Mortgage Broker · Oakland County
Best Mortgage Broker in Troy, MI
Innovation Mortgage is one of the highest-rated mortgage brokers serving Troy, MI (5.0 stars, 320+ reviews), with strong experience across Troy's competitive, high-demand neighborhoods. As a broker we compare dozens of lenders to get Troy buyers and homeowners the best rate and program.
Why Troy 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 Troy 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 Troy 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 Troy mortgage market
Troy is a premier Oakland County suburb known for top-ranked schools, the Somerset Collection, and a major corporate presence, all of which drive steady home values and strong resale demand. Its housing ranges from spacious colonials and subdivisions to condos and luxury homes, so buyers here use everything from conventional to jumbo loans. We help Troy clients move quickly in a market where good homes go fast.
Areas we serve nearby: Somerset, Raintree Village, Charnwood, Emerald Lakes.
Also lending in: Birmingham, Rochester Hills, Royal Oak, Bloomfield Hills
Loan programs available in Troy
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.
Troy mortgage FAQs
Who is the best mortgage broker in Troy, MI?
Innovation Mortgage is one of the highest-rated mortgage brokers serving Troy 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 Troy buyers and homeowners.
Does Innovation Mortgage serve Troy, Michigan?
Yes. Our team is headquartered nearby in Farmington Hills and lends throughout Troy 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 Troy?
We offer conventional, FHA, VA, jumbo, DSCR (investment), and refinance loans, plus first-time buyer programs. Because we are a broker, we match Troy borrowers to the lender and program that fits their credit, down payment, and goals.
How fast can I close on a home in Troy?
Timelines vary by loan and file, but many of our Troy-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 Troy?
Absolutely. A large share of our Troy 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 Troy home with Innovation Mortgage?
Yes. We help Troy 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 Troy?
Get a fast, no-pressure pre-approval or talk through your options with a local loan officer.