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Now Lending in Flint

Flint home loans —
Vehicle City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Flint and Genesee County. From historic homes in Carriage Town to the College Cultural district, we bring local guidance to Vehicle City — 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
Genesee County
Flint Coverage
14 days*
Close In As Little As
$832,750
2026 Genesee County Conforming Limit
5.0 ★
Google Review Rating
Flint Markets

Local lending across
every Flint neighborhood.

Flint Neighborhoods

Historic in-town districts, university-adjacent areas, and established suburban townships.

  • Carriage Town & Downtown
  • College Cultural & Mott Park
  • East Side & Civic Park
  • Grand Blanc & Flint Township nearby
Affordable & Rebuilding

A revitalizing healthcare, education, and manufacturing hub with some of the most affordable homes in the state.

  • First-time & affordable programs
  • Rehab & renovation financing
  • Genesee County coverage
  • Minutes to I-69 & I-75
Every Kind of Flint Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Historic rehab & renovation loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
Carriage TownDowntownCollege CulturalMott ParkCivic ParkEast SideGrand BlancFlint TownshipBurton
Loan Programs in Flint

Financing for every
kind of Flint buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Flint mortgage
questions answered.

We serve homebuyers and homeowners throughout Flint and Genesee County, including Carriage Town, Downtown, the College Cultural district, and Mott Park, plus Grand Blanc and Flint Township.
The 2026 conforming loan limit is $832,750 in Genesee County, including Flint. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Flint 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 Flint home journey?

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

Start My Application Call (561) 299-5825