Michigan Mortgage Broker Simplifying Home Financing
From Detroit to Michigan’s most sought-after suburbs and lakefront markets, LendFriend Mortgage delivers competitive rates and low fees across Conventional, Jumbo, VA, FHA, and Non-QM loan programs. Whether you’re purchasing a high-value home, refinancing in a rising equity position, or investing in one of Michigan’s premium markets, we structure financing around your full financial profile.
Why Homebuyers Trust LendFriend Mortgage For Their Michigan Home Loan
LendFriend Mortgage works with Michigan homebuyers and homeowners who want clear guidance, competitive pricing, and a process that holds up from pre-approval through closing. From Detroit’s revitalized neighborhoods to high-end communities like Bloomfield Hills, Birmingham, and Grosse Pointe, we tap into a deep network of lenders to deliver strong approvals and consistent execution.
What sets LendFriend apart for Michigan borrowers:
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Jumbo financing built for higher-priced markets. In Michigan’s most expensive areas, loan amounts often exceed conforming limits. We help buyers secure competitive jumbo options with flexible structures designed around income, assets, and long-term goals.
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Flexible qualification for complex financial profiles. Many high-income buyers don’t fit neatly into a W-2 box. Bank statement loans, asset depletion loans, and other Non-QM solutions allow us to qualify borrowers based on how they actually earn and hold wealth.
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Investor-focused DSCR loan options. For buyers building or scaling a rental portfolio, DSCR loans allow qualification based on property cash flow rather than personal income.
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Full-service loan execution across all major programs. Conventional, VA, and FHA loans remain core options, whether you’re a first-time buyer in Detroit or purchasing a primary or second home elsewhere in Michigan.
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A process built on experience and follow-through. With over $1.5 billion in funded loans and 500+ five-star Google reviews, our team identifies potential issues early, keeps communication clear, and delivers dependable closings.
Michigan Home Buying and Refinancing Options
Buying or refinancing in Michigan requires more than comparing advertised rates. Property values vary widely from Detroit to high-demand markets like Bloomfield Hills, Birmingham, and along the Lake Michigan shoreline. From salaried professionals to business owners and commission-based earners, income structures differ—and financing should reflect that. LendFriend Mortgage helps Michigan buyers evaluate multiple loan options, analyze refinance opportunities, and move forward with financing built around verified numbers and long-term goals.
Our tools, rate insights, and educational resources are tailored specifically for Michigan homeowners—whether you’re purchasing in Detroit, refinancing in Ann Arbor, or exploring higher-value markets across Southeast Michigan and the lakefront.
Loan Programs Built for Michigan Borrowers
With access to a nationwide network of wholesale mortgage lenders, we design Michigan home loan solutions around how borrowers actually earn, invest, and plan. Whether income comes from salary, commissions, business ownership, investment accounts, or digital assets, financing should reflect real financial strength—not be limited by rigid underwriting models.
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Jumbo Loans in Michigan
From luxury homes in Bloomfield Hills and Birmingham to high-value properties along Lake Michigan and in Grosse Pointe, jumbo financing plays a key role for many Michigan buyers. We structure jumbo loans with competitive pricing and flexible options, including long-term fixed rates and adjustable-rate mortgages aligned with your financial goals.
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Self Employed Mortgages in Michigan
Michigan has a strong base of entrepreneurs, consultants, and independent professionals. Our bank statement and 1099 loan programs allow borrowers to qualify using real cash flow instead of tax returns—creating a more accurate and flexible approval structure.
Crypto-Backed Mortgages in Michigan
For borrowers holding Bitcoin or other digital assets, financing can be structured to avoid unnecessary liquidation. We help incorporate crypto into the overall financial profile while maintaining long-term exposure and minimizing taxable events tied to asset sales.
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VA Loans in Michigan With 0% Down
Eligible veterans and active-duty service members can purchase with no down payment and no monthly mortgage insurance. With full entitlement and no county loan limits, VA loans remain one of the most powerful financing options for Michigan homebuyers, including in higher-priced markets.
Asset Depletion Loans in Michigan
High-net-worth borrowers can qualify using investment accounts, retirement funds, and liquid reserves. Asset depletion programs convert these holdings into qualifying income, providing a clear path to approval for borrowers with strong balance sheets but limited traditional income.
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DSCR Loans in Michigan
For real estate investors, DSCR loans focus on the property’s cash flow rather than personal income. Whether investing in Detroit rental properties or expanding a portfolio across Michigan, DSCR financing offers a scalable approach built around rental performance.
LendFriend Mortgage serves the following areas in Michigan:
Whether you’re purchasing in a competitive Detroit suburb, buying a second home along Lake Michigan, or relocating within the state, LendFriend Mortgage helps buyers and investors secure the right loan for their situation. We offer flexible financing for primary residences, second homes, and investment properties, and work with clients across Michigan’s most sought-after markets, including:
- Detroit
- Ann Arbor
- Grand Rapids
- Bloomfield Hills
- Birmingham
- Grosse Pointe
- Troy
- East Lansing
- Canto
- Novi
- Northville
- Rochester Hills
- East Grand Rapids
- Traverse City
- Petoskey
- Holland
- Midland
- Okemo
Get Started on Your Michigan Home Loan
Whether you’re purchasing in Detroit, moving into a higher-priced suburb, or buying a second home along Lake Michigan, LendFriend Mortgage structures financing around real financial profiles—not generic templates. For many Michigan buyers, that means going beyond traditional income documentation. Bank statement loans and asset depletion programs allow business owners, consultants, and high-net-worth borrowers to qualify using cash flow or assets instead of tax returns, often unlocking stronger approvals and more flexibility.
We also offer conventional, jumbo, VA, FHA, and DSCR loan options, but the advantage comes from aligning the right program to your situation from the start. Whether your income is variable, asset-heavy, or not fully reflected on paper, we build a strategy around your timeline, financial position, and long-term goals.
Connect online or speak directly with a Michigan mortgage specialist to review your options. We compare wholesale lenders across bank statement, asset depletion, jumbo, and traditional loan programs to deliver competitive pricing and a clear path from pre-approval through closing. With disciplined underwriting upfront and consistent execution, Michigan buyers move forward with confidence and fewer surprises.
What Our Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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Eric and his team were very helpful in our first time home buying experience. He took the time to walk us through the process and work closely with us in the beginning, answered our numerous questions during, and was able to lock us in with a good rate and close the deal. Thank you!
Shelby Tuinstra
Closed February 2026 -
My wife and I chose LendFriend when financing our first home purchase and we could not be happier with the process. The entire team was so knowledgeable, helpful, and communicative from the initial consultation through closing. We absolutely recommend LendFriend to anyone looking to buy or refinance their home!
Andrew Depies
Closed December 2025 -
I have nothing but great things to say about Eric Bernstein and his team at LendFriend! Truly white-glove service from beginning to end, making my home buying journey so much easier than ever before. Eric took the time to ensure I understood my options upfront and acted VERY quickly when I was asking for updates on the fly! I am so pleased with my experience overall and new loan, especially in this era of home buying. I feel as though I got a solid rate and understand how to take advantage of lower rates in the future, with their help of course! It was an absolute pleasure working with Eric and his all-star team - from the first phone call to closing day, I trusted the team to ensure everything went off without a hitch (which it did!). It was as seamless of a process as it could be and I always felt like I was a priority. Their communication is outstanding and dedication to delighting their clients is untouched. I highly recommend working with this group - you will be in wonderful hands too!!
Suzanne Peterson
Closed December 2025 -
Eric Bernstein and Morgan Cunningham at LendFriend made buying our new home an absolute breeze. They were very responsive and got us a great rate. We closed quickly and felt taken care of every step of the way. Highly recommend the LendFriend team!
Ty McCullough
Closed November 2025 -
Eric and his team was so amazing! They were so responsive and helped us come up with great strategies along the way! Eric would respond literally at any time of the day and they were able to help us manage a really quick close! We are so grateful for their support!!
Jo Reyes
Closed November 2025 -
LendFriend has an absolutely amazing team! Working with Eric, Morgan, Crystal, and the whole team was wonderful. They worked with me by educating and guiding me throughout the whole home buying process and helped me secure the best loan to put me in my first home. I could not recommend working with them more!
Sean D'souza
Closed October 2025 -
Seamless process with Eric and his team. I called him out of the blue one morning and he had me a pre-approval by the end of the day for an offer I wanted to make. Felt like night and day after having just worked with a big bank with a terrible user interface. It was seamless working with Eric and his team to upload documents, answer queries, etc...What I found to be of most value was how quickly he was able swap us out from an ARM to a 30 Yr fixed when rates dropped 2 weeks ahead of our expected close date.Lastly, and most importantly, he was able to work with lenders on my RSU comp.
Lacey Kelley
April 2026
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s Michigan homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed mortgages.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.