Capital Home Mortgage Michigan

Michigan Home Loans

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Michigan Mortgage Lender

Home Loans in Michigan

Welcome to Capital Home Mortgage Michigan, where we strive to provide Michigan Home Loans to Michigan homebuyers and homeowners at competitive rates and fees while giving great service.  First and foremost, we’d like to thank you for the opportunity to earn your business.  We recognize that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Michigan offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience, with an on-time close.  After all, buying a home should be enjoyable as opposed to stressful.

Capital Home Mortgage Michigan, as a direct Michigan Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, sensible approvals and timely closings.  We have complete control over every detail from the application to funding.

Capital Home Mortgage Michigan is a full-service Michigan Mortgage Company that offers a wide range of mortgage products as well as competitive Maine Mortgage Rates.  Whether you are a first-time purchaser seeking an Michigan FHA Home Loan, looking for a rural property and needing an Michigan USDA Home Loan, a Native Michigan wanting to use the HUD 184  Michigan Native American Home Loan, an active or retired veteran in need of an Michigan VA Home Loan, or a seasoned buyer in need of an Michigan Conventional Home Loan, we are here to assist.

Call today (616) 294-0565 to talk to one of our Michigan Loan Officers.

Michigancommonly referred to as “The Great Lakes State.” due to it’s vast Great Lakes coastline.  Michigan is situated in the United States’ Midwest and Great Lakes areas.   It is the eleventh-largest state in terms of area.  Four of the five Great Lakes encircle the state: Lake Superior, Lake Michigan, Lake Huron, and Lake Erie.  Michigan is the 10th most populous state in the U.S., with a diverse population comprising various ethnicities and cultural backgrounds. 

Historically, Michigan’s economy has been heavily reliant on manufacturing, particularly in the automotive sector. Detroit, often referred to as the “Motor City,” was a major hub for automobile production. However, the state’s economy has diversified over the years, with significant contributions from sectors such as healthcare, technology, agriculture, tourism, and research.

Numerous notable universities, such as Wayne State University, Michigan State University, and University of Michigan, are located in Michigan. These organizations provide major contributions to education, research, and innovation both inside and outside of the state.

Michigan is a state rich in natural resources, such as its forests, farmland, and freshwater lakes. Travelers are drawn to the state by its scenic splendor for outdoor pursuits like boating, fishing, hiking, and camping.

With influences from European settlers, immigrant populations, and Native American tribes, Michigan boasts a diverse cultural legacy. 

With professional clubs in major sports leagues like the Detroit Tigers (MLB), Detroit Lions (NFL), Detroit Pistons (NBA), and Detroit Red Wings (NHL), Michigan boasts a fervent sports culture. A considerable number of people watch college sports, especially football and basketball, with Michigan State University and the University of Michigan being two of the top teams in NCAA contests.

All things considered, Michigan is a lively and enticing state to live in or visit because it provides a blend of natural beauty, cultural diversity, economic opportunity, and leisure activities.

Overall, Michigan has seen steady growth in home prices and sales in recent years, although there may be variations depending on the region.

The average cost of a home in Michigan varies based on the geography, with metropolitan areas typically costing more than rural or suburban locations.  For example, Detroit and the surrounding suburbs have a wide variety of housing alternatives at various price points, although Grand Rapids and Ann Arbor may have higher median home prices as a result of high demand and low supply.

The dynamics of the real estate market may be impacted by the availability of housing inventory.  There hasn’t been as much housing available in some areas of Michigan in recent years, which has boosted buyer competition and driven up costs. In some areas, nevertheless, recent building initiatives and residential developments are assisting in resolving this problem.

Because of the state’s many colleges, Michigan has a thriving rental market where demand is influenced by a number of factors including job prospects, the state’s large student population, and individual lifestyle choices. The location and kind of property determine a wide range of rental costs; in general, metropolitan regions attract higher rentals than suburban or rural locations.

There are a number of real estate investment options available in Michigan, including land development, holiday rentals, and residential and commercial real estate. Investors may find certain places especially appealing because of things like potential for appreciation, infrastructure development, and economic expansion.

The real estate market is significantly influenced by Michigan’s economy. The demand for housing, property values, and investment prospects can be influenced by variables like employment growth, salary trends, industry diversification, and general economic stability.


All things considered, the Michigan real estate market provides a variety of possibilities in terms of location, property type, and price range for buyers, sellers, and investors. Making educated judgments requires extensive research and collaboration with competent experts, just as in any real estate market.

Thank you again for allowing us to help you with your Michigan Home Loan.

Michigan Home Loans

Michigan Conventional Home Loans

Michigan Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Michigan FHA Home Loans

Michigan FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Michigan FHA home loan is consistent employment history and documented income.

Michigan VA Home Loans

Michigan VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Michigan.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Michigan USDA Home Loans

Michigan USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Michigan Jumbo Home Loans

A Michigan Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Michigan Non QM Home Loans

Michigan Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Michigan Native american Home Loans

A Michigan Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Michigan Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Michigan One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Michigan One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Michigan HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Michigan Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Michigan Home Mortgage Programs

Michigan Home Purchase loans

Looking to Purchase a Michigan Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Michigan Renovation Home Loans

Looking to Rehab a Michigan Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Michigan FHA Home loans

Great 1st Time Michigan Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Michigan va Home Loans

100% Financing for Michigan Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Michigan Conventional Home loans

Flexibility for Michigan Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Michigan Jumbo Home Loans

Michigan Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Michigan USDA Home loans

Michigan 100% Rural Michigan Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Michigan Native american Home Loans

Michigan Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Michigan Manufactured Home loans

Great Michigan Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Michigan Reverse Mortgage Loans

Your Michigan Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Michigan Non QM Home loans

Making Michigan Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Michigan One Time Close Home Loans

Build Your Michigan Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Michigan Refinance Mortgage loans

Michigan Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Michigan Cashout Mortgage Loans

Michigan Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Michigan Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Jordan Mowrey

SR Loan Officer
NMLS 210325

Susan Adams

Sr Loan Officer
NMLS #105389

Michigan Mortgage Company Reviews

Michigan Cities

Detroit Home Loans

Grand rapids Home Loans

Warren City Home Loans

Sterling Heights Home Loans

Ann Arbor Home Loans

Lansing Home Loans

Dearborn Home Loans

Clinton Home Loans

Canton Home Loans

State Specific Mortgage Information

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