Genesee County Mortgage Broker | McKenney Home Lending

Genesee County — Flint and the surrounding communities.

Genesee County is Michigan's 5th-largest county and one of the state's most undervalued housing markets. Flint proper has seen significant revitalization, Grand Blanc and Fenton carry strong move-up demand, and Linden and Davison serve families looking for quality schools at reasonable prices. McKenney Home Lending closes Genesee loans regularly — we know the market.

Cities & townships we serve in Genesee County

If you're buying, refinancing, or pulling equity in any of these Genesee County communities, we've almost certainly closed a loan here in the last twelve months:

Flint Grand Blanc Fenton Linden Davison Flushing Burton Swartz Creek Mount Morris Clio Goodrich Grand Blanc Township Fenton Township Flushing Township Mundy Township Genesee Township

The Genesee County housing reality

Genesee County is a two-tier market. Flint proper often requires renovation loans (203k, HomeStyle) because of older housing stock — but the after-repair value can be compelling. Grand Blanc, Fenton, and the Grand Blanc/Fenton/Linden 'triangle' carry more traditional suburban pricing, great schools, and strong long-term appreciation. Investor activity is common throughout the county — DSCR loans for single-family rentals in the $80-150k range are a frequent scenario.

Genesee County property taxes

Genesee County property taxes vary substantially. Flint's effective rate is high (often 2.5-3%+) but prices are low enough that total tax bills remain affordable. Grand Blanc, Fenton, and Linden typically sit in the 1.4-1.8% range with higher property values. Principal Residence Exemption matters everywhere — don't skip filing it at closing.

First-time buyer notes

First-time Genesee County buyers: this is one of the most affordable counties in southern Michigan for homeownership. FHA 3.5%-down loans are the most common path, with conventional 3%-down available for buyers with stronger credit. Veterans: VA purchases work well here — your zero-down benefit can get you a fully-furnished home under $200k in many Genesee communities. Renovation loans are a great fit for Flint proper where strong-bones homes are priced below rebuild-cost.

Loan programs that fit Genesee County

Conventional

3% down for first-time buyers. PMI drops at 20% equity.

FHA

3.5% down, flexible credit. Great starter-home program.

VA

Zero down, no PMI for eligible veterans. Lower rates.

Jumbo

Loans above the conforming limit. Higher-end purchases.

Renovation

203k, HomeStyle, Choice. Buy + fix in one loan.

DSCR / Investor

Rental property financing using the property's income.

Buying or refinancing in Genesee County?

Which Genesee County cities do you lend in?

Grand Blanc, Fenton, Linden, Flushing, Davison, Burton, Flint, and the surrounding townships. Fenton and Grand Blanc stay competitive; other pockets offer some of the best value in southeast Michigan.

Genesee County homes are affordable. What does that mean for my down payment?

It means the entry cost is lower than most people think. FHA's 3.5% down on many Genesee County homes is a smaller check than a rental deposit and first month's rent — we'll show you the exact number for your price range.

Can I finance a house that needs work?

Yes — renovation loans like FHA 203(k) and conventional rehab programs roll the purchase and repairs into one mortgage. With Genesee County's older housing stock, that's often the play that turns a rough listing into the right house.

I already own in Genesee County. Can you help me use my equity?

Yes — cash-out refinances and HELOCs can turn equity into funds for renovations, debt consolidation, or the next property. We'll compare both against your current rate so the math actually works in your favor.

Genesee County — Flint and the surrounding communities.