and it is available in every Michigan county.
Our pros pull the Certificate of Eligibility for you, explain the funding fee and any exemption you qualify for, and keep the purchase on track when a seller’s paperwork or the appraisal gets in the way.
Four things that are different about buying in Michigan.
They shape every VA loan we close 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 VA loan 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.
VA loans in Michigan, answered.
The questions Michigan veterans and service members ask us most.
Is there a VA loan limit in Michigan?
For borrowers with full entitlement, no. You can borrow what a lender will approve on your income and credit, with no down payment. If part of your entitlement is tied up in another VA loan, the county conforming limit of $832,750 for 2026 comes into play and a down payment may be needed above it.
Does Michigan give veterans a property tax break?
Michigan exempts the home of a veteran with a 100 percent service-connected disability rating, or who is individually unemployable, from property tax, and the exemption extends to an unremarried surviving spouse. It is claimed through your local assessor, not through the loan, and we will remind you to file it after closing.
How do I get my Certificate of Eligibility?
We pull it for you. In most cases it comes back through the VA portal within minutes using your service details. You do not need it in hand before we start.
What is the funding fee?
A one-time fee set by the VA that replaces mortgage insurance. On a first purchase with nothing down it is 2.15 percent of the loan, and it can be financed into the loan. You pay nothing if you receive compensation for a service-connected disability, and many surviving spouses are also exempt.
Do I have to come to your Troy office?
No. Michigan veterans work with us by phone, email and e-signature, and close at a title company near them or with a mobile notary. Selfridge, Camp Grayling and Fort Custer families are regular clients, and none of it requires a drive to Troy.
Check your VA eligibility.
Tell us a little about your service. A licensed pro will pull your Certificate of Eligibility and come back with real numbers, usually the same business day.
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 5,200+ Google reviews.