Your Local Mortgage Lender
Located in Independence Township Michigan
Serving all of MI
Personalized Mortgage Experience
Dan Rogers offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Get notified when it’s the right time to refinance your home
Small savings add up fast, we can help you improve your financial future
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Independence Township Michigan.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Down Payment Assistance Programs in Michigan That Independence Township Buyers Need to Know About
Down Payment Assistance Programs in Michigan That Independence Township Buyers Need to Know About
The Programs Most Buyers in Independence Township Never Hear About
If the down payment has been the primary reason you have been putting off buying a home in Independence Township the Q1 2026 Homeownership Program Index just confirmed something worth paying close attention to. There are currently 2,679 active down payment assistance programs available nationwide and Michigan is home to several of the most accessible and impactful programs available to first-time and repeat buyers in communities like Independence Township.
Most buyers never find out about these programs because most lenders never bring them up. The information gap between buyers who know to ask and buyers who do not translates directly into thousands of dollars of assistance either captured or left behind.
Michigan State Housing Development Authority Programs
The Michigan State Housing Development Authority commonly known as MSHDA is the primary source of down payment assistance for buyers across the state including Independence Township and the surrounding Oakland County communities.
The MI Home Loan program offers down payment assistance of up to $10,000 for qualifying buyers purchasing in Michigan. That assistance is structured as a zero-interest second mortgage that is due when the home is sold, refinanced, or paid off. For buyers who are planning to stay in the home for several years the interest-free structure makes this one of the most cost-effective assistance programs available anywhere in the state.
The MI Home Loan Flex program extends eligibility to a broader range of buyers including those who have owned a home previously, removing the strict first-time buyer requirement that applies to some other programs. For buyers in Independence Township who do not qualify as first-time buyers under the standard three-year definition this expanded eligibility is worth exploring specifically.
Both programs can be paired with FHA, conventional, VA, or USDA loan products depending on the buyer's specific financial profile and goals.
Why Oakland County Buyers Should Also Ask About Local Programs
Beyond the state-level MSHDA programs Oakland County and several local municipalities have periodically administered their own down payment and closing cost assistance programs funded through federal Community Development Block Grant allocations. The availability and terms of these local programs change based on funding cycles and program activity so the most reliable way to know what is currently active and what you qualify for is a direct conversation with a lender who is connected to these resources.
Independence Township buyers who are purchasing in USDA-eligible areas may also qualify for zero down payment financing through the USDA Rural Development program. While much of Oakland County falls outside USDA eligibility boundaries the geographic edges of the county including some communities in the Independence Township area may qualify and verifying USDA eligibility for a specific property address is always worth doing early in the process.
The Question to Ask Every Lender You Speak With
The most immediately actionable step any buyer in Independence Township can take is specific and simple. When you speak with a loan officer ask them directly which down payment assistance programs you qualify for based on your location, your income level, and your purchase price range.
A lender who is connected to MSHDA and familiar with local program availability will be able to walk you through what applies to your specific situation. A lender who cannot give you a specific answer either does not have access to those programs or has not invested the effort to identify them for buyers in their market.
The assistance that exists right now for Independence Township buyers represents real and meaningful reduction in the upfront cost of homeownership. The only question is whether you find out about it in time to use it.
Dan Rogers works with Independence Township buyers to identify every applicable down payment assistance program and build a purchasing strategy that captures every available dollar of assistance. Reach out to Dan Rogers to find out which programs you qualify for and what your real out of pocket cost to become a homeowner in Independence Township actually looks like.
Sources
MSHDA.gov HUD.gov DownPaymentResource.com NAR.realtor MortgageNewsDaily.com
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