ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of fha loan specialists in Troy, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Troy, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Michigan before hiring.
Showing 20 fha loan specialists in Troy, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
MortgagePros
880 W Long Lake Rd Suite 300, Troy, MI 48098
2484161361
Hall Financial
1650 Research Dr Suite 200, Troy, MI 48083
8662255425
eMortgage Funding LLC
320 E Big Beaver Rd #400, Troy, MI 48083
8442533673
Lit Financial
3221 W Big Beaver Rd, Troy, MI 48084
8002383038
National Mortgage Home Loans
4107 John R Rd Suite 100, Troy, MI 48085
2488642200
Nations Mortgage LLC
3310 W Big Beaver Rd #300, Troy, MI 48084
8449407100
Lending Force
50 W Big Beaver Rd #300, Troy, MI 48084
8337035363
C4D MORTGAGE
100 E Big Beaver Rd #940, Troy, MI 48083
8004944975
Lend-A-Loan
340 E Big Beaver Rd Bldg. C, Suite #400, Troy, MI 48083
2487812800
United Mortgage Lending, LLC - NMLS# 2220134
999 W Big Beaver Rd 3rd Floor, Troy, MI 48084
8005329499
Safetrust Mortgage LLC
100 E Big Beaver Rd Suite 930B, Troy, MI 48083
8664642343
Ease Mortgage
1050 Wilshire Dr Suite 300, Troy, MI 48084
2488470501
National Mortgage Funding
3310 W Big Beaver Rd Suite 105, Troy, MI 48084
8336631663
Meta Mortgage LLC
5600 New King Dr, Troy, MI 48098
8552800017
Ross Mortgage Corporation
2075 W Big Beaver Rd #700, Troy, MI 48084
2489681800
Icon Lending
1050 Wilshire Dr Suite 300 Office 1, Troy, MI 48084
2485749307
MortgageUSA, LLC
3250 W Big Beaver Rd Suite 342, Troy, MI 48084
8336678872
Rafi Sabbagh Flagstar Bank Home Loans
5151 Corporate Dr, Troy, MI 48098
2483881266
Best Rate Mortgage
3250 W Big Beaver Rd #303, Troy, MI 48084
2488253300
Impact Loans
850 Stephenson Hwy #310, Troy, MI 48083
3133092070
FHA loan specialists in Troy Michigan help homebuyers secure government backed mortgages with lower down payments and flexible credit requirements. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Troy market conditions and can guide you through FHA appraisal and underwriting rules.
What Does a FHA Loan Specialist in Troy Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent depending on loan term and down payment. Closing costs in Troy usually range from 2 to 5 percent of the purchase price. Lender fees origination charges and third party costs like appraisal and title insurance vary by lender. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Troy Michigan in 2025?
For 2025 the FHA loan limit for a single family home in Oakland County including Troy is $498,257. Higher limits apply for duplex triplex and four unit properties. These limits are set by HUD and can change annually.
Do I need a specific down payment for an FHA loan in Michigan?
FHA loans require a minimum 3.5 percent down payment if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment. Michigan first time homebuyer programs may offer additional assistance.
What Michigan specific rules apply to FHA loan appraisals?
FHA appraisals in Michigan must meet HUD minimum property standards including safety and structural integrity. Michigan properties with well or septic systems require additional inspections. The appraisal is valid for 120 days in Michigan.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Troy who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Michigan.