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Best Mortgage Lenders in Lansing, MI

Sept. 26, 2019, 9:26 p.m.

Lansing has one of the top 10 housing markets in the nation, and average home values are expected to continue increasing over the next few years. If you’re looking to take advantage of the Lansing housing market, your two most important decisions are choosing a house and selecting a mortgage company to help you through the process. Our partners at ConsumerAffairs reviewed the best mortgage lenders in Lansing to help make your life easier.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Fox 47 News may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
AmeriSave

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CALL AMERISAVE
(866) 815-0655
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#1 MOST POPULAR
AmeriSave
AmeriSave
Features
  • Licensed in 49 states
  • 16 years of experience
  • Available in Lansing
  • Cash-out refinances
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CALL AMERISAVE
(866) 815-0655
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#2
HomeDirect
HomeDirect
Features
  • Direct lender
  • Online application service
  • Experienced mortgage to help guide your process
  • Available in Lansing
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#3
U.S. Capital Mortgage Partners
U.S. Capital Mortgage Partners
Features
  • Committed to professionalism
  • Free consultation
  • Online rates & mortgage calculators
  • Multiple loan types to fit your needs
Read More
Location
1300 N. Waverly Rd.
Lansing, MI 48917
(517) 351-5626
#4
Glacier Financial
Glacier Financial
Features
  • Online application available
  • Locally owned business
  • Established in 2001
  • Variety of loans available
Read More
Location
6427 Centurion Dr., Ste. 100
Lansing, MI 48917
(517) 853-8700
Stockton Mortgage Corporation
Stockton Mortgage Corporation
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • smcapproved.com
Location
6540 Millennium Dr., Ste. 180
Lansing, MI 48917
(517) 321-2300
Cherry Creek Mortgage Company
Cherry Creek Mortgage Company
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • cherrycreeklansing.com
Location
4480 Hagadorn Rd., Ste. 101
Okemos, MI 48864
(517) 202-7279
HomeLoans
HomeLoans
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 3pm
  • Closed Sun
  • homeloansweb.net
Location
4601 W. Saginaw Hwy., Ste. J1
Lansing, MI 48917
(517) 321-6059
Quicken Loans
Quicken Loans
Features
  • M-F: 8am - 9pm
  • Sat: 8am-7pm
  • Sun: 9am-6pm
  • quickenloans.com
Location
Serves residents in
Lansing, MI 83642
(800) 251-9080
Chase Mortgage
Chase Mortgage
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • homelendingadvisor.chase.com/Lansing-MI
Location
3118 E. Saginaw St.
Lansing, MI 48912
(517) 351-1333
Churchill Mortgage Okemos
Churchill Mortgage Okemos
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • churchillmortgage.com
Location
2525 Jolly Rd.
Okemos, MI 48864
(517) 853-0008

How to choose a mortgage lender in Lansing

Lansing skyline

One of the first steps in purchasing a home is to target one of the many diverse neighborhoods in Lansing. Whether you’re new to the area or looking for a new home in the city, some neighborhoods to consider would be the Westside Neighborhood, Greencroft Park or Old Oakland. This is not an exhaustive list—there are many good places to live in Greater Lansing, including:

Neighborhood Median home price Unique aspects of the neighborhood
Westside Neighborhood $72,000 Historic neighborhood with an active neighborhood association, most homes built between the late 1800s and the 1960s
Moores Park $76,150 Largely residential area that surrounds J.H Moores Park and Moores Park Outdoor pool, annual arts and music festival with porch performances
Old Oakland $72,000 Family-friendly neighborhood made of 92 percent homeowners, high number of historic homes

While you’re looking for a house, you should also be looking at mortgage lenders to help you establish a budget and work out what type of mortgage will work best for you. Different loans may work better for you depending on your credit history and personal circumstances, and some loans may only be available if you’re looking to move into specific neighborhoods.

Some of the types of mortgages available to homebuyers in Lansing include:

Advantages Qualifications
Conventional
  • Lower rates that can help you save money
  • Available with fixed or adjustable rates
  • Refinance options are available if interest rates decrease
Good credit score often required
Federal Housing Administration (FHA)
  • Flexible credit requirements
  • Low down payments (3.5%)
  • Financing options for up to 96.5% financing
  • Can have a cosigner
Ideal for first time home buyers and those with low credit scores
FHA 203 (K or H)
  • Can be used when a home is damaged or destroyed in a national emergency
House must have been in a designated disaster area
Jumbo
  • Intended for high-cost or luxury homes (more than $417,000)
Home must have high value
Veterans Affairs (VA)
  • Offers competitive interest rates
  • 100% cash-out refinancing
  • No early payoff fees
Must be a member of the U.S. military, a veteran or a surviving spouse
USDA (U.S. Department of Agriculture)
  • No down payment required
  • Offers a fixed interest rate
  • No closing costs
For approved rural areas and must meet income eligibility requirements

A good mortgage lender in Lansing can talk with you about your situation and guide you to the mortgage that will suit you best.

AmeriSave

AmeriSave

CALL AMERISAVE

(866) 815-0655

AmeriSave offers an easy application process and believes in being transparent with their clients. Reviews from Lansing homebuyers recommend AmeriSave for their excellent customer service and say the company’s agents helped alleviate the stress of obtaining a mortgage.

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HomeDirect

HomeDirect VISIT HOMEDIRECT

HomeDirect is an internet-only mortgage lender that offers a variety of loan types to homebuyers. HomeDirect has received many positive reviews in Lansing, with customers saying the company’s employees are extremely professional, quick and courteous.

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U.S. Capital Mortgage Partners

U.S. Capital Mortgage Partners

U.S. Capital Mortgage Partners offers a free consultation and online mortgage calculators. The company believes in establishing meaningful relationships with their clients to help them through the homebuying process. Homebuyers in Lansing rave about the attention and quality service they receive from the team at U.S. Capital Mortgage Partners.

Glacier Financial

Glacier Financial

Glacier Financial prides itself on taking care of its customers and providing tailored loan solutions. The company offers a variety of loan types to fit your needs. Lansing reviewers state that Glacier Financial provides the services expected from a larger mortgage company while still providing the attention expected from a small business.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.