Fixed-Rate Mortgages
A rate and principal-and-interest payment that never change for the life of the loan.
- 15, 20 and 30-year terms
- Predictable monthly budget
- Purchase or refinance
Beverly Hills, MI · ZIP 48025
Home Loans & Refinancing in Beverly Hills, Michigan
Beverly Hills is right next door to Tania's Birmingham office, and many of its homeowners have owned for years. Tania Yatooma, a Swift Home Loans mortgage specialist with more than 10 years of mortgage experience, helps Beverly Hills families refinance, tap their equity or buy their next home, and shows the numbers side by side before anyone signs.
- Free refinance review
- Rate-and-term & cash-out
- Purchase & jumbo loans
- Office next door in Birmingham
Get Your Free Beverly Hills Quote
Tell Tania what you're planning. She'll reply personally, usually the same business day.
- ZIP code
- 48025
- Refinance goals
- Lower payment, shorter term, no MI
- Buying
- Conventional, FHA, VA & jumbo
- Your mortgage specialist
- Tania Yatooma · 10+ yrs
Beverly Hills Home Loans
Loans for Beverly Hills Homeowners and Buyers
Beverly Hills is a quiet, tree-lined village between Birmingham and Southfield, with mid-century ranches, colonials and Cape Cods on generous lots. Most of the village is served by Birmingham Public Schools, including Groves High School.
Many owners have built substantial equity, and many buyers are moving up from nearby communities, so Tania works with both sides: refinancing and equity for owners, and purchase financing for buyers.
- Rate-and-term refinance to lower your rate or payment, or switch to a 15- or 20-year term.
- Remove mortgage insurance by refinancing from FHA to conventional once you have enough equity.
- Cash-out refinance or home equity loan for updates, tuition or debt payoff.
- Purchase loans from 3% down conventional and 3.5% FHA, plus VA and jumbo.
- Free side-by-side review of your current loan against today's options.
Mortgage Programs
Home Loan Options in Beverly Hills
Tania matches Beverly Hills buyers and homeowners with the program that fits their budget, timeline and goals.
FHA Loans
Government-insured loans popular with first-time buyers.
- Down payments from 3.5%
- Flexible credit guidelines
- 2026 limit $541,287 (1-unit)
VA Loans
A benefit earned by eligible veterans, active-duty service members and surviving spouses.
- Often $0 down payment
- No monthly mortgage insurance
- VA streamline refinance (IRRRL)
Jumbo Loans
Financing for homes where the loan is above the $832,750 conforming limit.
- Loan amounts above conforming limits
- Fixed and adjustable options
- Primary, second and investment homes
Renovation (Rehab) Loans
Buy or refinance a home and roll the cost of repairs and upgrades into one loan.
- FHA 203(k) and conventional renovation
- Kitchens, baths, roofs, additions
- Based on after-improvement value
Low Down Payment
You may need far less than 20% down. Programs start at 0–3% for qualified buyers.
- Conventional 3% down options
- FHA and VA programs
- Down payment assistance guidance
USDA Loans
Zero-down financing in eligible rural areas. Addresses in Beverly Hills generally don't qualify, but Tania can check homes farther out.
- No down payment required
- Income and location limits apply
- Eligibility checked by address
Home Equity & Refinance
Lower your rate or payment, or put your equity to work while keeping your first mortgage.
- Rate-and-term refinance
- Cash-out refinance
- Home equity loans
Down Payment Estimator
How Much Do You Need to Put Down in Beverly Hills?
Enter a purchase price to compare common down payment options. Buying in Beverly Hills? Compare common down payment options here.
Lowest typical down payment
Send This to Tania
$0
| Option | Down | Loan |
|---|
Estimate only, not a loan offer. Excludes closing costs, prepaids, financed fees and mortgage insurance. Program availability depends on credit, income, property and lender guidelines; 3% down is for eligible buyers.
Refinance Check-Up
What Do You Want Your Refinance to Do?
Every refinance starts with a goal. Here's what each one typically takes. Tania will tell you whether the numbers work for your loan.
| What it takes | Watch out for | |
|---|---|---|
| Lower my rate or payment | A new rate meaningfully below yours, with enough savings to cover closing costs | How long it takes for the savings to pay back the costs |
| Pay off my home faster | Room in your budget for a higher payment on a 15- or 20-year term | Make sure the payment still fits comfortably |
| Drop FHA mortgage insurance | Enough equity to refinance into a conventional loan, ideally 20%+ | Today's rate compared with your current FHA rate |
| Switch from adjustable to fixed | Qualifying for a fixed-rate loan before your rate adjusts | Timing, so you refinance before a large adjustment |
| Take cash out | Equity above about 80% of value for conventional and FHA | A home equity loan may be better if your current rate is low |
General information only. Refinancing may increase total finance charges over the life of the loan. See how cash-out refinancing works on the cash-out refinance page.
Michigan Buyers & Homeowners
Good to Know in Beverly Hills
Taxes reset when you buy
In Michigan, taxable value uncaps when a home is sold, so budget on the new value, not the seller's tax bill.
File your PRE
A Principal Residence Exemption (Form 2368) exempts your home from up to 18 mills of school operating taxes.
Refinancing doesn't uncap
A refinance isn't a transfer of ownership, so it doesn't reset your property taxes.
Pre-approval first
A full pre-approval tells you your price range and makes your offer stronger with Beverly Hills sellers.
Your path to closing
- 10-minute callShare your goals, budget and timeline.
- Pre-approval or options reviewTania reviews income, assets and credit and recommends a program.
- Offer or applicationShop with confidence, or start your refinance.
- Appraisal, approval & closingTania keeps your file moving and you updated.
FAQ
Home Loan Questions from Beverly Hills
Is it worth refinancing my Beverly Hills home?
It can be if a new loan meets a clear goal, such as a lower payment, a shorter term, removing mortgage insurance or switching to a fixed rate, and the savings cover the closing costs within a reasonable time. Tania can compare your current loan with today's options at no cost.
How do I remove FHA mortgage insurance?
FHA mortgage insurance usually stays for the life of the loan when the original down payment was under 10%. The most common way to remove it is to refinance into a conventional loan once you have enough equity. With 20% or more equity, a conventional loan has no mortgage insurance.
Should I do a cash-out refinance or a home equity loan?
If your current rate is well below today's rates, a home equity loan lets you keep it and borrow against your equity separately. If today's rates are similar to or lower than yours, a cash-out refinance can combine everything into one loan and one payment.
Does refinancing raise my property taxes in Michigan?
No. Under Michigan law, taxable value uncaps when ownership transfers, such as a sale. A refinance is not a transfer of ownership, so it does not reset your property tax bill.
What schools serve Beverly Hills, MI?
Most of Beverly Hills is served by Birmingham Public Schools, including Groves High School. Check the district for any specific address you're considering.
How long does a refinance take?
Many refinances close in about 30 days from application, depending on the appraisal, title work and how quickly documents come back.
How do I get started?
Call Tania at 248-385-3986 or email tania.y@swifthomeloans.com with your current rate, balance and what you'd like your loan to do. She'll run the options for you.
Nearby
Home Loans Near Beverly Hills
Tania helps buyers and homeowners across Oakland County, Macomb County and Southeast Michigan. See all loan programs and service areas.
- Birmingham
- Franklin
- Southfield
- Bloomfield Hills
- Berkley
- Royal Oak
- Oakland County
- Bingham Farms
- Bloomfield Township
Ready to Refinance or Buy in Beverly Hills?
Get a free side-by-side review of your options from a local mortgage specialist with 10+ years of experience.