Mortgage Lender in Michigan | Extreme Loans

Extreme Loans is a Michigan-based mortgage lender licensed to help homebuyers and homeowners across the state. Whether you are purchasing your first home, upgrading to something larger, or refinancing to lower your payment, our Extreme Mortgage Bankers deliver an honest, fast, and easy experience from application to closing.

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Michigan Mortgage Loans We Offer

We offer a full range of residential mortgage programs to meet the needs of Michigan borrowers:

  • VA Loans: Zero-down financing for veterans, active-duty service members, and eligible surviving spouses
  • FHA Loans: Low down payment mortgages with flexible credit requirements — as little as 3.5% down
  • Conventional Loans: Conforming and non-conforming conventional mortgages with competitive rates
  • Jumbo Loans: Financing for high-value Michigan properties above conventional loan limits
  • USDA Loans: Zero-down mortgages for eligible rural and suburban Michigan borrowers
  • Non-QM / DSCR Loans: Bank statement loans and investment property financing for self-employed and real estate investors
  • Refinance: Rate-and-term refinance, cash-out refinance, FHA Streamline, and VA IRRRL

Why Choose Extreme Loans as Your Michigan Mortgage Lender?

  • Michigan-based: We are headquartered in Southfield, MI — we know this market
  • 14-day average close: Faster than most banks and online lenders
  • In-house processing and underwriting: Fewer delays, faster decisions
  • Honest from day one: No bait-and-switch rates, no surprise fees
  • Dedicated mortgage banker: You work with one person from application to closing
  • Licensed in 33 states: Including Michigan, California, Florida, and more
  • 4.9-star Google rating: Over 1,700 verified reviews from real clients

Michigan Cities We Serve

Extreme Loans is licensed to originate mortgage loans across all of Michigan. We regularly serve borrowers in:

  • Detroit and Metro Detroit (Dearborn, Warren, Sterling Heights, Troy, Livonia)
  • Grand Rapids and West Michigan
  • Ann Arbor and Washtenaw County
  • Lansing and Mid-Michigan
  • Flint and Genesee County
  • Kalamazoo and Southwest Michigan
  • Traverse City and Northern Michigan
  • Upper Peninsula communities

Michigan Mortgage Process: How It Works

  1. Apply online in minutes: Complete our simple application at your own pace
  2. Credit review and program selection: Your mortgage banker reviews your file and identifies the best loan program for your situation
  3. Pre-approval letter: Get a verified pre-approval letter ready for your real estate agent
  4. Processing and underwriting: Our in-house team moves fast — average decision in days, not weeks
  5. Closing: We coordinate with your agent, title company, and attorney for a smooth closing

Frequently Asked Questions: Michigan Mortgage Lender

What types of home loans does Extreme Loans offer in Michigan?

We offer VA, FHA, USDA, conventional, jumbo, and non-QM loans in Michigan. We also do purchase, refinance, and cash-out refinance transactions.

How fast can Extreme Loans close a mortgage in Michigan?

Our average close time is 14 days from application to closing — significantly faster than the national average of 45+ days. Timelines can vary depending on the loan type and client responsiveness.

What credit score do I need to get a mortgage in Michigan with Extreme Loans?

We work with credit scores starting at 550. Minimum scores vary by loan program: FHA allows as low as 500, VA has no official minimum, and conventional loans typically require 620+.

Does Extreme Loans lend anywhere in Michigan?

Yes. We are licensed statewide and can originate mortgage loans in all Michigan counties — from Wayne County in Metro Detroit to the Upper Peninsula.

Can I refinance my Michigan mortgage with Extreme Loans?

Yes. We offer rate-and-term refinance, cash-out refinance, FHA Streamline Refinance, and VA IRRRL options for Michigan homeowners.

Get Your Michigan Mortgage Started Today

Ready to buy or refinance in Michigan? Apply online or call 844-CLOSE-FAST. We will review your situation and find the best loan program for your goals — no pressure, no obligation.

Apply Now  Call 844-CLOSE-FAST

Extreme Loans | NMLS #2025962 | 29444 Northwestern Hwy. Ste. 100, Southfield, MI 48034 | Equal Housing Lender