Your No Excuses Mortgage Lender in Michigan
Empowering first-time buyers from Grand Rapids to Detroit with comprehensive education, FHA expertise, and customized Michigan home loan programs.
Expert Home Loan Guidance in Michigan
Navigating the real estate market in Michigan requires a local expert who understands the nuances of the area. Whether you are buying in Detroit, Grand Rapids, Lansing, or anywhere else in the state, Rob Miller brings 20+ years of experience to ensure your loan closes smoothly.
Comprehensive first-time buyer education
MSHDA MI 10K DPA expert
MISTATE-friendly lending options
Local market insight for the Grand Rapids & Detroit areas
Michigan Down Payment Assistance
The Michigan State Housing Development Authority (MSHDA) pairs its MI Home Loan with the MI 10K DPA — a statewide $10,000, 0% interest, non-amortizing second mortgage with no monthly payment, now expanded beyond the original targeted ZIP codes to cover buyers across the state. MSHDA also periodically runs a First-Generation Down Payment Assistance pilot offering up to $25,000 for buyers whose family hasn't owned before — funding availability shifts, so Rob can confirm what's currently open. All MSHDA programs work with FHA, VA, USDA, and conventional financing.
Where We're Lending in Michigan
Michigan's housing market spans a wide range of price points, and MSHDA assistance reaches all of it. We're active in:
- Detroit Metro — Detroit, and Downriver communities including Taylor, Lincoln Park, Ecorse, and Wyandotte (several with targeted-area MSHDA eligibility)
- Grand Rapids Metro — Grand Rapids, Wyoming, Kentwood
- West Michigan — Kalamazoo, Portage, Battle Creek, St. Joseph
- Lansing Metro — Lansing, East Lansing, and surrounding Ingham County
- Ann Arbor & Washtenaw County — Ann Arbor, Ypsilanti, Saline
- Flint & Genesee County — Flint, Grand Blanc, Fenton
Rob helps buyers in each of these areas confirm MSHDA eligibility and targeted-area status for their specific address.
Major Cities Served in Michigan
Ready to Get Started in Michigan?
Take the first step toward your dream home. Fill out the contact form, and Rob will personally reach out to discuss your options and build a customized mortgage strategy for your Michigan property.