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Find Home Equity Loan Specialists Near You in Howell, MI

Directory of home equity loan specialists in Howell, Michigan. Verify credentials with the state state mortgage licensing authority before hiring.

4 agents listed
Updated June 2026
Howell, 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 State Mortgage Licensing Authority of Michigan before hiring.
Showing 4 home equity loan specialists in Howell, 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.
LOC Credit Union
3020 E Grand River Ave, Howell, MI 48843
(800) 837-4562 bit.ly
Lake Trust Credit Union
228 W Highland Rd, Howell, MI 48843
(888) 267-7200 laketrust.org
Exceptional Mortgage Services, Inc. NMLS# 134747
207 E Grand River Ave, Howell, MI 48843
(517) 540-9700 exceptionalmtg.com
MORTGAGE CAPITAL SOLUTIONS, INC
4330 E Grand River Ave, Howell, MI 48843
(810) 626-3208 mcshomeloans.com

Home equity loan specialists in Howell, Michigan help homeowners access the equity in their property for renovations, debt consolidation, or major purchases. Michigan law requires lenders to follow specific disclosure rules under the Michigan Consumer Protection Act. Local specialists understand Livingston County property values and can guide you through the application process.

What Does a Home Equity Loan Specialist in Howell Cost?

Typical costs for a home equity loan specialist in Michigan include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of $300 to $600, and closing costs ranging from $2,000 to $5,000. Some lenders may offer no-closing-cost options but with a higher interest rate. These figures vary by lender and loan size. This is general information and 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 does a home equity loan specialist in Howell do?
A specialist helps you understand your borrowing options based on your home equity and credit profile. They review Michigan-specific lending regulations and connect you with lenders who offer fixed-rate or variable-rate home equity loans or lines of credit.
What are the requirements for a home equity loan in Michigan?
You typically need at least 15 to 20 percent equity in your home, a stable income, and a credit score of 620 or higher. Michigan law does not cap interest rates but requires clear disclosure of terms under state lending laws.
How long does the home equity loan process take in Howell?
The process usually takes two to six weeks from application to closing. This includes property appraisal, underwriting, and compliance with Michigan's Truth in Lending Act requirements.

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