Mortgage loans in Michigan
Justin Mackler is licensed to originate home loans in Michigan. Here is how a Michigan loan works with him, which programs are available, and a few state rules worth knowing.
How a Michigan loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Michigan title or closing professional handle the appraisal and title work.
- Closings take place in Michigan with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Michigan
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
MSHDA's MI Home Loan can be paired with the MI 10K DPA Loan, an interest-free deferred loan for down payment and closing costs, subject to eligibility and homebuyer education through a MSHDA-approved lender. Michigan State Housing Development Authority (MSHDA)
Michigan details to know
- Michigan's state real estate transfer tax is $3.75 per $500 of value and is legally the seller's responsibility, paid through the county when the deed is recorded. A separate county transfer tax also applies. Source: Michigan Treasury: State Real Estate Transfer Tax
- A transfer of ownership uncaps a property's taxable value in the year after the sale, so a buyer's taxes can differ from the seller's. Buyers must file a Property Transfer Affidavit with the local assessor within 45 days. Source: Michigan Treasury: Changes in Ownership and Uncapping
- To receive the principal residence exemption, file Form 2368 with the local assessor by June 1 (summer levy) or November 1 (winter levy). Source: Michigan Treasury: PRE Claim Requirement
- For 2026, every county in Michigan uses FHFA's baseline one-unit conforming loan limit of $832,750, with no high-cost county adjustments. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Michigan purchase or refinance and he will follow up with real options.
Michigan mortgage questions
Can Justin Mackler help with a mortgage in Michigan?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Michigan through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Michigan?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Michigan with a local title company, closing attorney or settlement agent, as state rules require.
Why might my Michigan property taxes be higher than the seller's?
When a home sells, its taxable value is uncapped the following year and can reset toward the current assessed value. Filing the Property Transfer Affidavit and the principal residence exemption affidavit on time helps make sure you are taxed correctly.
Does MSHDA offer down payment help?
Yes. The MI 10K DPA Loan can be combined with a MI Home Loan, subject to income, credit and other requirements. It is deferred and must be repaid when the home is sold, refinanced or the first mortgage is paid off.
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Share your goal, price or loan amount, credit range, timeline, and your Michigan property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.