Loan Programs
Your Michigan home or investment deserves the right financing. We offer a full spectrum of loan programs, including Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans, as well as expert commercial and investment lending services. Discover a simpler, smarter mortgage experience built for you.
Conventional Home Loans
Great choice for a wide range of Michigan homebuyers. Down payment options as low as 3%.
FHA Home Loans
First-time homebuyers, borrowers with lower credit scores, or those with a smaller down payment.
VA Home Loans
Active-duty military members, veterans, and eligible surviving spouses.
Home Equity Loans
Works like a credit card, giving you on-demand access to funds for ongoing needs.
USDA Loans
100% financing for homeownership in Michigan’s eligible rural and suburban communities.
Non-QM Loans
For self-employed individuals, real estate investors, or borrowers with unique income scenarios.
Mixed-use Multi-family
Buildings with retail on the first floor and apartments above or a duplex, triplex, or larger apartment complex
Commercial Mortgages
Income-producing properties, including office buildings, retail centers, warehouses, and industrial facilities.
No Income Check Loans
We offer these types of loans for borrowers with strong assets or investment income but limited income documentation.
Bank Statement Loans
We offer these types of loans for self-employed borrowers to qualify using business or personal bank statements.
DSCR Loans
We offer these types of loans for real estate investors who qualify based on the rental income of the property rather than their personal income.
Foreign National Loans
We offer these types of loans for foreign nationals looking to purchase or refinance U.S. real estate without the need for U.S. credit or income documentation.
Fix & Flip Rehab Loans
We offer these types of loans for investors purchasing and renovating properties, providing quick financing for acquisition and rehab costs.
1099 Only Loans
We offer these types of loans for independent contractors and self-employed borrowers who qualify using their 1099 income instead of tax returns.
P&L Home Loans
We offer these types of loans for self-employed borrowers who qualify using a CPA-prepared profit and loss statement instead of traditional income documentation.
Non-Warrantable Condo Loans
We offer these types of loans for buyers and investors purchasing condos that don’t meet Fannie Mae or Freddie MМас warrantability guidelines.
Short-Term Rental Loans
Our Short-Term Rental Mortgage Loans allow investors to finance or refinance properties listed on platforms like Airbnb and VRBO.
1099 Only Loan
Our 1099 Only Program helps Michigan’s self-employed borrowers qualify using just their 1099 income, no tax returns, no personal income required, just last year’s 1099 form.
Asset Qualifier Program
Our Asset Qualifier Program allows Michigan borrowers to qualify using verified assets instead of personal income documentation. Perfect program with individuals who have money in the bank.
