Michigan homebuyers have access to every loan program in the market: conventional, FHA, VA, DSCR, jumbo, bank statement, and more. Whether you're buying in Metro Detroit, Grand Rapids, Lansing, or anywhere in between, Clear2 closes Michigan loans every week with local knowledge and wholesale pricing.
Rocket Mortgage and the big banks can only offer their own products. As an independent broker, Clear2 shops dozens of wholesale lenders on your behalf, finding the rate and program that fits your situation, not their quota.
We're not tied to one lender's product line. We search Michigan's entire wholesale market to find the right fit: lower rates, better terms, more programs.
Michigan's market moves fast. Our 30-day close guarantee keeps your offer competitive without sacrificing the loan terms you deserve.
Our office is in Troy. You work with the same loan officer from application to closing: no handoffs, no hold music, no confusion.
Whether you're buying your first home in Troy or refinancing in Ann Arbor, Clear2 has local knowledge of the Michigan markets that matter most.
From first-time buyer FHA loans to DSCR investment property financing, we offer every loan program available to Michigan borrowers through our wholesale lender network.
Low down payment options starting at 3.5% for Michigan homebuyers. Flexible credit guidelines make FHA a strong fit for first-time buyers in Detroit metro.
$0 down financing for Michigan veterans and active-duty service members. No PMI, competitive rates through our VA-approved lender network.
Fannie Mae and Freddie Mac programs for Michigan buyers with strong credit. Down payments as low as 3% with no upfront mortgage insurance for 20%+ down.
Qualify based on property rental income, not your personal tax returns. Ideal for Michigan real estate investors building a portfolio.
Use 12, 24 months of business or personal bank statements to qualify. Designed for Michigan entrepreneurs and self-employed borrowers.
Financing above the $832,750 conforming limit for Michigan's higher-priced markets: Bloomfield Hills, Birmingham, and Oakland County luxury homes.
Access up to 90% CLTV with a revolving line of credit. Interest-only draw period, flexible repayment. Perfect for renovations, debt consolidation, or big expenses.
First-time homebuying comes with a lot of questions and a lot of options. Clear2 walks you through every step, from figuring out what you can afford to closing day, with no pressure and no upselling.
Clear2 Mortgage | Troy, MI
Founded and built in Metro Detroit, Clear2 has grown to a team of experienced loan officers serving Michigan buyers across Oakland, Macomb, and Wayne counties, licensed in 20 additional states.
As an independent broker, every Clear2 loan officer has access to 50+ wholesale lenders, so you're never limited to one bank's product line or rate sheet.
Christopher Kas-Marogi is the Founder and President of Clear2 Mortgage, with more than $1 billion in funded residential mortgage loans. Drawing on a career that began at Quicken Loans, he focuses on honest guidance, competitive financing options, and a seamless client experience.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
What credit score do I need to buy a home in Michigan?
Most conventional loans require a minimum 620 credit score, while FHA loans allow scores as low as 580 with 3.5% down. Clear2 works with multiple lenders, so we can often find options for borrowers outside those ranges.
How long does it take to close on a home in Michigan?
Clear2 guarantees a 30-day close. Michigan's average market close time is 30, 45 days. Getting pre-approved before you make an offer gives you the best chance of hitting your target close date.
Can I buy an investment property in Michigan with a DSCR loan?
Yes. DSCR loans qualify based on the property's rental income rather than your personal income, making them ideal for Michigan investors who can't show traditional W-2 income. No tax returns required.
How much do I need for a down payment in Michigan?
Conventional loans can go as low as 3%, FHA requires 3.5%, and VA loans are $0 down for eligible veterans. Physician and professional loan programs are also available with no PMI requirements for qualifying borrowers.
Is an independent broker better than going directly to a Michigan bank?
Banks can only offer their own products and rates. As an independent broker, Clear2 shops 50+ wholesale lenders on your behalf; wholesale rates are typically lower than retail bank rates because there's no branch overhead built into the pricing.
Does Clear2 serve all of Michigan or just Metro Detroit?
Clear2 is licensed throughout Michigan. While our office is in Troy and we have deep roots in Oakland, Macomb, and Wayne counties, we serve buyers across the entire state, including Ann Arbor, Grand Rapids, and the Upper Peninsula.
Can I get a HELOC in Michigan?
Yes. Clear2 offers HELOCs up to 90% combined loan-to-value (CLTV) in Michigan, including Michigan. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from a team that knows Michigan's market.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
