We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN MICHIGAN

FHA loans have been helping Michigan residents since 1934

A licensed Michigan FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

Michigan First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Michigan with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Michigan FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.

Michigan FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.

Michigan FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan that best fits your needs.

√ Complete an easy 2 minute application form.

√ We will forward your application to one and only one FHA Approved Lender who can best help you based upon:

The type of loan you requested
Your down-payment (if purchase loan)
The location (State) your property is located
Your credit history
The best rate available for your loan

√ An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√ Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√ Review with no obligations your FHA Loan Pre-approval and locked rate.

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Michigan FHA Lending Limits 2022

Michigan Median Home Sale Price Price $147,000

County Name	Single	Duplex	3 Unit	4 Unit
ALCONA	$275,665	$352,950	$426,625	$530,150

ALGER	$275,665	$352,950	$426,625	$530,150

ALLEGAN	$275,665	$352,950	$426,625	$530,150
HOLLAND, MI

ALPENA	$275,665	$352,950	$426,625	$530,150
ALPENA, MI
ANTRIM	$275,665	$352,950	$426,625	$530,150
ARENAC	$275,665	$352,950	$426,625	$530,150
BARAGA	$275,665	$352,950	$426,625	$530,150
BARRY	$275,665	$352,950	$426,625	$530,150
GRAND RAPIDS-WYOMING, MI
BAY	$275,665	$352,950	$426,625	$530,150
BAY CITY, MI

BENZIE	$275,665	$352,950	$426,625	$530,150
TRAVERSE CITY, MI
BERRIEN	$275,665	$352,950	$426,625	$530,150
NILES-BENTON HARBOR, MI
BRANCH	$275,665	$352,950	$426,625	$530,150
COLDWATER, MI
CALHOUN	$275,665	$352,950	$426,625	$530,150
BATTLE CREEK, MI
CASS	$275,665	$352,950	$426,625	$530,150
SOUTH BEND-MISHAWAKA, IN-MI
CHARLEVOIX	$275,665	$352,950	$426,625	$530,150
CHEBOYGAN	$275,665	$352,950	$426,625	$530,150
CHIPPEWA	$275,665	$352,950	$426,625	$530,150
SAULT STE. MARIE, MI
CLARE	$275,665	$352,950	$426,625	$530,150
CLINTON	$275,665	$352,950	$426,625	$530,150
LANSING-EAST LANSING, MI
CRAWFORD	$275,665	$352,950	$426,625	$530,150
NON-METRO
DELTA	$275,665	$352,950	$426,625	$530,150
ESCANABA, MI
DICKINSON	$275,665	$352,950	$426,625	$530,150
IRON MOUNTAIN, MI-WI
EATON	$275,665	$352,950	$426,625	$530,150
LANSING-EAST LANSING, MI
EMMET	$275,665	$352,950	$426,625	$530,150
GENESEE	$275,665	$352,950	$426,625	$530,150
FLINT, MI

GLADWIN	$275,665	$352,950	$426,625	$530,150

GOGEBIC	$275,665	$352,950	$426,625	$530,150
GRAND TRAVERSE	$275,665	$352,950	$426,625	$530,150
TRAVERSE CITY, MI
GRATIOT	$275,665	$352,950	$426,625	$530,150
ALMA, MI
HILLSDALE	$275,665	$352,950	$426,625	$530,150
HILLSDALE, MI
HOUGHTON	$275,665	$352,950	$426,625	$530,150
HOUGHTON, MI
HURON	$275,665	$352,950	$426,625	$530,150
INGHAM	$275,665	$352,950	$426,625	$530,150
LANSING-EAST LANSING, MI
IONIA	$275,665	$352,950	$426,625	$530,150
IONIA, MI
IOSCO	$275,665	$352,950	$426,625	$530,150
IRON	$275,665	$352,950	$426,625	$530,150
NON-METRO
ISABELLA	$275,665	$352,950	$426,625	$530,150
MOUNT PLEASANT, MI
JACKSON	$275,665	$352,950	$426,625	$530,150
JACKSON, MI
KALAMAZOO	$275,665	$352,950	$426,625	$530,150
KALAMAZOO-PORTAGE, MI
KALKASKA	$275,665	$352,950	$426,625	$530,150
TRAVERSE CITY, MI
KENT	$275,665	$352,950	$426,625	$530,150
GRAND RAPIDS-WYOMING, MI

KEWEENAW	$275,665	$352,950	$426,625	$530,150
HOUGHTON, MI

LAKE	$275,665	$352,950	$426,625	$530,150
NON-METRO
LAPEER	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
LEELANAU	$275,665	$352,950	$426,625	$530,150
TRAVERSE CITY, MI
LENAWEE	$275,665	$352,950	$426,625	$530,150
ADRIAN, MI
LIVINGSTON	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
LUCE	$275,665	$352,950	$426,625	$530,150
MACKINAC	$275,665	$352,950	$426,625	$530,150
MACOMB	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
MANISTEE	$275,665	$352,950	$426,625	$530,150
NON-METRO
MARQUETTE	$275,665	$352,950	$426,625	$530,150
MARQUETTE, MI
MASON	$275,665	$352,950	$426,625	$530,150
LUDINGTON, MI
MECOSTA	$275,665	$352,950	$426,625	$530,150
BIG RAPIDS, MI
MENOMINEE	$275,665	$352,950	$426,625	$530,150
MARINETTE, WI-MI
MIDLAND	$275,665	$352,950	$426,625	$530,150
MIDLAND, MI
MISSAUKEE	$275,665	$352,950	$426,625	$530,150
CADILLAC, MI
MONROE	$275,665	$352,950	$426,625	$530,150
MONROE, MI
MONTCALM	$275,665	$352,950	$426,625	$530,150
GRAND RAPIDS-WYOMING, MI
MONTMORENCY	$275,665	$352,950	$426,625	$530,150
MUSKEGON	$275,665	$352,950	$426,625	$530,150
MUSKEGON, MI
NEWAYGO	$275,665	$352,950	$426,625	$530,150
OAKLAND	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
OCEANA	$275,665	$352,950	$426,625	$530,150
OGEMAW	$275,665	$352,950	$426,625	$530,150
ONTONAGON	$275,665	$352,950	$426,625	$530,150
OSCEOLA	$275,665	$352,950	$426,625	$530,150
NON-METRO
OSCODA	$275,665	$352,950	$426,625	$530,150
OTSEGO	$275,665	$352,950	$426,625	$530,150
OTTAWA	$275,665	$352,950	$426,625	$530,150
GRAND RAPIDS-WYOMING, MI
PRESQUE ISLE	$275,665	$352,950	$426,625	$530,150
ROSCOMMON	$275,665	$352,950	$426,625	$530,150
SAGINAW	$275,665	$352,950	$426,625	$530,150
SAGINAW, MI
SANILAC	$275,665	$352,950	$426,625	$530,150
SCHOOLCRAFT	$275,665	$352,950	$426,625	$530,150
NON-METRO
SHIAWASSEE	$275,665	$352,950	$426,625	$530,150
OWOSSO, MI
ST. CLAIR	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
ST. JOSEPH	$275,665	$352,950	$426,625	$530,150
STURGIS, MI
TUSCOLA	$275,665	$352,950	$426,625	$530,150
VAN BUREN	$275,665	$352,950	$426,625	$530,150
KALAMAZOO-PORTAGE, MI
WASHTENAW	$275,665	$352,950	$426,625	$530,150
ANN ARBOR, MI

WAYNE	$275,665	$352,950	$426,625	$530,150
DETROIT-WARREN-DEARBORN, MI
WEXFORD	$275,665	$352,950	$426,625	$530,150
CADILLAC, MI

FHA Loan Information

The FHA does not lend money. The FHA (Federal Housing Administration) is part of HUD & backs individual Approved Lenders.

Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your Credit Score, your State Location, and the Type of Loan you apply for. Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

Read more

FHA News & Information

Last week's drop in interest rates sparked a surge in purchase mortgage application volume for the first time in over a month.

FHA Government Loans | 4301 50th St. NW | Suite 300 | Washington DC 20016

FHA Government Loans .org is a not a lender or a mortgage broker. We do not direct market by phone or email consumers. We do not provide any loans, loan modifications or foreclosure services. Note- FHA Government Loans .org is not affiliated with HUD or FHA and is not a government agency. FHA Government Loans .org is a website that provides information about mortgages and loans and does not offer loans or mortgages directly or indirectly through and representatives or agents. Any request for mortgages will be arranged by third party providers We do not direct market by phone or email towards consumers. FHA Government Loans .org is known as Mortgage Information Technologies LLC in lieu of true name, is a news and information service providing Federal Housing Authority news, content and directory information relative to mortgages and loans. We are not responsible for the accuracy of information and/or interest rates represented and we are under the assumption that all content is in accordance with the Copyright Policies of the United States of America and territories If you are suspicious of any fraudulent activities or if you have any questions Contact Us or your local HUD Agency or the Office of the Inspector General.