Cities & townships we serve in Macomb County
If you're buying, refinancing, or pulling equity in any of these Macomb County communities, we've almost certainly closed a loan here in the last twelve months:
The Macomb County housing reality
Macomb County housing is broad: entry-level starter homes in Warren, Roseville, and Eastpointe often move quickly and fit FHA well. Shelby and Macomb Townships have newer construction and attract move-up buyers. The Lake St. Clair corridor (St. Clair Shores, Harrison, Grosse Pointe Shores borders) has a strong waterfront market that sometimes needs jumbo financing. Investor activity is heavy in the southern tier — single-family rentals and duplexes in the $100-200k range are a common DSCR loan scenario.
Macomb County property taxes
Macomb County property taxes generally run 1.4% to 1.9% of taxable value depending on the city or township. Warren and Sterling Heights tend to sit in the higher tier; Shelby and Washington Townships are often lower. Like everywhere in Michigan, filing your Principal Residence Exemption cuts about 18 mills — make sure it's filed on any primary-residence purchase.
First-time buyer notes
Macomb County is one of the best counties in Michigan for first-time buyers on a budget. Median prices in the southern cities (Warren, Eastpointe, Roseville) are often 30-40% below Oakland equivalents. FHA 3.5%-down loans are the most common path, though conventional 3%-down also fits. If you're a veteran, VA loans work great here — zero down, no PMI, and prices are realistic for a full VA purchase.
Loan programs that fit Macomb 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.