Livingston County mortgages — from a local broker.

Cities & townships we serve in Livingston County

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

I grew up in Livingston County

Howell and Brighton aren't target markets to me — they're where I grew up. I live in Milford now, just across the county line, and most of my life has happened in this stretch of Michigan. So when you ask whether Fowlerville is too far out for your commute, what new construction in Hartland really costs to close, or which townships treat the tax bill differently, you're getting an answer from someone who's from here — not a call center reading a map.

That matters at the closing table, too. After twenty years in the business and a lifetime in the area, I know which local title companies, builders, and realtors actually pick up the phone when a closing date is on the line.

The Livingston County housing reality

Livingston County sits in a sweet spot: close enough to Detroit, Lansing, and Ann Arbor for commuting, but far enough out for larger lots, new construction, and lakefront properties. Brighton and Howell anchor the retail and school demand. Hartland, Hamburg, and Genoa Townships draw buyers who want acreage without going fully rural. A large share of Livingston purchases are new construction or semi-custom builds — which means you want a broker who handles construction-to-perm loans, not just stock conventional.

Livingston County property taxes

Livingston County property taxes are generally lower than Oakland County, often landing in the 1.1% to 1.6% effective range depending on township. Rural-zoned properties can have even lower rates. The Principal Residence Exemption saves about 18 mills on your primary home — make sure it's filed correctly when you close, especially on new construction where the assessor may not pick it up automatically.

First-time buyer notes

Livingston County first-time buyers: USDA Rural Development loans are worth checking — parts of western and southern Livingston County qualify, which means zero-down financing for buyers who meet the income limits. Conventional and FHA also work well here given reasonable entry-level prices in Fowlerville, Pinckney, and the outer townships. Ask about DPA if you're tight on closing costs.

Loan programs that fit Livingston County