THE FHA IN Michigan

FHA loans have been helping Michigan residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

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 program.

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 FHA Mortgage Interest Rates continue to decline.

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 on your own.

Michigan FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan 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 base.

  • 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

√  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 2025

Michigan Median Home Sale Price Price $267,000

CountyOne Unit Two UnitThree Unit Four Unit
ALCONA$524,225 $671,200$811,275 $1,008,300
ALGER$524,225 $671,200$811,275 $1,008,300
ALLEGAN$524,225 $671,200$811,275 $1,008,300
ALPENA$524,225 $671,200$811,275 $1,008,300
ANTRIM$524,225 $671,200$811,275 $1,008,300
ARENAC$524,225 $671,200$811,275 $1,008,300
BARAGA$524,225 $671,200$811,275 $1,008,300
BARRY$524,225 $671,200$811,275 $1,008,300
BAY$524,225 $671,200$811,275 $1,008,300
BENZIE$524,225 $671,200$811,275 $1,008,300
BERRIEN$524,225 $671,200$811,275 $1,008,300
BRANCH$524,225 $671,200$811,275 $1,008,300
CALHOUN$524,225 $671,200$811,275 $1,008,300
CASS$524,225 $671,200$811,275 $1,008,300
CHARLEVOIX$524,225 $671,200$811,275 $1,008,300
CHEBOYGAN$524,225 $671,200$811,275 $1,008,300
CHIPPEWA$524,225 $671,200$811,275 $1,008,300
CLARE$524,225 $671,200$811,275 $1,008,300
CLINTON$524,225 $671,200$811,275 $1,008,300
CRAWFORD$524,225 $671,200$811,275 $1,008,300
DELTA$524,225 $671,200$811,275 $1,008,300
DICKINSON$524,225 $671,200$811,275 $1,008,300
EATON$524,225 $671,200$811,275 $1,008,300
EMMET$524,225 $671,200$811,275 $1,008,300
GENESEE$524,225 $671,200$811,275 $1,008,300
GLADWIN$524,225 $671,200$811,275 $1,008,300
GOGEBIC$524,225 $671,200$811,275 $1,008,300
GRAND TRAVERSE$524,225 $671,200$811,275 $1,008,300
GRATIOT$524,225 $671,200$811,275 $1,008,300
HILLSDALE$524,225 $671,200$811,275 $1,008,300
HOUGHTON$524,225 $671,200$811,275 $1,008,300
HURON$524,225 $671,200$811,275 $1,008,300
INGHAM$524,225 $671,200$811,275 $1,008,300
IONIA$524,225 $671,200$811,275 $1,008,300
IOSCO$524,225 $671,200$811,275 $1,008,300
IRON$524,225 $671,200$811,275 $1,008,300
ISABELLA$524,225 $671,200$811,275 $1,008,300
JACKSON$524,225 $671,200$811,275 $1,008,300
KALAMAZOO$524,225 $671,200$811,275 $1,008,300
KALKASKA$524,225 $671,200$811,275 $1,008,300
KENT$524,225 $671,200$811,275 $1,008,300
KEWEENAW$524,225 $671,200$811,275 $1,008,300
LAKE$524,225 $671,200$811,275 $1,008,300
LAPEER$524,225 $671,200$811,275 $1,008,300
LEELANAU$524,225 $671,200$811,275 $1,008,300
LENAWEE$524,225 $671,200$811,275 $1,008,300
LIVINGSTON$524,225 $671,200$811,275 $1,008,300
LUCE$524,225 $671,200$811,275 $1,008,300
MACKINAC$524,225 $671,200$811,275 $1,008,300
MACOMB$524,225 $671,200$811,275 $1,008,300
MANISTEE$524,225 $671,200$811,275 $1,008,300
MARQUETTE$524,225 $671,200$811,275 $1,008,300
MASON$524,225 $671,200$811,275 $1,008,300
MECOSTA$524,225 $671,200$811,275 $1,008,300
MENOMINEE$524,225 $671,200$811,275 $1,008,300
MIDLAND$524,225 $671,200$811,275 $1,008,300
MISSAUKEE$524,225 $671,200$811,275 $1,008,300
MONROE$524,225 $671,200$811,275 $1,008,300
MONTCALM$524,225 $671,200$811,275 $1,008,300
MONTMORENCY$524,225 $671,200$811,275 $1,008,300
MUSKEGON$524,225 $671,200$811,275 $1,008,300
NEWAYGO$524,225 $671,200$811,275 $1,008,300
OAKLAND$524,225 $671,200$811,275 $1,008,300
OCEANA$524,225 $671,200$811,275 $1,008,300
OGEMAW$524,225 $671,200$811,275 $1,008,300
ONTONAGON$524,225 $671,200$811,275 $1,008,300
OSCEOLA$524,225 $671,200$811,275 $1,008,300
OSCODA$524,225 $671,200$811,275 $1,008,300
OTSEGO$524,225 $671,200$811,275 $1,008,300
OTTAWA$524,225 $671,200$811,275 $1,008,300
PRESQUE ISLE$524,225 $671,200$811,275 $1,008,300
ROSCOMMON$524,225 $671,200$811,275 $1,008,300
SAGINAW$524,225 $671,200$811,275 $1,008,300
SANILAC$524,225 $671,200$811,275 $1,008,300
SCHOOLCRAFT$524,225 $671,200$811,275 $1,008,300
SHIAWASSEE$524,225 $671,200$811,275 $1,008,300
ST. CLAIR$524,225 $671,200$811,275 $1,008,300
ST. JOSEPH$524,225 $671,200$811,275 $1,008,300
TUSCOLA$524,225 $671,200$811,275 $1,008,300
VAN BUREN$524,225 $671,200$811,275 $1,008,300
WASHTENAW$524,225 $671,200$811,275 $1,008,300
WAYNE$524,225 $671,200$811,275 $1,008,300
WEXFORD$524,225 $671,200$811,275 $1,008,300