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Now Lending in Sterling Heights

Sterling Heights home loans —
the heart of Macomb County.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Sterling Heights and Macomb County. From established subdivisions near Lakeside to quiet streets in Moravian, we bring local guidance to one of Michigan's largest suburbs — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Macomb County
Sterling Heights Coverage
14 days*
Close In As Little As
$832,750
2026 Macomb County Conforming Limit
5.0 ★
Google Review Rating
Sterling Heights Markets

Local lending across
every Sterling Heights neighborhood.

Sterling Heights Neighborhoods

Well-kept suburban subdivisions, family-friendly districts, and growing residential corridors.

  • Lakeside & the Hall Road corridor
  • Plumbrook & Moravian
  • Dobry & Utica Junction
  • Utica & Shelby Township nearby
Suburban Stability

A steady manufacturing and defense economy with affordable, well-maintained suburban housing.

  • First-time & move-up programs
  • New-construction financing
  • Macomb County coverage
  • Minutes to M-59 & I-696
Every Kind of Sterling Heights Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Renovation & new-construction loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
LakesidePlumbrookMoravianDobryUtica JunctionHall Road corridorClinton TownshipUticaShelby Township
Loan Programs in Sterling Heights

Financing for every
kind of Sterling Heights buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Sterling Heights homebuyers.

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VA Loans

0% down for Sterling Heights's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Sterling Heights's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Sterling Heights investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Sterling Heights's self-employed borrowers.

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FAQ

Sterling Heights mortgage
questions answered.

We serve homebuyers and homeowners throughout Sterling Heights and Macomb County, including the Lakeside area, Plumbrook, Moravian, and the Hall Road corridor, plus Utica and Shelby Township.
The 2026 conforming loan limit is $832,750 in Macomb County, including Sterling Heights. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Sterling Heights 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 Sterling Heights home journey?

Get pre-approved today — no cost, no obligation. Sterling Heights borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825