Mortgage broker in Detroit, MI
I'm Ty Paris — a licensed mortgage broker (NMLS 2784913) at Bolt Home Loans, based in Detroit. I help first-time home buyers, veterans, self-employed borrowers and real estate investors across Metro Detroit get pre-approved fast and close with confidence.
Why work with a local Detroit mortgage broker
A mortgage broker in Detroit shops your loan across multiple wholesale lenders instead of pushing one bank's product. That competition typically means better interest rates, lower fees, and more loan program options — especially for FHA loans, VA loans, USDA rural loans, and Non-QM programs that big retail banks often decline. Because I live and work in the 313, I know Detroit neighborhoods, Wayne County property taxes, MSHDA down payment assistance, and local title and appraisal partners who close on time.
- Wholesale rates across dozens of lenders
- 24-hour pre-approval letters that win offers
- MSHDA & down payment assistance guidance
- FHA, VA, USDA, Conventional and Non-QM under one roof
- Bank statement loans for self-employed buyers
- DSCR loans for Detroit rental & investor properties
Home loan programs available in Detroit
FHA loans in Detroit
3.5% down, credit scores from 580, flexible debt-to-income. Great for first-time home buyers in Wayne, Oakland and Macomb counties.
VA loans for Michigan veterans
0% down, no PMI, competitive rates for eligible veterans, active-duty service members and surviving spouses.
USDA rural home loans
0% down financing for eligible areas outside the Detroit metro core — Monroe, Livingston and outlying Washtenaw County.
Conventional & jumbo mortgages
As little as 3–5% down for conventional; jumbo loans above the Wayne County conforming limit for higher-priced Detroit homes.
Non-QM & bank statement loans
12 or 24 months of bank statements instead of tax returns — built for self-employed Detroit borrowers and 1099 earners.
DSCR investor loans
Qualify a Detroit rental purchase on the property's cash flow, not your personal income. Ideal for BRRRR and buy-and-hold investors.
Detroit neighborhoods & metro areas I serve
I close home loans throughout the City of Detroit and the wider Metro Detroit market — including Downtown, Midtown, Corktown, Woodbridge, Boston-Edison, Palmer Woods, Indian Village, Rosedale Park, East English Village, Southwest Detroit, Grosse Pointe, Dearborn, Royal Oak, Ferndale, Hamtramck, Warren, Sterling Heights, Livonia, Redford, Southfield, Troy, Novi and Ann Arbor. If your home purchase or refinance is in Wayne, Oakland, Macomb or Washtenaw County, I can help.
Detroit mortgage FAQ
- How do I find a good mortgage broker in Detroit?
- Look for a licensed mortgage broker with a verifiable NMLS ID, experience with Michigan first-time buyer programs like MSHDA, and access to multiple wholesale lenders so you get competitive rates. Ty Paris is licensed under NMLS 2784913 and works with a national wholesale network through Bolt Home Loans.
- What credit score do I need for an FHA loan in Detroit?
- FHA loans in Detroit are typically available for credit scores as low as 580 with a 3.5% down payment. Some lenders will go to 500 with 10% down. I can pre-qualify you in about 24 hours.
- Do you offer VA loans for Detroit veterans?
- Yes. VA home loans require 0% down, no PMI, and offer competitive rates for eligible veterans, active-duty service members and surviving spouses in Detroit and across Michigan.
- Can a self-employed borrower get a mortgage in Detroit?
- Yes. Non-QM bank statement loans use 12 or 24 months of business or personal bank deposits instead of tax returns, which is ideal for self-employed Detroit buyers, 1099 earners and small business owners.
- How fast can you close a home loan in Detroit?
- Most purchase loans in the Detroit metro close in 21 to 30 days. Non-QM and DSCR investor loans can close in as little as 21 days when appraisal and title move quickly.
Ready to get pre-approved in Detroit?
Call or text 313-307-2664 for a real conversation — no credit pull, no pressure. Or email TParis@BH.Loans.