Local Michigan brokerage serving Ann Arbor homebuyers and homeowners. 30+ wholesale lenders, 21-day closes, 5.0★ Zillow rating. Our Dearborn office is just 45 minutes away — most Ann Arbor clients close entirely by phone.
Ann Arbor is Michigan's most expensive major market — driven by the University of Michigan, a diversified tech and biotech employment base, and consistent in-migration. Median home prices commonly exceed $500K in established neighborhoods, with central districts (Burns Park, Old West Side) regularly clearing $700K-$1M+. Jumbo loans are common.
Loans aren't the same in every market. Ann Arbor's specifics matter — and we've closed enough loans here to know them.
Ann Arbor's market is competitive but rewards prepared buyers. Sellers value certainty of close, and academic-calendar timing creates predictable seasonal cycles. We coordinate with realtor partners who specialize in the U-M faculty/researcher demographic and understand the documentation specifics for academic appointments.
Ann Arbor closings can involve unique factors: U-M faculty housing assistance programs, condo conversions in older buildings, and historic district restrictions in central neighborhoods. We pre-screen all of these to keep your timeline intact.
Most Ann Arbor purchases exceed income limits for MSHDA first-time buyer programs, but the MI Home Loan Flex serves higher-income buyers in eligible areas. For jumbo financing, we work with portfolio lenders offering competitive rates on loans above the $524,225 conforming FHA limit. See DPA programs →
Our Dearborn office is 45 minutes east of Ann Arbor. Almost all Ann Arbor clients handle the process by phone and digital signature, with occasional in-person closings at Washtenaw County title companies.
Ann Arbor neighborhoods we've closed in: Burns Park, Old West Side, Lower Burns Park, Kerrytown, Water Hill, Lansdowne, Eberwhite, Scio Farms.
Whether you're buying your first home in Ann Arbor, refinancing a long-time residence, or moving up to a larger property — we have a program that fits.
Conventional, FHA, VA, USDA, Jumbo. Pre-approval in hours, 21-day close. Learn more →
Rate-and-term to lower your payment, or cash-out for renovation/debt consolidation. Learn more →
Tap your equity for renovation, debt consolidation, or bridge financing. Learn more →
MSHDA grants and forgivable loans for Michigan first-time buyers. Learn more →
A mortgage broker shops your loan across multiple wholesale lenders to find the best rate and program for your situation. A bank can only offer their own products. Express Home Loans works with 30+ wholesale lenders, so we can compare rates across the market on every file.
Mortgage rates are set nationally based on bond markets, so the base rate is the same across Michigan. However, county-level appraisal values, FHA loan limits, and down payment assistance programs vary by location. Ann Arbor is in Washtenaw County, which uses the standard Michigan FHA limit of $524,225 for 2026.
No. Our office is in Dearborn, but we serve all of Michigan and regularly close loans for Ann Arbor clients. Mortgage applications can be completed entirely remotely if needed — most Ann Arbor clients work with us by phone and digital signature.
Yes. Jumbo loans (above the conforming FHA/conventional limit) are common in Ann Arbor where median home prices in central neighborhoods exceed that threshold. We work with portfolio lenders and jumbo wholesale specialists who offer competitive rates, often comparable to conforming rates for borrowers with strong credit (740+) and 20%+ down. Loan limits go up to $2M+ on portfolio products.