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Now Lending in Ann Arbor

Ann Arbor home loans —
Tree Town.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Ann Arbor and Washtenaw County. From historic homes on the Old West Side to leafy streets in Burns Park, we bring local guidance to Michigan's college town — 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
Washtenaw County
Ann Arbor Coverage
14 days*
Close In As Little As
$832,750
2026 Washtenaw County Conforming Limit
5.0 ★
Google Review Rating
Ann Arbor Markets

Local lending across
every Ann Arbor neighborhood.

Ann Arbor Neighborhoods

Historic in-town districts, university-adjacent streets, and established residential areas.

  • Old West Side & Water Hill
  • Burns Park & Kerrytown
  • Downtown & Central Campus area
  • Ann Arbor Hills & the suburbs
University & Research Power

A research, healthcare, and tech economy anchored by the University of Michigan and a strong housing market.

  • First-time & relocation programs
  • Jumbo & high-balance lending
  • Washtenaw County coverage
  • Minutes to U-M & US-23
Every Kind of Ann Arbor Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • Historic rehab & renovation loans
  • Jumbo financing for Ann Arbor Hills luxury
  • Investment & rental properties (DSCR)
Old West SideBurns ParkKerrytownWater HillDowntownAnn Arbor HillsLower Burns ParkBryantPittsfield
Loan Programs in Ann Arbor

Financing for every
kind of Ann Arbor buyer.

FHA Loans

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

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VA Loans

0% down for Ann Arbor'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 Ann Arbor's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Ann Arbor investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Ann Arbor's self-employed borrowers.

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FAQ

Ann Arbor mortgage
questions answered.

We serve homebuyers and homeowners throughout Ann Arbor and Washtenaw County, including the Old West Side, Burns Park, Kerrytown, and Water Hill, plus Ann Arbor Hills and the surrounding townships.
The 2026 conforming loan limit is $832,750 in Washtenaw County, including Ann Arbor. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Ann Arbor 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 Ann Arbor home journey?

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

Start My Application Call (561) 299-5825