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Mortgages,
Mastered.

Michigan's premium mortgage brokerage. 30+ wholesale lenders. A 21-day average close. A team that picks up the phone, from pre-approval to keys in hand.

See What You Qualify For → Call (313) 671-8818
NMLS #2485075 Equal Housing Opportunity

Get Your Personalized Rate

No credit pull · No obligation

5.0★ rated on Zillow · 30+ wholesale lenders · fast, predictable closings

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Lender Network

Built Different.
On Purpose.

Express isn't a bank. It's not a call center. It's a boutique brokerage that operates at an institutional level with the accessibility of a neighbor.

30+ Lender Network

We don't work for one bank. We shop dozens of wholesale lenders to find the rate, terms, and program that actually fit your situation — not theirs.

21-Day Average Close

Nearly half the industry average. When your offer gets accepted, we get to work immediately. No delays, no excuses, no surprises at the closing table.

Dedicated Loan Officer

You'll never be transferred to a call center or handed off to a junior processor. The same expert quarterbacks your loan from pre-approval to closing — with Mike and the senior team backing them up at every step.

Every Loan Type

Conventional, FHA, VA, USDA, Jumbo, HELOC, Construction, Down Payment Assistance — if there's a path to homeownership, we'll find it.

Every Loan Type.
One Trusted Partner.

From first-time buyers to seasoned investors, we have the program and the expertise to get it done.

Home Purchase

As low as 3% down. Fast pre-approvals that make sellers take your offer seriously.

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Refinance

Lower your rate, shorten your term, or pull cash out. We'll show you the savings before you commit.

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FHA Loans

3.5% down, flexible credit. Perfect for first-time buyers and those rebuilding.

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VA Loans

$0 down, no PMI, competitive rates. Your service earned this benefit.

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Down Payment Assistance

Programs that can cover part or all of your down payment. We'll check your eligibility.

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Construction Loans

One-close financing: buy the land, fund construction, and lock a permanent mortgage — one loan.

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Mike Sobh — Founder

Meet the
Founder.

Since 2012, Mike Sobh has built a reputation as one of Michigan's most respected mortgage professionals — not by chasing volume, but by obsessing over every detail of every loan.

A top producer and trusted advisor, Mike has personally trained hundreds of loan officers throughout his career. He founded Express Home Loans on a simple belief: every borrower deserves the kind of attention and expertise that Wall Street reserves for its biggest clients — and built a team to deliver it on every file, every time.

Mike Sobh
Founder & President · NMLS #2485075

Free Mortgage Calculators

Seller Net Sheet

Closing costs & net proceeds

Cash to Close

Full buyer cost breakdown

Payment Estimator

PITI with live rates

Refi Calculator

See how much you'd save

Trusted Across
Michigan.

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Ready to Make
Your Move?

Free consultation. No credit pull. No obligation. Just expert advice from someone who picks up the phone.

Get Your Free Quote → Call (313) 671-8818