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!

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

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

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

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

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

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

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

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

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

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

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

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

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

Buydown Loans

What our Clients Say

Excellent 5.0 | 128 Reviews

5.0

Based on 128 reviews

review us on

Elias Kendra

1 month ago

The pre-approval process for my home search in Bloomfield Hills was fast and organized. Samantha answered all my questions and helped me feel confident moving forward.

Jason Onwenu

1 month ago

Align Lending helped make purchasing my home in Madison Heights a smooth experience. I appreciated the regular updates and clear explanations along the way.

Riley Lennon

1 month ago

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.

Peter Rosa

1 month ago

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.

Joey Lewand

1 month ago

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.

Michael

2 months ago

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!

Michael Hirschfield

3 months ago

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.

Abdul Haidous

7 months ago

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 !

Dylan Friday

7 months ago

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!

Jeffery Holley`

7 months ago

Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process

Kayla P

1 year ago

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

1 year ago

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

1 year ago

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

1 year ago

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

1 year ago

Kevin was great! Very helpful, knowledgeable and communicative throughout my refinance.

Ben Davis

2 years ago

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

2 years ago

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

2 years ago

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

2 years ago

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

2 years ago

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

2 years ago

Very professional and knowledgeable, highly recommend for your lending needs!

Justin Barton

2 years ago

Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend

Jamie

2 years ago

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

2 years ago

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

3 years ago

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

3 years ago

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

3 years ago

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

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!

Find the Right Home Loan to Achieve Your Goals

Customize Your Mortgage Options

Home Loans that we Offer

Conventional Loans

Best For

VA Loans

Best For

FHA Loans

Best For

Home Equity Loan

Best For

Jumbo Loans

Best For

HomeReady® And Home Possible®

Best For

ARM Loans

Best For

15-Year Fixed

Best For

BorrowSmart Access℠

Best For

Non-QM Loans

Best For

USDA Loans

Best For

DSCR Loans

Best For

Buydown Loans

Best For

Buydown Loans

Buydown Loans

What our Clients Say

Excellent 5.0 | 128 Reviews

Trusted Mortgage Experts Guiding You Every Step of the Way

Your Home Loan Journey, Simplified

Apply Online

Know Your Next Steps

Get Your Loan

Check Off That Goal

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!