A Michigan Mortgage Broker With More Options and Real Human Guidance
Start your pre-approval
Review your current mortgage
Open a Loan Estimate, get feedback
Tell us what you are working toward, and we will show you the options.
Common starting points
I Just Want a Plan
You are somewhere between thinking about it and doing it, and you want a straight answer.
Get My Homebuyer Game PlanI Own a Home Already
You need to buy the next one and sell this one, and the order matters.
Build a Buy Before You Sell StrategyUse My Home Equity
There is more than one way to reach the equity in your home, and they are not the same. Start with the question, not the product.
Explore My Equity OptionsHow we work
Why buyers choose Align Lending
Local Market Experience
Michigan property taxes uncap the January after you buy, local programs change what is available, and competitive offers work differently by community. That is guidance you do not get from a national call center.
More Lender Options
We are an independent broker, so we compare your scenario across multiple wholesale lenders rather than fitting every borrower into one lender's rulebook. If one is not the right fit, we can look elsewhere.
Human Mortgage Guidance
A real mortgage professional walks you through the tradeoffs and stays accountable for your file. You are not clicking through an automated flow hoping it understood your situation.
Technology Without Losing the Human
Upload documents from your phone and keep the file moving. Technology handles the busywork so your mortgage expert can spend the time on the parts that actually need judgement.
What our clients say
Align Lending helped make purchasing my home in Madison Heights a smooth experience. I appreciated the regular updates and clear explanations along the way.
I highly recommend Align Lending to anyone looking for a mortgage broker in Southeast Michigan. The team was knowledgeable, responsive, and easy to work with.
As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
Individual experiences. Results vary.
Meet the owner
Meet Samantha Shelton
Samantha Shelton founded Align Lending in 2020. Before mortgages she was a stay-at-home mom with three boys, and she got into the business for a simple reason: she could not follow the conversation at her own dinner table, and decided to fix that. When Michigan shut down partway through her licensing, she drove to Ohio to finish it.
Align started as a one-woman operation, and the approach has not changed much since. Explain what is actually happening, in plain language, so you are the one making the decision rather than having it explained to you afterward.
She has been recognized with the Hall of AIME, NAMB Broker of the Year, and a Woman with Vision award.
Loan options
Compare your loan options
Conventional Loan
Where most buyers start. Pricing and mortgage insurance follow your credit and down payment, and the mortgage insurance comes off.
About Conventional LoanFHA Loan
More room on credit history, with mortgage insurance that works differently from conventional.
About FHA LoanVA Loan
For eligible veterans and service members. No monthly mortgage insurance, and a funding fee that can be financed into the loan.
About VA LoanUSDA Loan
For eligible rural and suburban addresses, with an income cap that counts the whole household.
About USDA LoanJumbo Loan
When the loan amount is above $832,750, the 2026 conforming limit in every Michigan county.
About Jumbo LoanHome Equity Loan
Borrow against the home you own with a second loan, without replacing your first mortgage.
About Home Equity LoanTools
Run the numbers yourself
Mortgage Calculator
What a payment actually looks like once taxes, insurance, HOA and PMI are in it, not just principal and interest.
Open the calculatorHome Affordability Calculator
Works backwards from your income and existing debts to the home price at your DTI limit. A ceiling, not a target.
Open the calculatorHomebuying Budget Review
You want a monthly number that fits your life, not the maximum a lender will approve.
Get a budget reviewMortgage Readiness Review
You are thinking about it and have not talked to anybody yet.
Take the readiness reviewMortgage Refinance Calculator
The number that decides it is not the rate. It is how long you need to stay to make the closing costs back.
Open the calculatorVA Loan Calculator
No down payment, no monthly mortgage insurance, and a one-time funding fee that can be financed into the loan.
Open the calculatorWhere we serve
Start with your county, or go straight to your city
Oakland County
42 city guides
Auburn Hills, Berkley, Birmingham, Bloomfield Hills
County guideMacomb County
18 city guides
Center Line, Chesterfield Township, Clinton Township, Eastpointe
County guideWayne County
31 city guides
Allen Park, Belleville, Canton Township, Dearborn
County guideWashtenaw County
7 city guides
Ann Arbor, Chelsea, Dexter, Manchester
County guideLivingston County
4 city guides
Brighton, Fowlerville, Howell, Pinckney
County guideGenesee County
14 city guides
County guideSt. Clair County
8 city guides
Algonac, Capac, Emmett, Marine City
County guideLapeer County
9 city guides
Almont, Clifford, Columbiaville, Dryden
County guideMonroe County
8 city guides
Carleton, Dundee, Estral Beach, Luna Pier
County guideLenawee County
9 city guides
Blissfield, Britton, Cement City, Clinton
County guideKent County
4 city guides
Grand Rapids, Kentwood, Plainfield Township, Wyoming
County guideOttawa County
4 city guides
Georgetown Township, Grand Haven Township, Holland Township, Park Township
County guideAdditional Michigan Cities
4 city guides
Delta Township, Lansing, Meridian Township, Portage
Area guideOffice, hours and how to reach us
Reach the team by email, text, phone call or Zoom, and talk to a person rather than an answering service.
Book a one-on-one appointment on the calendar whenever it suits you. Your application, documents and signatures all go through a secure online portal.
- Phone
- 248-506-5727
- Hours
- Phone: 7 days a week, evenings included
Office: by appointment
The first conversation does not have to turn into anything
Tell Samantha what you are trying to do, and she will tell you what actually matters in your situation. If the answer is that you should wait, she will say that too.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
Samantha works out what matters most for you specifically.
- 3
You leave with a plan
Your options, the tradeoffs, and your next step. No obligation to go further.
Align Lending LLC, NMLS #2041154, is a mortgage broker. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Nothing on this page is a credit decision, a preapproval, a commitment to lend, or an offer of credit.
