Wayne County Mortgage Broker | McKenney Home Lending

Wayne County — every zip code, every program.

Wayne County is Michigan's largest and most complex housing market — and the one where loan program selection matters most. A Detroit renovation deal, a Grosse Pointe jumbo, a Livonia FHA, a Plymouth-Canton conventional, a Westland VA: all completely different scenarios. McKenney Home Lending has closed every one of these, and we shop across multiple wholesale lenders to match the product to the property.

Cities & townships we serve in Wayne County

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

Detroit Dearborn Dearborn Heights Livonia Westland Plymouth Canton Township Northville Garden City Taylor Wyandotte Lincoln Park Allen Park Southgate Trenton Grosse Pointe Grosse Pointe Park Grosse Pointe Farms Grosse Pointe Woods Redford Township Plymouth Township

The Wayne County housing reality

Wayne County has more sub-markets than any other Michigan county. Detroit proper is active with renovation loans (203k, conventional rehab, HomeStyle) as neighborhoods continue to revitalize. The Grosse Pointes carry their own jumbo/high-balance market with strict appraisal scrutiny. Plymouth, Canton, and Northville serve move-up buyers with school-district-driven demand. The Downriver communities (Taylor, Wyandotte, Lincoln Park, Allen Park) are entry-level-affordable with strong FHA and VA activity. Livonia, Westland, Garden City anchor the middle of the market.

Wayne County property taxes

Wayne County effective property tax rates vary wildly — from around 1.5% in some Plymouth and Northville areas up to 3%+ in parts of Detroit, Dearborn Heights, and certain Downriver cities. The high-tax cities can turn what looks like a cheap mortgage into a surprisingly expensive monthly payment. We always run your specific address through the assessor's database so the numbers we quote match what you'll actually pay.

First-time buyer notes

First-time Wayne County buyers: FHA is often the right starting point, especially in the more affordable Downriver cities and western suburbs. Detroit purchases under $150k sometimes don't fit conventional 3%-down products well — renovation loans fill that gap. Veterans: VA works everywhere in Wayne County and your zero-down benefit goes a long way in the affordable sub-markets.

Loan programs that fit Wayne 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 Wayne County?

Do you finance homes in Detroit itself?

Absolutely — Detroit is one of our most active markets. Renovation lending matters here: FHA 203(k) and conventional rehab loans let you roll purchase and repair costs into one mortgage, which opens up a lot of the city's housing stock.

Which Wayne County communities do you cover?

All of them — Detroit, Dearborn, Livonia, Westland, Canton, Plymouth, Northville, the Grosse Pointes, and Downriver. Each sub-market prices differently, and we've closed in most of them.

Wayne County property taxes seem high. How does that affect my loan?

Effective rates range from around 1.5% in parts of Plymouth and Northville to over 3% in some cities. Since taxes ride inside your monthly payment, the tax rate can matter as much as the list price — we run the true payment for the specific address before you offer.

Do you work with investors buying Detroit rentals?

Yes — DSCR loans qualify on the property's rental income instead of your personal income, which fits Detroit's rental market well. Fix & flip financing is available too.

Wayne County — every zip code, every program.