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
Macomb County, MI · Sterling Heights, Warren, Shelby & beyond
Home Loans in Macomb County, Michigan
From Sterling Heights and Warren to Shelby Township and the lakeshore, Macomb County offers a lot of home for the money. Tania Yatooma, a Swift Home Loans mortgage specialist with more than 10 years of mortgage experience, helps Macomb County buyers use zero- and low-down payment loans, including VA loans for veterans and service members.
- VA & USDA from $0 down
- FHA from 3.5% down
- Refinance & home equity
- Free pre-approval
Get Your Free Macomb County Quote
Tell Tania what you're planning. She'll reply personally, usually the same business day.
- Zero down
- VA & USDA (eligible buyers/areas)
- 2026 FHA limit
- $541,287 (1-unit)
- 2026 conforming limit
- $832,750 (1-unit)
- Your mortgage specialist
- Tania Yatooma · 10+ yrs
Macomb County Home Loans
Buying a Home in Macomb County
Macomb County ranges from established suburbs like Warren, Sterling Heights, St. Clair Shores and Roseville, to growing communities in Macomb, Shelby and Chesterfield townships, to small towns and open land in the north. It's also home to Selfridge Air National Guard Base.
That variety means nearly every loan program has a place here, from VA and FHA to USDA in eligible areas and jumbo for larger homes.
- VA loans for veterans, service members and eligible surviving spouses, often $0 down.
- USDA loans with $0 down for homes in eligible areas.
- FHA loans from 3.5% down with flexible credit guidelines.
- Conventional loans from 3% down for eligible buyers.
- Refinance and home equity options for current homeowners.
Mortgage Programs
Home Loan Options in Macomb County
Tania matches Macomb County 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. Some addresses in northern Macomb County may qualify; Tania can check any address.
- 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 Macomb County?
Enter a purchase price to compare common down payment options. Choose "Yes" for VA if you're an eligible veteran or service member.
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.
Zero & Low Down
VA vs. USDA vs. FHA in Macomb County
Three ways to buy with little or nothing down. Tania will confirm which ones you and the property qualify for.
| VA | USDA | FHA | |
|---|---|---|---|
| Down payment | Often $0 | $0 | 3.5% (580+ credit) |
| Who qualifies | Eligible veterans, service members and surviving spouses | Buyers under the income limit, in an eligible area | Most buyers; primary residence |
| Where | Anywhere in the county | Eligible rural areas only, checked by address | Anywhere in the county |
| Mortgage insurance | No monthly MI; VA funding fee unless exempt | Upfront and annual guarantee fees | Upfront and annual MIP |
| 2026 loan limit (1-unit) | No VA limit with full entitlement | No set limit; income limits apply | $541,287 |
Guidelines summarized for general information and subject to change. Swift Home Loans' requirements may differ. USDA eligibility depends on the property address and household income.
For Selfridge and military families
- Get your Certificate of Eligibility early. Tania can usually request it for you.
- PCS orders? A VA loan can work even if you're buying before you arrive.
- Disability-related exemptions. Veterans receiving VA disability compensation are generally exempt from the funding fee.
- Already own with VA? Ask about a VA streamline refinance (IRRRL).
Michigan Buyers & Homeowners
Good to Know in Macomb County
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 Macomb County 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 Macomb County
Can I buy a home in Macomb County with no money down?
Possibly. VA loans often require $0 down for eligible veterans and service members, and USDA loans offer $0 down for eligible buyers in eligible areas. You'll still have closing costs, which seller concessions can sometimes cover.
Are there USDA-eligible areas in Macomb County?
Some addresses in the more rural northern part of the county may be eligible. USDA eligibility is set by address and household income, so Tania can check any specific home for you.
Can Selfridge service members use a VA loan?
Yes. Active-duty service members, Guard and Reserve members who meet service requirements, and veterans can use a VA loan. Tania can help request your Certificate of Eligibility.
What is the 2026 FHA loan limit in Macomb County?
For 2026, the FHA limit for a one-unit home in Macomb County is $541,287. Higher limits apply to two- to four-unit properties.
What is the 2026 conforming loan limit in Macomb County?
For 2026, the conforming limit for a one-unit home in Macomb County is $832,750. Loans above that amount are jumbo loans.
Does Tania work with Macomb County buyers if her office is in Birmingham?
Yes. Tania works with buyers and homeowners throughout Southeast Michigan, and most of the process can be handled by phone, email and secure document upload.
How do I get pre-approved?
Call Tania at 248-385-3986 or email tania.y@swifthomeloans.com. She'll review your income, assets and credit and recommend VA, USDA, FHA or conventional financing.
Nearby
Home Loans Near Macomb County
Tania helps buyers and homeowners across Oakland County, Macomb County and Southeast Michigan. See all loan programs and service areas.
- Oakland County
- Troy
- Rochester Hills
- Clawson
- Royal Oak
- Ferndale
- Birmingham
- Sterling Heights
- Warren
- Shelby Township
- Macomb Township
- Clinton Township
- St. Clair Shores
- Chesterfield
Ready to Buy in Macomb County?
Find out if you qualify for VA, USDA or FHA financing, with a free pre-approval from a mortgage specialist with 10+ years of experience.