Local Michigan brokerage serving Livonia homebuyers and homeowners. 30+ wholesale lenders, 21-day closes, 5.0★ Zillow rating. Our Dearborn office is just 15 minutes away — most Livonia clients close entirely by phone.
Livonia is one of metro Detroit's most stable suburban markets — strong school district, well-maintained mid-century housing stock, and consistent year-over-year appreciation. Median home prices typically run $280K-$400K depending on neighborhood, with newer construction on the west side commanding premiums.
Loans aren't the same in every market. Livonia's specifics matter — and we've closed enough loans here to know them.
Livonia's market moves fast — well-priced homes in good condition often go under contract within 7 days. A strong pre-approval letter (not a "pre-qual") is what wins the bidding wars here. Our 30+ wholesale lenders lets us deliver the right loan type for the right offer strategy.
Most Livonia properties have clean title and uncomplicated closings, but we still pre-screen for HOA assessments in newer developments, easements affecting setback, and any solar lease transfers that might be in play.
Livonia qualifies for the standard MSHDA programs including MI Home Loan (up to 7% down payment assistance as a second mortgage) and MI 10K DPA ($10,000 forgivable for first-time buyers in targeted areas). Income limits for Wayne County apply. See DPA programs →
Our Dearborn office is a 15-minute drive south of Livonia. We meet many Livonia clients in person; others handle the entire process by phone and digital signature.
Livonia neighborhoods we've closed in: Rosedale Gardens, Bonaparte, Coventry Gardens, Compton Village, Burton Hollow, Lakes of Bridgewater, Devon-Aire.
Whether you're buying your first home in Livonia, 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. Livonia 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 Livonia clients. Mortgage applications can be completed entirely remotely if needed — most Livonia clients work with us by phone and digital signature.
In Livonia, sellers see multiple offers within days. A fully underwritten pre-approval (not just pre-qualified) gives you a critical edge — sellers know your financing won't fall through. Express provides full underwriting upfront and can often beat competing offers on terms even when your price is similar. We've seen clients win bids at lower numbers because their financing was stronger.