Clear2 Mortgage is based in Troy. Our office is on W Big Beaver Road and our loan officers know Oakland County's market from the inside, the neighborhoods, the lenders, and what it takes to close on time in a competitive market.
Troy is one of Oakland County's most competitive housing markets, consistently low inventory, fast-moving listings, and a buyer pool that skews toward corporate relocations, move-up buyers, and professionals tied to the Big Beaver corridor and Corewell Health campus. Winning here requires a lender who can move fast and deliver a clean file.
Clear2 Mortgage is based at 2600 W Big Beaver Road, Suite 100, in the heart of Troy. Our loan officers are embedded in this market, familiar with Troy's appraisal trends, and connected to the agents working the neighborhoods our clients are targeting. When you need a same-day pre-approval letter, you're calling a team that's five minutes away, not a call center.
As an independent broker, we shop 50+ wholesale lenders to find the best rate and program match for your situation, options that retail banks and online lenders can't offer, and we close in 30 days or less.
With access to 50+ wholesale lenders, Clear2 offers every loan program available in Michigan, including programs that most Troy buyers don't know they qualify for.
Down payments as low as 3%. No PMI at 20% down. The go-to program for Troy's $350K, $600K move-up and relocation buyers with strong W-2 income.
3.5% down with credit scores as low as 580. A strong option for first-time buyers entering Troy's market in the $300K, $400K range.
$0 down for eligible veterans and active duty. No PMI, competitive rates through our VA-approved wholesale lender network.
For purchases above the $832,750 conforming limit, common in Troy's northern neighborhoods and executive-level relocation transactions.
Qualify on 12, 24 months of bank statements instead of tax returns. Designed for Troy's business owners, consultants, and contractors.
Qualify on rental income, not personal income. No tax returns or W-2s required, ideal for investors targeting Troy's rental market.
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.
Troy spans a wide range of price points and buyer profiles. Here's what our loan officers see on the ground, neighborhood by neighborhood.
Troy's corporate and retail spine, home to executive subdivisions with newer construction and strong appreciation. Buyers here typically have 20%+ down and top-tier credit. Conventional and jumbo both in play.
Established neighborhoods with large lots in northern Troy. Strong draw for corporate relocations from the Altair, Kelly Services, and Kforce campuses. Conventional is the dominant program; DSCR activity from investors.
Central Troy's best balance of price and location. Move-up buyers and growing families are most active here. Conventional with 10, 20% down is the typical profile; some FHA activity at the lower end.
Troy's highest-price pocket, bordering Birmingham and Bloomfield Hills. Buyers here often compare jumbo products from multiple lenders; Clear2's wholesale access consistently beats retail pricing.
A mix of older ranch-style homes and newer construction near Rochester Hills. First-time and move-up buyers both active. FHA and conventional both work well across this price range.
Troy's most affordable entry point and one of the stronger rental markets in Oakland County. DSCR loans are common for investors; FHA with 3.5% down is the typical first-time buyer play.
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."
Does Clear2 Mortgage have an office in Troy?
Yes. Our office is at 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. We're open Monday, Friday 9am, 6pm ET. You can also reach us at (248) 970-0040 or info@clear2mortgage.com.
How much do I need for a down payment in Troy?
Conventional starts at 3%, FHA at 3.5%, VA is $0 down. At Troy's median of $430K, a 5% conventional down payment is roughly $21,500 before closing costs. We'll show you the full picture before you commit to anything.
How competitive is the Troy housing market?
Very. Homes average 20 days on market and sell near list price. Having a pre-approval letter in hand before you search is essential, Clear2 issues same-day pre-approvals so you're ready when the right home comes up.
What credit score do I need to buy a home in Troy?
Conventional loans typically require a 620 minimum; FHA allows 580 with 3.5% down. Clear2 works with 50+ wholesale lenders, which means we can often find options for buyers who fall outside standard guidelines.
Can I use a DSCR loan to buy an investment property in Troy?
Yes. DSCR loans qualify based on the rental income the property generates, not your personal income. No tax returns required. Troy's rental market is strong, particularly near the Big Beaver corridor and Corewell Health campus.
Is an independent broker better than a Michigan bank for a Troy purchase?
Banks offer their own products only. Clear2 shops 50+ wholesale lenders and accesses rates that aren't available through retail channels, because there's no branch network overhead built into the pricing.
Can I get a HELOC in Troy?
Yes. Clear2 offers HELOCs up to 90% combined loan-to-value (CLTV) in Michigan, including Troy. 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 based in Troy, MI.
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.
