Align Lending

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Find the Right Home Loan to Achieve Your Goals

Looking to buy your first home, refinance your mortgage, or tap into your home’s equity? We offer competitive mortgage rates and personalized loan options to help you secure the best financing solution. Let’s make your homeownership goals a reality!

Customize Your Mortgage Options

Answer quick questions to discover home loan programs, mortgage rates, and financing solutions tailored to your needs. Find the right mortgage with ease!

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Home Loans that we Offer

Conventional Loans

The most popular home loan for buying or refinancing, offering predictable payments and long-term stability. With a 30-year term, enjoy lower monthly payments and buy a home with as little as 3% down. Lock in your rate and start your homeownership journey today!

Best For

  • Affordability

VA Loans

Buy a home or access cash with flexible credit requirements and no down payment options. VA loans offer competitive mortgage rates and exclusive benefits designed for eligible military personnel and veterans. Secure your home with the benefits you’ve earned!

Best For

  • Qualified Service Members

FHA Loans

Buy or refinance a home with a more lenient credit requirement and higher debt-to-income flexibility than most conventional loans. With just 3.5% down, FHA loans make homeownership more accessible for first-time buyers and those with lower credit scores. Get started today!

Best For

  • Less Established Credit

Home Equity Loan

Tap into your home’s equity and borrow a lump sum at a fixed interest rate with predictable monthly payments—without the need to refinance. Get the funds you need while keeping your current mortgage intact. Start leveraging your home’s value today!

Best For

  • Getting Cash Out

Jumbo Loans

Designed for home purchases and refinances exceeding conventional loan limits—starting at $766,550 in most areas. Get competitive rates and flexible terms on larger loan amounts. Secure the home you want with a mortgage that fits your needs!

Best For

  • High Value Loan Sizes

HomeReady® And Home Possible®

Buy a home with just 3% down and enjoy reduced mortgage insurance costs. These programs are designed to make homeownership more accessible, especially for first-time buyers and low-to-moderate-income borrowers. Take advantage of flexible financing and start your journey today!

Best For

  • Cost Effectiveness

ARM Loans

Lock in a lower fixed interest rate for the first 5, 7, or 10 years—potentially saving you money compared to traditional fixed-rate loans. After the fixed period, your rate adjusts every six months based on market conditions. A smart option for short-term savings and long-term flexibility!

Best For

  • Reduced Interest Cost

15-Year Fixed

Whether you’re buying or refinancing, a 15-year fixed loan helps you save on interest and build equity faster. While monthly payments are higher, you’ll pay off your mortgage sooner and with lower overall costs. Buy a home with as little as 5% down and start saving today!

Best For

  • Reduced Interest Cost

BorrowSmart Access℠

Buy a home with just 3% down and receive a credit toward your down payment. This program is designed to make homeownership more accessible in eligible metro areas, helping you save and secure the home you deserve. Get started today! 

Best For

  • Reduced Interest Cost

Non-QM Loans

Michigan Non-QM loans offer flexible, alternative mortgage solutions for self-employed individuals, investors, or those with unique income sources. Qualify based on bank statements, assets, or alternative documentation instead of traditional guidelines. Discover expanded options with Align Lending.

Best For

  • Flexible Guidelines

USDA Loans

Enjoy 100% financing with Michigan USDA loans for eligible rural and suburban homes. No down payment required, flexible credit requirements, and affordable rates make homeownership accessible for Michigan families seeking a fresh start.

Best For

  • Higher Eligibility

DSCR Loans

Unlock investment opportunities with Michigan DSCR loans—no income documentation required. Qualify based on property rental income, not your personal income. Ideal for both new and experienced real estate investors seeking flexible financing through Align Lending.

Best For

  • Flexible

Buydown Loans

A Buydown Loan allows you to secure a lower interest rate for the first one to three years of your mortgage, reducing your monthly payments during the initial period. 

Best For

  • Initial Savings

Buydown Loans

Buydown Loans

What our Clients Say

Excellent 5.0 | 86 Reviews

5.0
Based on 88 reviews
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Kayla P
01:13 22 Jul 25
If I could recommend Sam a million times I would. She made the process of buying our first home effortless. I’m grateful to have had her as our broker and even recommended a wonderful realtor as well!
Response from the owner 06:02 22 Jul 25
Thank you, Kayla P., for your fantastic review! We’re thrilled to hear that Sam made your first home buying experience so effortless. It’s wonderful to know she could also assist you with a great realtor! We appreciate your recommendations and are here for any future mortgage needs.Thank you for allowing us the opportunity to Align your dream of homeownership!
Benjamin Shafer
20:13 20 Jun 25
Samantha is a rockstar! She provided expert help and guided me through the loan process in terms that were easy to understand and made the whole experience painless!
Response from the owner 23:38 20 Jun 25
Thank you, Benjamin Shafer, for your fantastic review! We’re delighted to hear that Samantha made your loan process seamless and easy to understand. Our team is here for any future mortgage needs, and we appreciate you sharing your experience with others!Thank you for allowing us the opportunity to Align your dream of homeownership!
Sarah D
13:53 03 Jun 25
Kevin was great! Very helpful, knowledgeable and communicative throughout my refinance.
Ben Davis
20:17 12 Feb 25
Taylor is the best. She's so sweet and has great rates. If you need a skilled loan officer, she's the one to talk to.
Response from the owner 20:27 12 Feb 25
Thank you for your kind words, Ben! We're thrilled to hear that Taylor made such a positive impact on your experience. We'll be sure to pass along your compliments to her!
Mark K
15:48 21 Oct 24
Everyone at Align knows what they’re doing. Ryan took the time to answer every question I had, and overall made the process as a first time home buyer stress-free.
Response from the owner 15:58 21 Oct 24
Thank you for your wonderful review, Mark! We're thrilled to hear that Ryan was able to assist you and make your experience stress-free. Your satisfaction as a first-time home buyer is our top priority. We appreciate your feedback and look forward to helping you again in the future!
Travis Krakowski
22:03 19 Aug 24
Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.
Realnvest Academy
03:31 26 Jun 24
Very professional and knowledgeable, highly recommend for your lending needs!
Justin Barton
22:08 17 Jun 24
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Jamie
17:49 17 Jun 24
Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.
matthew sykora
16:29 22 Mar 24
Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!
The Pettifords
00:37 07 Jan 24
As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!
Shawna Schink
22:36 01 Jan 24
Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!
Angela Hunt
13:05 12 Oct 23
Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.

Trusted Mortgage Experts Guiding You Every Step of the Way

Your Home Loan Journey, Simplified

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Get started in just minutes and take the first step toward your homeownership goals.

Know Your Next Steps

We’ll guide you through personalized mortgage options that make the most sense for you.

Get Your Loan

Our expert team will be with you every step of the way to ensure a smooth process.

Check Off That Goal

Whether you're buying, refinancing, or planning for the future, we’re here when you're ready for the next step.

Unsure Which Loan Is Right for You? Just Ask!

With years of experience, we’ve helped thousands of homeowners find the perfect mortgage. Let us guide you to the best loan option for your needs—reach out today!

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