Local Dearborn brokerage serving Michigan homebuyers and homeowners. 30+ wholesale lenders, 21-day closes, 5.0★ Zillow rating. Walk into our Village Drive office, or get started by phone.
A local mortgage broker knows the Wayne County market, the realtors closing deals here, the title companies that get files done fast, and the Michigan-specific down payment assistance programs (MSHDA, MI Home Loan, MI 10K DPA). Express Home Loans is based in Dearborn at 22084 W Village Dr, Suite 2H — five minutes from the Henry Ford Centennial Library, ten from Fairlane Town Center. We close 21-day loans in-state with a 5.0★ Zillow track record.
Most national lenders treat every market the same. Dearborn isn't the same as Phoenix, and it isn't even the same as Grand Rapids. Here's what local expertise gets you.
Dearborn, Dearborn Heights, Allen Park, Inkster, and the western Wayne County corridor are tight markets. Our realtor partners close hundreds of deals per year in this geography. When your offer goes in, the listing agent often already knows our name — and that signals strength.
Title delays are the #1 cause of closing delays nationally. We've worked with the Wayne County title companies long enough to know which ones answer their phone, which ones run searches in 48 hours, and which ones get loans funded on the day they're scheduled.
MSHDA's MI Home Loan, MI Home Loan Flex, and MI 10K DPA programs aren't available outside Michigan. We run eligibility on every file — many first-time buyers don't know they qualify. See DPA programs →
22084 W Village Dr, Suite 2H, Dearborn MI 48124. Most clients handle everything digitally, but if you want to bring documents in person, sit across a table to look at numbers, or just shake hands — the door is open. Mon-Fri 9-7, Sat 10-5, Sun 11-4.
Whether you're buying your first home in East Dearborn, refinancing a long-time residence, or building new in west Wayne County — 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. Dearborn is in Wayne County, which uses the standard Michigan FHA limit of $524,225 for 2026.
No. While our office is in Dearborn, we serve all of Michigan and work with clients in Detroit, Livonia, Canton, Ann Arbor, Troy, Dearborn Heights, West Bloomfield, and surrounding areas. Mortgage applications can be completed entirely remotely if needed.
Dearborn residents may qualify for MSHDA (Michigan State Housing Development Authority) down payment assistance, which offers up to $10,000 for eligible first-time buyers and repeat buyers in targeted areas. Income limits and home price caps apply and vary by county. Express runs a free eligibility check on every application.