A Michigan Mortgage Broker With More Options and Real Human Guidance
One application, shopped across multiple wholesale lenders. Technology handles the busywork. A real mortgage expert handles the strategy.
Buy a Home
Start your pre-approval
Refinance
Review your current mortgage
Compare Your Options
We shop your scenario across multiple lenders
Tell us what you are working toward, and we will show you the options.
Start with what you are trying to accomplish
Buy a Home
Get a clear picture of what you can do and what it would actually cost, before you talk to anyone about a house.
Build My Homebuyer Game PlanReview My Mortgage
Refinancing is not automatically a good idea. Work out where your break-even sits before you decide anything.
See If Refinancing Makes SenseUse 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 OptionsNot sure which one of those you are?
That is a normal place to start. Tell us what you are trying to do and we will work out which question you are actually asking.
How 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.
Speed 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
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.
Samantha was extremely helpful during my home loan process in Novi. Communication was quick, the instructions were clear, and everything stayed on track through closing.
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!
Samantha Shelton was absolutely amazing! She far exceeded any expectations we had. Samantha was our biggest cheerleader throughout the entire home buying process! It literally felt like my best friend was helping us navigate and cheering us on from start to finish. I would recommend her and the team to anyone; you will be in THE best hands. She is so knowledgeable and kind. This was the best, easiest and least stressful mortgage process ever.
can’t say enough good things about my experience with Samantha Shelton . She took the time to explain every step of the process, answered all my questions promptly, and made sure everything stayed on track. Her professionalism, honesty, and dedication truly stood out. I would recommend her 100% to anyone buying or refinancing a home. My refinance loan was submitted, approved and clear to close the same day, that’s unheard of in the industry. What a rock star !
As a first-time homebuyer in Troy, I was nervous about getting my FHA loan. I went to Samantha Shelton at Align Lending and the experience was nothing short of amazing! Her expertise and fast service made everything so easy. I will definitely be going back to her, and I recommend her if you are looking for a fast and easy mortgage experience!
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
Conventional loans are the most common mortgage type in the U.S., offering a variety of terms and options for homebuyers who meet typical credit and income standards.
About Conventional LoanFHA Loan
FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit.
About FHA LoanVA Loan
VA loans are backed by the U.S. Department of Veterans Affairs and are offered exclusively to eligible service members, veterans, and surviving spouses.
About VA LoanUSDA Loan
USDA loans are zero-down mortgages backed by the U.S. Department of Agriculture.
About USDA LoanJumbo Loan
Jumbo loans help buyers finance properties that exceed the standard conforming loan limits.
About Jumbo LoanHome Equity Loan
A Home Equity Loan lets you borrow a lump sum from your home’s equity while keeping your existing 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 a home price a lender would support.
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 most borrowers finance into the loan.
Open the calculatorWhere we serve
Start with your county, or go straight to your city
Oakland County
35 city guides
Auburn Hills, Berkley, Birmingham, Bloomfield Hills
County guideMacomb County
13 city guides
Center Line, Eastpointe, Fraser, Mount Clemens
County guideWayne County
23 city guides
Allen Park, Belleville, Dearborn, Dearborn Heights
County guideWashtenaw County
5 city guides
Ann Arbor, Chelsea, Milan, Saline
County guideLivingston County
5 city guides
Brighton, Fowlerville, Howell, Mount Morris
County guideGenesee County
8 city guides
County guideSt. Clair County
3 city guides
Algonac, Marine City, Port Huron
County guideLapeer County
2 city guides
County guideMonroe County
3 city guides
County guideLenawee County
1 city guide
County guideFree guides
No form to fill in. Open or download.
Office, 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
- Monday to Friday, 9am to 5pm
Saturday by appointment
Sunday closed
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
A licensed Align loan officer 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.
