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Metro Detroit • 31 mortgage lenders profiles
USDA Loans in Metro Detroit
Compare verified USDA-approved lenders for no down payment home loans in eligible parts of Metro Detroit. Request a consultation and check your address.
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 USDA loan pros
Top USDA 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.
Kudos Financial
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Midtown Home Mortgage
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Search all 31 published mortgage lenders profiles by city, service and verification status.
Before you hire
USDA Loans in Detroit: what to expect
A USDA loan near Detroit is a home mortgage guaranteed by USDA Rural Development through approved lenders. For qualified buyers it offers financing with no down payment. It is limited to eligible areas and to household incomes within USDA limits, and the home must be your primary residence.
Eligibility depends on the exact address, not the county. Dense parts of Metro Detroit are generally not eligible, while some addresses in outer areas of Macomb, Oakland, St. Clair, Livingston and Lapeer counties may be. Check the address on USDA's property eligibility map before you fall in love with a house, and confirm with a lender, since maps are updated.
If a home is not eligible, compare an FHA loan or a MSHDA first-time buyer loan. See all Metro Detroit lenders.
What a good engagement includes
- Check of the address on USDA's eligibility map
- Review of household income against USDA limits
- Credit, income and debt review
- Pre-approval for your price range
- A Loan Estimate within three business days of your application
- Appraisal against USDA property standards
- A Closing Disclosure at least three business days before closing
What drives the fee
- Household income and debt-to-income ratio
- Credit score
- USDA guarantee fees
- Loan term and points
- Repairs required by the appraisal
- Seller credits toward closing costs
- Lender overlays on top of USDA 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.
USDA guaranteed loans are only made by USDA-approved lenders. Ask the lender to confirm its approval, and check your address and income on USDA's eligibility site.
Verify: NMLS Consumer Access lookup DIFS: Mortgage brokers, lenders and servicers File a complaint with DIFS How We Vet
How to compare attorneys
- Check the address on the USDA eligibility map first.
- Ask lenders to confirm the household income limit for your county.
- Compare the USDA quote with FHA and conventional options.
- Ask how quickly the lender gets USDA approval.
- Check each loan officer on NMLS Consumer Access.
Ready to get started?
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Common questions
USDA Loans FAQ
Possibly, if the home is in an eligible area and your household income is within the limit. Most of the city itself is not eligible; check the exact address on USDA's map.
USDA guaranteed loans can offer financing with no down payment for qualified buyers.
Credit, income, guarantee fees, the term and points. Rebuild Detroit does not quote rates.
Ask lenders whether they are USDA-approved and how many USDA loans they close, then compare Loan Estimates.
Get USDA loan consultations from local pros
Compare Metro Detroit mortgage lenders and confirm credentials, scope and cost drivers before you hire.