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Looking for a fha loan specialist in Commerce Township? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Commerce Township, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Michigan before hiring.
Showing 3 fha loan specialists in Commerce Township, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Benstein Financial
1040 Drakeshire Dr, Commerce Township, MI 48390
5863398888
Garrett Financial Group LLC
2000 Oakley Park Rd Suite 204-B, Commerce Township, MI 48390
3135801020
Mortgage, Bank of America
3085 E West Maple Rd, Commerce Township, MI 48390
2485748270
FHA loan specialists in Commerce Township Michigan help homebuyers secure government-backed mortgages with lower down payments. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. These specialists guide clients through FHA requirements including property appraisal standards and debt-to-income ratio limits specific to the state.
What Does a FHA Loan Specialist in Commerce Township Cost?
Typical costs for an FHA loan specialist in Michigan include an origination fee of 1 percent of the loan amount and processing fees ranging from $500 to $1,500. Third-party costs such as appraisal fees in Commerce Township average $500 to $700 and title insurance costs around $1,000 to $2,000. Closing costs for an FHA loan in Michigan generally total 3 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Commerce Township Michigan?
For 2025 FHA loan limits in Oakland County Michigan are $498,257 for a single-family home. This limit applies to Commerce Township and adjusts annually based on local median home prices.
Do I need a minimum credit score for an FHA loan in Michigan?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Michigan lenders may have additional requirements.
What is the Michigan-specific FHA mortgage insurance requirement?
FHA loans in Michigan require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums vary from 0.15 to 0.75 percent depending on loan term and loan-to-value ratio. Michigan law does not change these federal requirements.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Michigan.