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
Oakland County, MI · Birmingham, Troy, Novi & every community
Home Loans in Oakland County, Michigan
Based in Birmingham, Tania Yatooma is a Swift Home Loans mortgage specialist with more than 10 years of mortgage experience, helping buyers and homeowners across Oakland County, from Ferndale bungalows to Bloomfield Hills estates. She offers fixed-rate, FHA, VA, USDA, jumbo, renovation, low down payment and home equity loans, plus refinancing.
- Every Oakland County community
- Purchase & refinance
- Jumbo to low down payment
- Office in Birmingham
Get Your Free Oakland County Quote
Tell Tania what you're planning. She'll reply personally, usually the same business day.
- 2026 conforming limit
- $832,750 (1-unit)
- 2026 FHA limit
- $541,287 (1-unit)
- Office
- 805 E Maple Rd, Birmingham
- Your mortgage specialist
- Tania Yatooma · 10+ yrs
Oakland County Home Loans
A Local Lender for All of Oakland County
Oakland County's housing ranges from walkable inner-ring suburbs like Ferndale, Berkley and Royal Oak, to family suburbs like Troy, Rochester Hills, Novi and Farmington Hills, to higher-priced communities like Birmingham, Bloomfield Hills and Franklin.
Tania's office is in downtown Birmingham, and she works with local agents and title companies throughout the county. Use the community links below for local details.
- Purchase loans from $0 down VA to jumbo.
- First-time buyer help, including MSHDA down payment assistance guidance.
- Renovation loans for older homes across the county.
- Refinance, cash-out and home equity for current homeowners.
- One local point of contact from pre-approval to closing.
Mortgage Programs
Home Loan Options in Oakland County
Tania matches Oakland 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 Oakland 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 Oakland County?
Enter a purchase price to compare common down payment options. Works for any Oakland County price range and flags when you cross the FHA or conforming limit.
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.
2026 Loan Limits
2026 Oakland County Loan Limits
Loan limits decide whether your loan is conforming, FHA-eligible or jumbo. These are the 2026 limits for Oakland County.
| Conforming limit | FHA limit | |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | Higher than 1-unit; ask Tania |
| 3 units | $1,288,800 | Higher than 1-unit; ask Tania |
| 4 units | $1,601,750 | Higher than 1-unit; ask Tania |
Conforming limits are set by FHFA and FHA limits by HUD; both change each year. Loans above the conforming limit are jumbo loans. VA borrowers with full entitlement have no VA loan limit.
Michigan Buyers & Homeowners
Good to Know in Oakland 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 Oakland 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 Oakland County
What is the 2026 conforming loan limit in Oakland County?
For 2026, the conforming loan limit for a one-unit home in Oakland County is $832,750. Limits are higher for two- to four-unit properties, and loans above the limit are jumbo loans.
What is the 2026 FHA loan limit in Oakland County?
For 2026, the FHA loan limit for a one-unit home in Oakland County is $541,287. Higher limits apply to two- to four-unit properties.
Are there USDA-eligible areas in Oakland County?
Most of southern Oakland County is not USDA-eligible, but some addresses in the more rural northern part of the county may be. Eligibility is set by address and household income.
Can I get down payment assistance in Oakland County?
Possibly. MSHDA's MI 10K DPA offers up to $10,000 as a zero-interest, deferred second loan with an MSHDA first mortgage. Credit, income and sales price limits apply.
Will my property taxes match the seller's?
Usually not. In Michigan, taxable value uncaps when a home is sold, so your taxes are recalculated after you buy. A refinance does not uncap taxable value.
Where is Tania Yatooma's office?
Swift Home Loans, 805 E Maple Rd, Birmingham, MI 48009. Tania works with buyers and homeowners throughout Oakland County and Southeast Michigan.
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 the right program.
Nearby
Home Loans Near Oakland County
Tania helps buyers and homeowners across Oakland County, Macomb County and Southeast Michigan. See all loan programs and service areas.
Ready to Buy or Refinance in Oakland County?
Get a free pre-approval or refinance review from a Birmingham-based mortgage specialist with 10+ years of experience.