Now Lending in Detroit
Detroit home loans —
the Motor City.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Detroit and Wayne County. From restored brick homes in Corktown to new builds Downtown, we bring local guidance to Michigan's largest city — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Wayne County
Detroit Coverage
14 days*
Close In As Little As
$832,750
2026 Wayne County Conforming Limit
5.0 ★
Google Review Rating
Detroit Markets
Local lending across
every Detroit neighborhood.
Detroit Neighborhoods
A revitalizing urban core, historic residential districts, and established near-suburb communities.
- Downtown & Midtown
- Corktown & Woodbridge
- East English Village & Indian Village
- Dearborn & the western suburbs
Comeback City Momentum
A reinvented automotive, tech, and healthcare economy with some of the most attainable home prices in the country.
- First-time & renovation programs
- Rehab & new-construction financing
- Wayne County coverage
- Minutes to Downtown & the Riverfront
Every Kind of Detroit Buyer
From first homes to move-up, luxury, and investor purchases.
- First-time & move-up buyers
- Historic rehab & renovation loans
- Jumbo financing for Downtown lofts
- Investment & rental properties (DSCR)
DowntownMidtownCorktownWoodbridgeIndian VillageEast English VillageBoston-EdisonDearbornGrosse Pointe
Loan Programs in Detroit
Financing for every
kind of Detroit buyer.
FAQ
Detroit mortgage
questions answered.
We serve homebuyers and homeowners throughout Detroit and Wayne County, including Downtown, Midtown, Corktown, Indian Village, and East English Village, plus Dearborn and the wider metro.
The 2026 conforming loan limit is $832,750 in Wayne County, including Detroit. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Detroit borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.
Ready to start your Detroit home journey?
Get pre-approved today — no cost, no obligation. Detroit borrowers, let's get you to the closing table.