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Metro Detroit • 31 mortgage lenders profiles
Mortgage Pre-Approval in Metro Detroit
Compare verified mortgage lenders in Metro Detroit and get pre-approved before you shop for a home. Request a consultation and make stronger offers.
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 mortgage pre-approval pros
Top Mortgage Pre-Approval 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.
Belong Lending
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Capital Payday Loans
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Cassadine Reed, MLO
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Browse every mortgage company for mortgage pre-approval
Search all 31 published mortgage lenders profiles by city, service and verification status.
Before you hire
Mortgage Pre-Approval in Detroit: what to expect
Mortgage pre-approval in Detroit is the first step to buying: a lender reviews your credit, income, assets and debts and tells you in writing how much it is willing to lend, subject to conditions. Sellers and agents in competitive areas like Royal Oak, Ferndale, Berkley and Detroit neighborhoods such as Bagley and East English Village often expect a pre-approval letter with your offer.
Lenders use the terms prequalification and pre-approval differently, so ask what the letter is based on. A strong pre-approval uses verified documents and a credit check, not just numbers you typed in. It also points you to the right program: FHA, conventional, VA, USDA or a MSHDA first-time buyer loan.
Shopping several lenders within a short window generally counts as a single inquiry for credit scoring. Compare Metro Detroit mortgage lenders before you tour homes.
What a good engagement includes
- Credit check and review of your credit report
- Verification of income with pay stubs, W-2s or tax returns
- Review of bank statements and down payment funds
- Debt-to-income calculation
- Program recommendation that fits your situation
- Written pre-approval letter with an expiration date
- List of conditions left before final approval
What drives the fee
- Credit score and credit history
- Debt-to-income ratio
- Down payment and source of funds
- Loan program and term you choose
- Employment type, including self-employment
- Property type and occupancy you plan
- Points you choose to pay at closing
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.
A pre-approval is not a Loan Estimate. Once you have a property address and apply, the lender must send a Loan Estimate within three business days, which you can compare across lenders.
Verify: NMLS Consumer Access lookup DIFS: Mortgage brokers, lenders and servicers File a complaint with DIFS How We Vet
How to compare attorneys
- Get pre-approved with two or three lenders within a short window.
- Ask each lender whether the letter is based on verified documents.
- Compare programs and estimated payments, not just the approved amount.
- Ask how quickly the lender can close and how it communicates.
- Check each loan officer on NMLS Consumer Access.
Ready to get started?
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Common questions
Mortgage Pre-Approval FAQ
Apply with a licensed lender, provide pay stubs, W-2s or tax returns, bank statements and ID, and authorize a credit check. The lender issues a letter with the amount and conditions.
A pre-approval usually involves a hard credit inquiry, but rate shopping with several mortgage lenders in a short period generally counts as one inquiry.
Letters usually expire after a set period chosen by the lender. Your lender can update it with new pay stubs and statements.
Compare two or three lenders, check NMLS records, and pick one that explains your options clearly and closes on time.
Get mortgage pre-approval consultations from local pros
Compare Metro Detroit mortgage lenders and confirm credentials, scope and cost drivers before you hire.