Loan programs, matched to your situation
Moore2Lend arranges mortgage financing for buyers, homeowners, and investors in Michigan across ten program areas, from Conventional, FHA, VA, Jumbo, and FHA 203K renovation to self employed and non QM, construction and lot, commercial and investment, reverse mortgage, and asset based lending. As an independent broker, Raquel Moore, NMLS 138789, shops a vetted network of lenders and matches the program to your situation in a free, no obligation consultation from her Macomb office.
Conventional
For buyers with steady income and established credit who want the most widely used path to a home. Conventional loans fit first homes, move up purchases, second homes, and investment properties, with down payment options lower than many buyers expect. Terms are shaped around your budget, not a one size fits all product sheet.
Jumbo
For buyers of higher priced Michigan homes whose loan amount sits above conforming limits. Jumbo lending reviews your complete financial picture, including assets and how your income is structured, so preparation matters. Raquel packages the file carefully so a larger loan does not have to mean a harder process.
FHA
For buyers who want flexible credit guidelines and a lower barrier to entry, including many first time buyers. FHA loans are government backed and more forgiving of thinner credit histories and smaller savings. For many Michigan households they are the practical bridge between renting and owning.
VA
For eligible veterans, active duty service members, and certain surviving spouses. VA loans allow qualified borrowers to purchase with no down payment and no monthly mortgage insurance. If you have earned this benefit, it deserves a lender who handles VA files regularly and respects what the benefit represents.
FHA 203K
For buyers who found the right house in the wrong condition. An FHA 203K loan finances the purchase and the renovation together in one mortgage, so repairs and updates are funded from day one. It has more moving parts than a standard loan, which is exactly when experienced guidance pays off.
Self Employed, Bank Statement, and Non QM
For business owners, 1099 contractors, and independent earners whose tax returns do not tell the whole story. Documentation options range from standard full documentation to bank statement programs that review business deposits instead, plus non QM programs for borrowers who do not fit a standard box. The goal is a loan file that presents your real income fairly.
Construction and Lot
For buyers building new, buying land, or financing a major renovation. Construction lending covers new builds, lot loans, and renovation financing, with draws and timelines that reward careful planning. Raquel matches the project to a lender who handles construction well, so the build stays about the house rather than the paperwork.
Commercial and Investment
For investors and business owners financing investment property, mixed use buildings, or property a business will occupy. Commercial and investment lending weighs the property and its income alongside the borrower. Access to lenders who specialize here means financing that fits the building, the business, and the plan behind both.
Reverse Mortgage
For senior homeowners who want to draw on the equity they have built over the years. A reverse mortgage can turn part of that equity into usable funds while you remain in your home. These decisions deserve unhurried, plain language guidance, and often a family conversation, which is exactly how Raquel handles them.
Asset Based
For retirees and high net worth borrowers whose wealth sits in assets rather than a W2. Asset based programs qualify you on what you own instead of only what you earn each month. It is a common fit for retirement age buyers and clients whose financial picture is strong but nontraditional.
How do you choose between them?
You mostly do not have to. Program selection is the first thing Raquel works through with you, using your actual income, savings, credit profile, and plans for the property. Several programs often fit on paper; the right one is the one whose tradeoffs you understand and accept. That comparison, laid out side by side in plain language, is the core of the first conversation.
Guidelines also change and overlap, which is why this page describes who each program serves rather than quoting numbers that would go stale. Rates and payment figures are never published on this site; they depend on your situation on the day you lock.
Not sure where you fit?
Contact Raquel for a no cost review of your situation, or try the payment calculator first. First time buyers can start with the step by step guide. This program list is also available as machine readable data at /data/loan-programs.json.