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mortgages Buying a Home - Michigan Real Estate and Mortgages

Buying a Home - Michigan mortgages, down payment assistance and first time home buyer grants for buying Michigan real estate.

Research the available Michigan mortgages and home loan programs for buying Michigan real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Michigan real estate. 

Government grants for buying a home

Here are some links for government grants for buying a home in Michigan.

Michigan State Housing Development Authority (MSHDA)

City of Grand Rapids homebuyer assistance fund - open the door to a home of your own.

Inner City Christian Federation (ICCF) - Home Ownership Program Education (HOPE).

Habitat for Humanity in Michigan - access your local chapter and find out more about owning your own home.

Additional Organizations:

All Saints Housing, Inc.
8260 Chamberlain
Detroit, MI 48209
(313) 843-4090

Bagley Housing Association
2661 Bagley
Detroit, MI 48208
(313) 964-5942

City of Lincoln Park
1355 Southfield Rd.
Lincoln Park, MI 48146
(313) 386-1800

City of Midland
333 W. Ellsworth
Midland, MI 48641
(989) 837-3300

City of Warren
29500 Van Dyke
Warren, MI 48093
(810) 574-4687

City of Wyandotte
3131 Biddle Avenue
Wyandotte, MI 48192
(734) 324-4500

Core City Neighborhoods, Inc.
3301 Twenty-Third
Detroit, MI 48208
(313) 894-8431

Corktown Consumer Housing Cooperative
2020 Fourteenth St.
Detroit, MI 48216
(313) 965-5853

Detroit Catholic Pastoral Alliance
1641 Webb
Detroit, MI 48206
(313) 869-1314

Grandmont/Rosedale Development Corp.
15888 Archdale
Detroit, MI 48227
(313) 835-8190

Mission of Peace Counseling Center
877 E. Fifth Ave.
Flint, MI 48503
(810) 232-0104

Metro Housing Partnership
503 S. Saginaw St., Suite 510
Flint, MI 48502
(810) 767-4622

Housing Opportunities for Macomb, Inc.
15220 Ten Mile
Eastpointe, MI 48021
(810) 772-4892

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Michigan.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Michigan or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Michigan.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here



Loan Amount:

Annual Tax:

Annual Insurance:


Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Michigan Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Michigan real estate of homes for sale.

Complete the form below for direct access to the following types of Michigan real estate listings:

  • Michigan Real Estate Listings and MLS
  • Michigan HUD Homes
  • Michigan For Sale By Owner Homes
  • Michigan New Homes for Sale
  • Michigan Foreclosure Homes for Sale
Access Michigan Real Estate Listings

You will get free unlimited access to search Michigan real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.


First & Last Name

Email Address

How soon will you be buying a home?

You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

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