Local Michigan brokerage serving Troy homebuyers and homeowners. 30+ wholesale lenders, sub-21-day closes, 5.0★ Zillow rating. Our Dearborn office is just 35 minutes away — most Troy clients close entirely by phone.
Troy is Oakland County's premier corporate-suburb market, anchored by Troy School District (consistently ranked top in Michigan) and home to major employer headquarters. Median home prices typically run $400K-$650K, with custom builds and luxury homes in northern neighborhoods reaching $1M+. Strong year-over-year appreciation.
Loans aren't the same in every market. Troy's specifics matter — and we've closed enough loans here to know them.
Troy attracts relocating corporate executives — closing on time, every time, matters because timelines are often tied to job-start dates. Our sub-21-day close and full pre-approval underwriting are designed exactly for this scenario. We routinely close Troy purchases on the day they were scheduled, no exceptions.
Troy properties typically have clean title, but we watch for two specifics: HOA documents in established subdivisions (some have significant amenity fees), and any easements in northern Troy where larger lot sizes sometimes create access or utility right-of-way considerations.
Troy purchases often exceed Oakland County income limits for first-time MSHDA assistance, but MI Home Loan Flex serves higher-income buyers in targeted areas. Many Troy buyers are move-up purchasers using equity from current home sales rather than down payment assistance. See DPA programs →
Our Dearborn office is about 35 minutes south of Troy. Most Troy clients (especially corporate-relocation buyers) handle financing by phone and digital signature, with closings at Oakland County title companies.
Troy neighborhoods we've closed in: Beverly Hills border, Charnwood, Oakwood, Stratford, Berry Hill, Greenwood, Northfield Hills, Sylvan Glen.
Whether you're buying your first home in Troy, refinancing a long-time residence, or moving up to a larger property — we have a program that fits.
Conventional, FHA, VA, USDA, Jumbo. Pre-approval in hours, sub-21-day close. Learn more →
Rate-and-term to lower your payment, or cash-out for renovation/debt consolidation. Learn more →
Tap your equity for renovation, debt consolidation, or bridge financing. Learn more →
MSHDA grants and forgivable loans for Michigan first-time buyers. Learn more →
A mortgage broker shops your loan across multiple wholesale lenders to find the best rate and program for your situation. A bank can only offer their own products. Express Home Loans works with 30+ wholesale lenders, so we can compare rates across the market on every file.
Mortgage rates are set nationally based on bond markets, so the base rate is the same across Michigan. However, county-level appraisal values, FHA loan limits, and down payment assistance programs vary by location. Troy is in Oakland County, which uses the standard Michigan FHA limit of $541,287 for 2026.
No. Our office is in Dearborn, but we serve all of Michigan and regularly close loans for Troy clients. Mortgage applications can be completed entirely remotely if needed — most Troy clients work with us by phone and digital signature.
Yes — Troy sees many of these. We can take a relocation buyer from initial call to closing in under 21 days, sometimes faster on rate-and-term refinances. The key is getting pre-approval and documentation started before you've even chosen a home. Many corporate relocation packages reimburse closing costs and rate buydowns, and we coordinate documentation with employer relocation departments.