Specialty Mortgage Programs in Michigan
Not every borrower fits the conventional mortgage mold, and that's okay. Michigan Mortgage Solutions offers a wide range of specialty and non-QM loan programs for self-employed borrowers, foreign nationals, ITIN holders, and more.
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Specialty Loan Programs Options
Explore all of our specialty loan programs programs and find the right fit for your situation.
Bank Statement Loans
Self-employed? Qualify using 12–24 months of bank statements instead of tax returns. No W-2s required. Ideal for business owners, freelancers, and gig workers.
Learn More →Non-QM Loans
Non-Qualified Mortgage loans for borrowers who don't meet standard agency guidelines. Asset depletion, 1099-only, and other alternative income documentation accepted.
Learn More →ITIN Loans
Home financing for borrowers without a Social Security Number using an Individual Taxpayer Identification Number (ITIN). We help Michigan's immigrant community achieve homeownership.
Learn More →Manufactured & Mobile Home Loans
FHA, VA, and conventional financing for manufactured homes on permanent foundations. We work with both new and existing manufactured homes.
Learn More →Construction Loans
Finance the construction of your new home with a single-close construction-to-permanent loan. Lock your rate before breaking ground.
Learn More →Reverse Mortgages (HECM)
Homeowners 62+ can access their home equity without monthly mortgage payments. We'll walk you through the pros, cons, and eligibility requirements.
Learn More →Why Michigan Mortgage Solutions?
We've been helping Michigan families achieve homeownership since 1999. Here's what sets us apart.
Practice Purchase™ System
Our exclusive process lets you simulate your mortgage before you commit, no risk, no hard credit pull.
Expert Team of 5 Loan Officers
From first-time buyers to seasoned investors, our specialists match you with the right expert for your situation.
Same-Day Approvals Available
Get a verified pre-approval letter the same day in many cases, so you can make competitive offers with confidence.
Access to 50+ Lenders
As a broker, we shop your loan across dozens of lenders to find the best rate and terms, not just one bank's products.
Specialty & Hard-to-Place Loans
Self-employed? Low credit? High DTI? ITIN? We have programs for borrowers other lenders turn away.
Step-by-Step Guidance
We guide you from first conversation to closing day, no guesswork, no surprises, just clear communication.
What Our Clients Are Saying
275+ five-star reviews from homebuyers, homeowners, and investors across Michigan.
"Trevor and the team at Michigan Mortgage Solutions made buying our first home so easy. They walked us through every step and got us a rate we couldn't believe. Highly recommend!"
"I was self-employed and thought getting a mortgage would be a nightmare. Jason found us a bank statement loan that worked perfectly. Closed in 28 days!"
"Used the Practice Purchase™ system before we were ready to buy. It gave us a clear picture of exactly what we could afford. When we were ready, the actual purchase was a breeze."
Specialty Loan Programs FAQs
Ready to Get Started with Specialty Loan Programs?
Get your free mortgage consultation today. No hard credit pull. No obligation.