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Now Lending in Troy

Troy home loans —
the heart of Oakland County.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Troy and Oakland County. From upscale subdivisions near Somerset to the Birmingham border, we bring local guidance to one of Michigan's strongest suburban markets — 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
Oakland County
Troy Coverage
14 days*
Close In As Little As
$832,750
2026 Oakland County Conforming Limit
5.0 ★
Google Review Rating
Troy Markets

Local lending across
every Troy neighborhood.

Troy Neighborhoods

Upscale suburban subdivisions, top-rated school districts, and established residential corridors.

  • Somerset & the Big Beaver corridor
  • Troy Corners
  • Birmingham & Beverly Hills border
  • Rochester Hills nearby
Corporate & Retail Hub

A robust corporate, finance, and retail economy with strong, sought-after housing.

  • Relocation & move-up programs
  • Jumbo & high-balance lending
  • Oakland County coverage
  • Minutes to I-75 & Somerset Collection
Every Kind of Troy Buyer

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

  • First-time & move-up buyers
  • Renovation & new-construction loans
  • Jumbo financing for Somerset-area luxury
  • Investment & rental properties (DSCR)
SomersetTroy CornersBig Beaver corridorBirmingham borderBeverly Hills borderClawson borderRochester HillsSylvan GlenRaintree
Loan Programs in Troy

Financing for every
kind of Troy buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Troy mortgage
questions answered.

We serve homebuyers and homeowners throughout Troy and Oakland County, including the Somerset area, Troy Corners, the Big Beaver corridor, and the Birmingham border, plus Rochester Hills nearby.
The 2026 conforming loan limit is $832,750 in Oakland County, including Troy. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Troy 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 Troy home journey?

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

Start My Application Call (561) 299-5825