Oakland County Mortgages, done right.

Cities & townships we serve in Oakland County

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

Milford is home, not a branch address

I live in Milford, and the office is here because I am — this was never a pin on a national expansion map. I grew up just west of here in Howell and Brighton, which means the townships along the county line — Milford, Highland, White Lake, Commerce — are the roads I've driven my whole life. When a buyer asks how two townships differ on taxes, or whether a Highland property with acreage will give an appraiser trouble, the answer comes from living here and from twenty years of closings in these ZIP codes. If Milford itself is where you are looking, I keep a fuller breakdown of the village-versus-township tax split and the local housing stock on the Milford mortgage page.

If you close with me, there's a decent chance we'll cross paths at a game or around town afterward. I like it that way — it keeps the advice honest.

The Oakland County housing reality

Oakland County housing spans an enormous range — from urbanist neighborhoods like Ferndale and Royal Oak attracting first-time buyers in their late 20s, to Birmingham and Bloomfield luxury with jumbo-financing needs, to Clarkston and Milford semi-rural properties that often need renovation or construction loans. The northern Oakland townships (White Lake, Highland, Commerce) are a sweet spot for families moving out of Detroit's first ring. If you're buying in Oakland County, the right loan program varies dramatically by which city you're targeting — generic mortgage advice doesn't cut it here.

Oakland County property taxes

Oakland County property tax rates vary significantly by city and township. Effective rates typically land between 1.3% and 2.0% of taxable value depending on location. Filing your Principal Residence Exemption (PRE) on a primary home saves approximately 18 mills — a meaningful amount that some buyers miss in their first year. We include realistic tax estimates in every quote so your monthly payment math is accurate, not the generic national average that misses Michigan's nuances.

First-time buyer notes

First-time Oakland County buyers: the median purchase price here is higher than most of the state, which pushes many first-timers toward the outer townships (White Lake, Holly, Oxford) where $250-350k gets more house than $450-600k does in Royal Oak or Birmingham. FHA and conventional low-down-payment loans are the most common paths. If your credit is in decent shape and you've got a modest amount saved, you're further along than you think. If this is your first purchase, the Michigan first-time buyer guide walks through the programs and the cash you actually need.

Loan programs that fit Oakland County