Mortgage Broker · Oakland County
Best Mortgage Broker in Birmingham, MI
Innovation Mortgage is a 5.0-star mortgage broker serving Birmingham, MI, with 320+ reviews and deep experience financing the city's upscale, walkable-downtown homes. Our broker model, including jumbo options, gets Birmingham buyers and homeowners the sharpest terms.
Why Birmingham chooses Innovation Mortgage
We're a broker, not a single bank, so we shop dozens of lenders to win you the right loan. Here's what that means for Birmingham buyers and homeowners.
Local and licensed
Headquartered minutes away in Farmington Hills and licensed across Michigan, we know Oakland County price points, agents, and appraisers.
Better rates by shopping
As an independent broker we compare many lenders at once, instead of pushing one bank's rate sheet.
5.0-star service
Rated 5.0 stars across 320+ five-star Google reviews. Real people who answer the phone and keep you updated.
Fast closings
Many Birmingham clients close in about two to three weeks once documents are in.
Every loan type
Conventional, FHA, VA, jumbo, DSCR, and refinance, matched to your goals.
No-pressure guidance
Free pre-approvals and honest advice. We only recommend a move when it truly helps you.
The Birmingham mortgage market
Birmingham is one of Metro Detroit's most prestigious communities, with a vibrant downtown, historic homes, luxury condos, and new builds commanding premium prices. Buyers here often need jumbo financing and value discretion and speed, exactly what our broker approach delivers. We know Birmingham's blocks and appraisers well.
Areas we serve nearby: Downtown Birmingham, Quarton Lake, Poppleton Park, Pembroke.
Also lending in: Bloomfield Hills, Royal Oak, Troy, Beverly Hills
Loan programs available in Birmingham
Conventional
Flexible financing with as little as 3% down.
FHA
Low down payment and forgiving credit guidelines.
VA
$0 down for eligible veterans and active military.
Jumbo
Financing above conventional limits for higher price points.
Refinance
Lower your rate, shorten your term, or take cash out.
DSCR / Investment
Qualify on the property's rental income, not your W-2.
Birmingham mortgage FAQs
Who is the best mortgage broker in Birmingham, MI?
Innovation Mortgage is one of the highest-rated mortgage brokers serving Birmingham and Oakland County, with a 5.0-star average across 320+ five-star Google reviews. As an independent broker we compare offers from many lenders instead of pushing one bank's products, which usually means a better rate and the right program for Birmingham buyers and homeowners.
Does Innovation Mortgage serve Birmingham, Michigan?
Yes. Our team is headquartered nearby in Farmington Hills and lends throughout Birmingham and all of Oakland County. Call (248) 720-1032 or apply online to get started, and in-person appointments are welcome.
What home loans are available in Birmingham?
We offer conventional, FHA, VA, jumbo, DSCR (investment), and refinance loans, plus first-time buyer programs. Because we are a broker, we match Birmingham borrowers to the lender and program that fits their credit, down payment, and goals.
How fast can I close on a home in Birmingham?
Timelines vary by loan and file, but many of our Birmingham-area clients close in about two to three weeks once documents are in. We are known for moving quickly and keeping you updated at every step.
Do you help first-time home buyers in Birmingham?
Absolutely. A large share of our Birmingham clients are first-time buyers. We walk you through pre-approval, down payment options (including low- and no-down-payment programs you may qualify for), and every step to closing.
Can I refinance my Birmingham home with Innovation Mortgage?
Yes. We help Birmingham homeowners refinance to lower their rate or payment, shorten their term, consolidate debt, or take cash out. We will run the numbers for free and only recommend a refinance if it clearly benefits you.
Ready to get started in Birmingham?
Get a fast, no-pressure pre-approval or talk through your options with a local loan officer.