Local Michigan brokerage serving Detroit homebuyers and homeowners. 30+ wholesale lenders, 21-day closes, 5.0★ Zillow rating. Our Dearborn office is just 15 minutes away — most Detroit clients close entirely by phone.
Detroit is one of Michigan's most diverse housing markets — historic neighborhoods with restoration opportunities, dense new builds in Midtown and downtown, and rapidly appreciating areas in Corktown and Brush Park. Median home prices vary widely by neighborhood, from under $100K in some areas to $400K+ in established districts.
Loans aren't the same in every market. Detroit's specifics matter — and we've closed enough loans here to know them.
Detroit's market has dozens of micro-markets — what works in Grandmont doesn't work in Greektown. Our realtor partners specialize by district, and we route you to the agent who knows your target neighborhood block-by-block.
Detroit title work can be complex — older properties may have chain-of-title issues, tax liens from the foreclosure crisis era, or boundary discrepancies. We work with title companies that specialize in Detroit closings and resolve these quickly rather than letting them stall your file.
Detroit qualifies for the standard MSHDA programs (MI Home Loan, MI 10K DPA) plus city-specific programs like the Detroit Home Mortgage program and various neighborhood-specific revitalization grants. Many properties also qualify for renovation loans (FHA 203k, Fannie Mae HomeStyle) which roll repair costs into the mortgage. See DPA programs →
Our Dearborn office is a 15-minute drive west of downtown Detroit. Most Detroit clients handle everything by phone and online — we close 21-day loans for Detroit buyers regularly.
Detroit neighborhoods we've closed in: Midtown, Corktown, West Village, Indian Village, Boston-Edison, Rosedale Park, Sherwood Forest, Bagley.
Whether you're buying your first home in Detroit, 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. Detroit is in Wayne 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 Detroit clients. Mortgage applications can be completed entirely remotely if needed — most Detroit clients work with us by phone and digital signature.
Yes. FHA 203(k) and Fannie Mae HomeStyle Renovation loans roll the purchase price and repair costs into a single mortgage. This is especially valuable in Detroit, where many properties are priced below market because they need work. We've closed dozens of renovation loans for Detroit buyers — typical scenarios range from $20K updates to full $100K+ rehabs.