When you are buying a home in Ann Arbor, you deserve a real loan officer on the phone, not a call center three states away.
Takes 60 seconds · No impact to your credit score
Ann Arbor is one of Michigan's most competitive housing markets. Buyers in neighborhoods like Burns Park, Kerrytown, and the Old West Side often face multiple offers and tight timelines. That kind of market rewards preparation. Our team helps you get your financing in order before you start touring homes, so your offer carries weight from the first day you make one.
We work as both a local mortgage lender and a mortgage broker depending on the loan type that fits your situation. That flexibility matters in Ann Arbor, where buyers come in with a wide range of credit profiles, down payment savings, and goals. A Federal Housing Administration (FHA) loan, a government-backed option that allows a lower down payment and accepts a wider range of credit scores, is one path. Conventional loans are another. Down payment assistance (DPA), help covering the cash needed to close, may be available through Michigan state programs for qualifying buyers. We walk through the options with you so nothing is a surprise.
Closing on a home in Ann Arbor also means navigating Washtenaw County title and appraisal steps in a market where appraised values and offer prices do not always line up neatly. If your purchase involves a condo near the University of Michigan campus, there are additional project approval steps to clear. Our loan officers know these local details and flag them early, before they slow down your closing.
We're not a lead-generation site that sells your information. We're a licensed mortgage team, and we're here in Michigan.
You work with a licensed mortgage team and a loan officer who knows this market, not a national portal that sells your information to the highest bidder.
We know Ann Arbor's neighborhoods, appraisers, title companies, and county quirks, because we close here every week.
You get one loan officer with a direct line, not a 1-800 number and a different rep every time you call.
Licensed across OH, IN, PA, TX and more. Moving out of state later? We can likely still be your lender.
Not sure which fits? Start with the quiz above, or read the full guide on any option below.
As little as 3.5% down with a 580 credit score. The most flexible path for first-time and credit-building buyers.
FHA in Ann Arbor3–5% down for strong-credit buyers. Mortgage insurance drops at 20% equity — the long-term cost winner.
Conventional guideZero down, no monthly mortgage insurance, for eligible veterans and active-duty service members.
VA loan benefitsLower your rate, shorten your term, or tap equity. We'll run the break-even math honestly.
Refinance optionsDown payment assistance, education, and step-by-step guidance built for people buying their first home.
First-time buyer guideCompare FHA vs. Conventional side by side, or talk to a loan officer who'll run both on your actual numbers.
Compare loan typesMichigan buyers can often stack state and local assistance on top of an FHA or conventional loan to cover part, sometimes all, of the down payment. What you qualify for depends on your income, the home, and the program.
No credit pull to start, we'll check your assistance eligibility with you.
We close loans across the entire Greater Ann Arbor metro, city neighborhoods, suburbs, and the core counties we serve.
A clear four-step path, with a real person guiding you at each stage.
Answer a few questions, no credit pull, no obligation. We'll tell you what you can realistically afford in Ann Arbor.
~60 secondsA full application and verified pre-approval letter, the kind Ann Arbor sellers take seriously in a multiple-offer situation.
1–2 daysYour file goes through full underwriting, appraisal, title, and conditions handled by a team you can actually reach.
2–3 weeksSign, fund, and get your keys. We coordinate with your local title company to keep closing day smooth.
Day of closeJoe Heister and Katie Smith are outstanding to work with. Joe is professional, knowledgeable, and genuinely cares about his clients — he goes above and beyond to make sure everything goes smoothly from start to finish.
I'm a real estate agent and have known Joe Heister for over 15 years. I have always respected him as a lender with integrity who consistently puts his client's interests first.
As a first-time homebuyer, I had so many questions about the mortgage process, but Katie made everything so much easier. From the beginning she took the time to explain every step and answered all my questions patiently.
I recently refinanced with loan officer Mitra Dhital, and he was very helpful and professional throughout the process. He explained everything clearly and made the experience smooth and stress-free.
Thank you to Keshabi Acharya for making our home buying experience so smooth and stress free. She was very quick to respond and very knowledgeable on the topic of loans.
I worked with Joe Heister and Katie Smith and the process was seamless. Professional, organized, and low rates. Highly recommend.
That depends on your personal situation, not the headlines. Ann Arbor has historically seen strong demand because of the university, healthcare employers, and a stable local economy. What matters most is whether your finances, timeline, and goals line up. A loan officer can help you see where you stand before you commit to anything.
It depends on the loan type. FHA loans generally allow lower credit scores than conventional loans, though lenders may set their own minimum requirements on top of federal guidelines. The best first step is a conversation with a loan officer who can review your full credit picture, not just one number.
Michigan offers DPA programs through the Michigan State Housing Development Authority (MSHDA), a state agency that provides help with the cash needed to close. Eligibility depends on income, purchase price, and other factors. Our team can help you figure out whether you qualify and how to apply it toward your purchase in Ann Arbor.
A typical purchase closing takes roughly 30 to 45 days from a signed purchase agreement, though that can vary. Washtenaw County appraisal scheduling and title search timelines can affect the pace. Getting fully pre-approved before you make an offer is one of the most effective ways to keep things moving on your end.
A lender funds the loan directly. A broker works with multiple wholesale lenders to find a loan that fits your profile. Intra-Mortgage operates as both depending on the product, which means we are not locked into one set of options. Either way, you work with a real local loan officer, not an automated system.
Possibly, but FHA loans for condominiums require the condo project to be on the FHA-approved list or go through a single-unit approval process. Many condo buildings near campus have not been through that step. Our loan officers check approval status early so you are not caught off guard after you fall in love with a unit.
See what you qualify for in about a minute, or talk to a loan officer who actually knows the Greater Ann Arbor market.