RESOURCES

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RESOURCES IN OAKLAND COUNTY, MICHIGAN

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SOUTHWEST SOLUTIONS

Michigan Lending Solutions is a community-based lender that can help you overcome today’s home financing challenges. We offer you a supportive alternative to confusing and profit-driven loan programs that can leave you feeling intimidated, overwhelmed and out of the marketplace. You can also be assured that our rates and terms are highly competitive and transparent.

Services

Michigan Lending Solutions is part of the Southwest Solutions’ family of agencies. This affiliation benefits you in many ways. Southwest Solutions is a nationally recognized nonprofit organization deeply rooted in the community through its 40-year history of service. It has established a solid reputation of trust and excellence.

When you apply for a loan through Michigan Lending Solutions, you have access to programs within Southwest Solutions designed to help you secure your loan by enhancing your qualifications and defeating obstacles. In addition, we offer support through our wide network of financial planning and rehabilitative services.

Working with us means that you’re doing business with an organization whose mission is to help families better their lives and help make our communities better places to live. We understand that homeownership is the bedrock of stable and vital neighborhoods, and we are committed to help you achieve your dream of owning a home of your own.

Our customers avoid the confusing and often unproductive search for a mortgage they can trust will meet their needs and concerns. We explain every aspect of the loan process clearly and honestly, and we are always guided by your own best interests.

​Products

We offer unique and quality loan products in amounts ranging from $10,000 to $1 million. Our financing is available to new homebuyers or seasoned homeowners. Whether you are self-employed, salaried or an hourly worker, we can find the right loan product for you. We work with borrowers with proven credit and offer rehabilitative assistance for borrowers with tarnished credit.

​FHA Insured Mortgage Loan

• Finances up to 96.5% of the price and closing costs
• Allows rolling the upfront mortgage insurance premium into the mortgage
• Covers single-family homes, condominiums and 2-unit, 3-unit and 4-unit properties
• Permits gifts to be used for the down payment
• Offers low-interest, 30-year fixed rate mortgages

​FHA 203K Loan

• Provides funds to purchase or refinance homes in need of repair or modernization
  
• Includes the repair costs in the loan amount
  
• Allows a down payment as low as 3.5% of the acquisition and repair costs of the property
  
• Is available to homeowners, nonprofit organizations or government agencies
  
• Permits a managed escrow account to fund repairs over time

Low-interest Home Improvement Loan for an Individual

• Who is a Michigan homeowner (or is in the process of buying) with an annual household income up to $65,000 ($74,750 in certain areas)
  
• Whose credit score is between 620 and 660
  
• Who resides in the home year-round

Low-interest Home Improvement Loan for a Landlord 

• Who seeks to repair or modernize a property located in Michigan
  
• Who is the current owner or is in the process of buying the property
  
• Who is a US Citizen (Limited Liability Companies and Corporations may apply)

​Mortgage Lending | Southwest Solutions

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​EMPOWERING VETERANS AND THEIR FAMILIES

VISIT OUR MENU FOR A DIRECTORY OF OVER 800 RESOURCES THAT EVERY VETERAN AND FAMILY NEEDS TO KNOW

​HOW TO GET HELP

​veteransfamiliesunited.org/get-help/

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Homeless Veterans

Support for Homeless Veterans

The American Legion provides free guidance for veterans in need.

FIND HELP

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Temporary Financial Assistance

​Help families in need meet the cost of shelter, food, utilities and health

CLICK HERE

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Services that
really help

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Benefits assistance, career fairs and
workshops, guidance on education,
​health care, personal finance and more.

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