Our office is at 2600 W Big Beaver Rd in Troy, right in the heart of Oakland County. As an independent mortgage broker, we give Oakland County homebuyers access to rates and programs that local bank branches cannot match.
With a county median price of $410,000 and Michigan's strongest appreciation at 4.7% year over year, Oakland County is not a market where settling for one lender's best offer makes sense. Clear2 shops 50+ wholesale lenders on your behalf, from our office in Troy, where we live and work alongside our clients.
Clear2 Mortgage is based at 2600 W Big Beaver Rd, Suite 100 in Troy. Oakland County is not just a market we serve from a distance; it is where we work every day. You talk to the same loan officer from application through closing, with no call center handoffs.
Because Clear2 operates as a broker rather than a bank, we access wholesale pricing that retail lenders do not publish. In Oakland County's upper price tiers, that difference can translate to thousands of dollars saved over the life of a loan.
Oakland County's most desirable neighborhoods, including Birmingham, Bloomfield Hills, and Royal Oak, regularly see multiple-offer situations. Our 30-day close guarantee keeps your offer competitive without asking sellers to wait on your financing.
Market data reflects current county-wide figures. Individual city markets vary. Contact a Clear2 loan officer for neighborhood-level pricing guidance.
From conventional financing for Birmingham buyers to DSCR investment loans for Oakland County rental properties, our wholesale network covers every program available in the county.
Fannie Mae and Freddie Mac programs for Oakland County buyers with strong credit. Down payments as low as 3%, no mortgage insurance at 20% down, and a 30-day close. The right fit for most Troy, Royal Oak, and Rochester Hills purchases.
Financing above the $806,500 conforming limit for Oakland County's higher-priced markets. Bloomfield Hills, Birmingham, and lakefront properties often require jumbo programs, and Clear2's wholesale access keeps jumbo rates competitive.
$0 down financing for Oakland County veterans and active-duty service members. No PMI, no down payment requirement, and competitive wholesale rates through our VA-approved lender network.
Low down payment options starting at 3.5% for Oakland County first-time buyers. Flexible credit guidelines make FHA a strong entry point in Clarkston, Novi, and Rochester Hills where entry-level inventory exists.
Qualify based on a property's rental income, not your personal tax returns. Oakland County's rental demand, especially near Oakland University and major employment corridors, makes DSCR a practical tool for local investors.
Use 12 or 24 months of bank statements to qualify instead of tax returns. Designed for Oakland County business owners, consultants, and entrepreneurs who write off expenses and can't show traditional W-2 income.
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.
Clear2 Mortgage serves homebuyers and homeowners throughout Oakland County. Select your city below for local market data, loan limits, and mortgage guidance specific to your area.
A high-demand suburb with a walkable downtown, strong appreciation, and competitive inventory. Popular with first-time buyers and move-up buyers alike.
Home to Clear2's office and one of Michigan's most established suburban markets. Strong school districts and corporate headquarters drive steady demand.
One of Metro Detroit's most prestigious markets, with luxury homes, boutique retail, and a price per square foot that routinely requires jumbo financing.
Strong school ratings and proximity to Oakland University make Rochester Hills a consistent draw for families and first-time buyers seeking long-term value.
Michigan's highest-income municipality, with estate-sized properties and a market where jumbo loans are the norm rather than the exception.
A fast-growing western Oakland County suburb with new construction activity, strong retail corridors, and a broad range of price points for buyers at every stage.
A quieter northern Oakland County community with acreage lots, lake access, and a small-town character that attracts buyers relocating from denser suburbs.
Clear2 Mortgage is headquartered at 2600 W Big Beaver Rd, Suite 100 in Troy, placing us at the center of the Oakland County market we serve. Our loan officers have closed purchases and refinances across every city in the county, from Clarkston acreage to Birmingham luxury homes.
As an independent broker, every Clear2 loan officer shops 50+ wholesale lenders on your behalf. That means you get access to programs and rates your local bank branch cannot offer, with the personalized service of a team that picks up the phone.
Oakland County buyers can reach our Troy office directly at (248) 970-0040.
Angelo Essak helps clients with home purchases, refinances, and home-equity financing through a personalized mortgage approach. With years of experience and millions of dollars in closed loans, he focuses on making financing simple, efficient, and easy to navigate.
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 counties does Clear2 serve in Michigan?
Clear2 is licensed throughout Michigan and actively serves buyers in Oakland, Macomb, Wayne, and Washtenaw counties, with additional coverage across the state. Our Troy office gives us deep roots in Oakland County specifically, and we serve surrounding markets including Ann Arbor, Grand Rapids, and the Upper Peninsula on request.
Does Clear2 have an office in Oakland County?
Yes. Clear2 Mortgage is headquartered at 2600 W Big Beaver Rd, Suite 100 in Troy, which is in Oakland County. You can reach the Troy office directly at (248) 970-0040. We are not a remote-only operation; Oakland County is where we work and where most of our clients live.
What is the conforming loan limit in Oakland County?
The 2024 conforming loan limit for Oakland County is $806,500 for a single-unit property. Purchases above that threshold require jumbo financing. Given Oakland County's median price of approximately $410,000, most buyers fall within conforming limits, though Birmingham, Bloomfield Hills, and lakefront properties frequently exceed them.
Which Oakland County cities are most competitive for buyers?
Birmingham, Bloomfield Hills, and Royal Oak consistently see the most competitive conditions, with multiple offers common on well-priced homes. Troy and Rochester Hills remain active but offer slightly more breathing room at certain price points. Clarkston and Novi tend to be more accessible for buyers at earlier stages. A pre-approval in hand before you search is essential in all seven markets.
What loan programs are most popular in Oakland County?
Conventional financing is the most common loan type in Oakland County, given the county's median income and strong credit profiles. Jumbo loans are routine in Birmingham and Bloomfield Hills. VA loans are a strong fit for veteran buyers, and bank statement loans are popular with the county's large population of self-employed professionals and business owners.
How does Clear2's wholesale access help Oakland County buyers?
Retail banks price their loans to cover branch overhead and profit margins. As a wholesale broker, Clear2 accesses the same lenders at their wholesale tier, which carries lower pricing. In a county where home prices average $410,000, even a modest rate difference compounds significantly over a 30-year loan. We shop 50+ lenders on every file to find the best available rate for your specific situation.
Can I get a HELOC in Oakland County?
Yes. Clear2 offers HELOCs up to 90% combined loan-to-value (CLTV) in Michigan, including Oakland County. 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 works in Oakland County every day.
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.
