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Metro Detroit • 31 mortgage lenders profiles
VA Loans in Metro Detroit
Compare verified VA lenders in Metro Detroit for eligible veterans, service members and surviving spouses. Request a consultation and compare Loan Estimates.
5Featured pros
31Mortgage Lenders profiles
6Metro counties
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Rebuild Detroit is not a lender or mortgage broker, does not make credit decisions or quote rates, and information here is general, not financial advice.
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Featured VA loan pros
Top VA Loans Pros in Metro Detroit
Featured spots are paid placements shown first. The Verified badge records dated checks; other listed businesses have not been verified yet. Confirm current licensing, insurance and written scope with each provider.
Jalen Scott Mortgage Broker
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Kin Capital Mortgage
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Kudos Financial
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Search all 31 published mortgage lenders profiles by city, service and verification status.
Before you hire
VA Loans in Detroit: what to expect
A VA loan in Detroit is a home mortgage partly guaranteed by the U.S. Department of Veterans Affairs and made by private lenders. Eligible veterans, service members and some surviving spouses can often buy with no down payment and no monthly mortgage insurance. Veterans around Selfridge in Macomb County and across Wayne and Oakland counties use VA loans for purchases and refinances.
You need a Certificate of Eligibility (COE), which a lender can usually request for you or you can get through VA.gov. Most borrowers pay a VA funding fee unless exempt. The VA appraisal checks minimum property requirements, so older Detroit homes may need safety or roof repairs before closing.
Current VA borrowers can often lower their rate with an Interest Rate Reduction Refinance Loan. See mortgage refinance and compare Metro Detroit VA lenders.
What a good engagement includes
- Help obtaining your Certificate of Eligibility
- Review of credit, income and residual income
- Pre-approval letter for your price range
- A Loan Estimate within three business days of your application
- VA appraisal against minimum property requirements
- Explanation of the funding fee and any exemption
- A Closing Disclosure at least three business days before closing
What drives the fee
- Credit score and debt-to-income ratio
- VA funding fee and whether you are exempt
- Down payment, if any
- Loan term and points
- Repairs required by the VA appraisal
- Seller concessions toward closing costs
- Lender overlays stricter than VA rules
Rebuild Detroit does not publish fees. Ask each attorney to explain the fee basis in writing and compare.
Licensing and disclosures in Michigan
Michigan licenses mortgage brokers, lenders and servicers through DIFS (the Department of Insurance and Financial Services), and individual mortgage loan originators need their own license unless an exemption applies. Banks and credit unions are exempt from the state company license, and their loan officers are registered in NMLS instead. Either way, the NMLS ID must appear on applications and ads: look it up on NMLS Consumer Access.
Ask whether the lender regularly closes VA loans, and get your Certificate of Eligibility early. Compare the Loan Estimate from a VA lender with at least one other.
Verify: NMLS Consumer Access lookup DIFS: Mortgage brokers, lenders and servicers File a complaint with DIFS How We Vet
How to compare attorneys
- Get Loan Estimates from two or three VA lenders on the same terms.
- Ask each lender how it handles VA appraisal repair conditions.
- Confirm your funding fee amount or exemption on the Loan Estimate.
- Ask about the lender's VA volume and typical closing time.
- Check each loan officer on NMLS Consumer Access.
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Common questions
VA Loans FAQ
Many veterans, service members and some surviving spouses who meet service requirements. Your Certificate of Eligibility confirms it.
Often no, for eligible borrowers buying at or below the appraised value. Lenders may set their own requirements.
Credit, debt-to-income, the funding fee, term, points and any repairs. Rebuild Detroit does not quote rates.
Compare lenders that close VA loans regularly, verify each on NMLS Consumer Access, and compare Loan Estimates.
Get VA loan consultations from local pros
Compare Metro Detroit mortgage lenders and confirm credentials, scope and cost drivers before you hire.