Expertise.com

2024

Last updated:

Best Mortgage Brokers in Macomb, MI

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Macomb Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

33Reviewed

24Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2170 E. Big Beaver Road, Suite A, Troy, MI 48083
WebsiteLicense: 3028

Expertise.com Rating

Review Sources

Google
4.4 (347)
Facebook
4.3 (88)

Why choose this provider?

Towne Mortgage Company is a locally owned and operated company that serves the residents of Macomb. It provides home purchase loan products for different types of clients, including first-time home buyers, veterans, and active U.S. military members. Its team also assists clients with poor credit scores, as well as those looking to renovate or build homes. Towne Mortgage Company has been in business for more than four decades. It supports several community and non-profit organizations.

  • New Construction

71 Walnut Blvd, Suite 204, Rochester, MI 48307
WebsiteLicense: 1937036

Expertise.com Rating

Review Sources

Google
5.0 (83)

Why choose this provider?

Gem Home Loans provides clients in Macomb with financial solutions. It has different types of mortgages available for clients whose goal is to buy, refinance, build, or renovate a home. Its lending options include 15- and 30-year fixed-rate and adjustable-rate mortgages. It also offers FHA, VA, USDA, construction, conventional, and non-QM loan programs. Donald Bleuenstein, the president of Gem Home Loans, has worked for major banks and mortgage bankers. He uses this experience to guide his clients throughout the mortgage process.

  • New Construction

100 E Big Beaver Rd, Ste 940, Troy, MI 48083
WebsiteLicense: 151261

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

C4D Mortgage offers several financial products to assist purchasers of single-family and multifamily units, condominiums, manufactured homes, and townhouses in Macomb and the surrounding areas. Whether clients need to buy a property as a primary residence, investment, or vacation home, its loan officers provide them with fixed-rate and adjustable-rate mortgages, FHA, VA, jumbo, and USDA loans. The company also helps homeowners seeking to lower their interest rates, take cash out of their equity, or modify their loan terms through mortgage refinancing.

  • Refinance
  • New Construction

755 W Big Beaver Rd Suite 230, Troy, MI 48084
WebsiteLicense: 2237880

Expertise.com Rating

Review Sources

Google
4.5 (150)

Why choose this provider?

Imperium Lending comprises mortgage professionals who serve clients in Macomb and nearby areas. They offer adjustable and fixed-rate mortgages with 15- and 30-year terms. They also assist in acquiring VA, FHA, and jumbo loans. The firm helps those who plan to buy a home and those who want to lower their monthly payments. It has formed strategic partnerships with different mortgage lenders to help clients find a loan suitable to their needs. These include AmeriSave, Flagstar Bank, and LoanDepot.

  • Refinance

35871 Mound Road, Sterling Heights, MI 48310
WebsiteLicense: 68434

Expertise.com Rating

Review Sources

Google
4.5 (94)
Facebook
4.0 (50)
Yelp
4.0 (7)

Why choose this provider?

Sistar Mortgage provides clients in Macomb with various loan programs. It offers fixed and adjustable rates and reverse types of mortgages. Other loan programs available include VA, FHA, USDA, jumbo, non-QM, and new construction bank statement loans. Its services are available for first-time homebuyers and those who are looking for refinancing options. The company was founded in 2002. Its team works face-to-face with borrowers and guides them through every terminology, document, and procedure included in the process. The firm is also licensed in Rhode Island.

  • Refinance
  • New Construction

45679 Village Blvd, Shelby Twp, MI 48315
WebsiteLicense: 1720026

Expertise.com Rating

Review Sources

Google
5.0 (56)

Why choose this provider?

Jenniffer Bott addresses the real estate concerns of families and individuals in and around Macomb. She is a Mortgage 1, Inc., loan officer who works closely with investors and buyers to determine their homeownership goals. She provides a wide selection of mortgage products, such as interest-only, jumbo, conventional, FHA streamlined 203(k), and VA loans. The professional also offers refinancing solutions to help clients reduce monthly payments and consolidate debts. Bott has been in the industry for more than three decades.

  • Refinance

44028 Mound Road, Sterling Heights, MI 48314
WebsiteLicense: 130650

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
5.0 (5)

Why choose this provider?

R-B Financial Mortgages, Inc., caters to clients in Macomb and the surrounding areas. It helps first-time homebuyers or seasoned investors find the loan product that matches their needs and goals. It processes various loan options, including conforming, jumbo and super jumbo, FHA, and USDA mortgages. The firm's lending specialists also assist those who want to apply for a refinance mortgage to make adjustments to their interest rates and payment terms. The family-owned business has been in operation for more than two decades.

  • Refinance

3150 Livernois Rd # 312, Troy, MI 48083
WebsiteLicense: 1220284

Expertise.com Rating

Review Sources

Facebook
5.0 (26)

Why choose this provider?

Demetris Holloway is a mortgage broker who serves as a senior loan officer and partner at Shoreline Mortgage, Inc. He works with clients in and around Macomb who need assistance and advice with their home loan or refinancing applications. He helps clients navigate the entire borrowing process and works to provide a seamless experience and clear communication to all parties involved. Holloway has been in the financial and mortgage industry for more than five years.

  • Refinance

30200 Telegraph Rd Suite 105, Bingham Farms, MI 48025
WebsiteLicense: 1880338

Expertise.com Rating

Review Sources

Google
4.9 (712)
Facebook
4.8 (81)

Why choose this provider?

Next Door Lending is a team of professionals serving home buyers and mortgage borrowers in Macomb. The team assists individuals and families in achieving their short-term or long-term home buying or refinancing goals. They provide programs such as ARMs, Heloc, and VA, USDA, or jumbo loans. The team members leverage clients' feedback to build a mortgage process with minimal friction possible. They have more than 150 years of combined experience helping clients nationwide and also serve California, Texas, and New Jersey.

  • Refinance
  • New Construction

100 E Big Beaver Rd Suite 320, Troy, MI 48084
WebsiteLicense: 164627

Expertise.com Rating

Why choose this provider?

Marty Schaefer is a branch manager and loan officer with Gold Star Mortgage Financial Group, serving customers in the Macomb metro. He offers multiple loan programs, including FHA, VA, jumbo, conventional, USDA, and DPA. He also assists medical professionals and DACA residents. Additionally, his team provides refinancing solutions to eliminate mortgage insurance, get cash out from equity, and reduce monthly payments. Schaefer is licensed to originate in Minnesota, Ohio, and California. His company, Gold Star, has been in the industry since 2000.

  • Refinance

58069 Van Dyke Rd., Washington, MI 48094
WebsiteLicense: 127717

Expertise.com Rating

Review Sources

Google
4.9 (63)
Yelp
5.0 (6)

Why choose this provider?

PLB Lending LLC has been working with Macomb clients for over two decades. The company delivers multiple mortgage programs that allow borrowers to purchase and own properties. These include loans guaranteed or insured by a range of government agencies, from the FHA to the VA. It also offers fixed-rate and adjustable-rate mortgages. The company provides other solutions like the reverse mortgage, a way for senior homeowners to transform a part of their property equity into cash for home improvement projects.

  • Commercial Loans

2170 E. Big Beaver Road, Suite A, Troy, MI 48083
WebsiteLicense: 3028

Expertise.com Rating

Review Sources

Google
5.0 (237)
Facebook
3.0 (2)

Why choose this provider?

AmeriCU Mortgage is a Troy-based company that caters to clients throughout the Macomb metro. It has experience working with aspiring homeowners and advising them through the mortgage application process. It offers jumbo loans, a way for borrowers to acquire luxury homes in high-value communities. It also provides loan programs backed by various federal agencies, including the USDA, FHA, and VA. The company supports multiple non-profit organizations like Big Family of Michigan and Gleaners Food Bank.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Towne Mortgage Company
2170 E. Big Beaver Road, Suite A, Troy, MI 48083
Gem Home Loans
71 Walnut Blvd, Suite 204, Rochester, MI 48307
C4D Mortgage
100 E Big Beaver Rd, Ste 940, Troy, MI 48083
Imperium Lending
755 W Big Beaver Rd Suite 230, Troy, MI 48084
Sistar Mortgage
35871 Mound Road, Sterling Heights, MI 48310
Jenniffer Bott
45679 Village Blvd, Shelby Twp, MI 48315
R-B Financial Mortgages, Inc
44028 Mound Road, Sterling Heights, MI 48314
Demetris Holloway
3150 Livernois Rd # 312, Troy, MI 48083
Next Door Lending
30200 Telegraph Rd Suite 105, Bingham Farms, MI 48025
Marty Schaefer
100 E Big Beaver Rd Suite 320, Troy, MI 48084
PLB Lending LLC
58069 Van Dyke Rd., Washington, MI 48094
AmeriCU Mortgage
2170 E. Big Beaver Road, Suite A, Troy, MI 48083

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.