What You’ll Learn Here
This page is your all-in-one guide to:
-
Understanding the Michigan home-buying process
-
Learning about mortgage options (and how to find the best fit for you)
-
Estimating your payment, taxes, and costs
-
Exploring first-time homebuyer programs and local assistance
-
Connecting with trusted professionals in your new community
Understanding the Michigan Home Buying Process
If you’re new to Michigan, the home-buying process here might feel a little different than what you’re used to. That’s why we’ve created detailed guides to help you every step of the way:
-
How Much House Can I Afford in Michigan?
Learn how to calculate your budget, what lenders look for, and how Michigan property taxes and insurance impact your payment. -
Moving to Michigan? Here’s What You Need to Know About Buying a Home
Get a full overview of the Michigan market — from closing costs and average home prices to regional trends in Grand Rapids, Detroit, and beyond. -
Everything You Need to Know About Michigan Property Taxes
Michigan’s property tax system can be tricky. This guide breaks it down and explains how JPAL works with local experts to make sure your taxes are accurate. -
Average Cost of a House in Michigan
Explore real-world price ranges by city and region so you can plan your move and budget with confidence. - Our Complete "What to Expect" Guide on the Mortgage Process
Check it out!
Whether you’re buying your first home or relocating for a new job, JPAL Mortgage offers loan options designed around you.
Here are some of the most common types of mortgages for Michigan buyers:
-
Conventional Loans – Great for buyers with solid credit and a down payment of at least 3%.
-
FHA Loans – Popular for first-time buyers and those with smaller down payments.
-
VA Loans – Special benefits for veterans, active-duty service members, and eligible spouses.
-
Jumbo Loans – For higher-priced homes, especially in metro areas like Ann Arbor and Oakland County.
Want to know which one fits you best? Start with a quick Prequalification with JPAL Mortgage — it’s fast, friendly, and helps you shop confidently.
Tools & Resources
Make your Michigan move simple with these helpful tools:
-
Michigan Mortgage Payment Calculator
Estimate your total monthly payment — including principal, interest, taxes, insurance, and PMI. -
Property Tax Estimator
Understand your local millage rate and how it affects your payment. -
Homebuyer Readiness Checklist
A step-by-step guide to prepare for your move and mortgage application. -
Michigan First-Time Homebuyer Programs – First-time buying a home? That's great. Let's find the right one for you.
Why Work With JPAL Mortgage
We’re proud to call Michigan home — and we love helping others make it theirs, too.
When you work with JPAL, you get:
-
Real people who care about your story
-
Clear communication from start to finish
-
Expert local knowledge and personalized loan options
-
Access to our network of trusted real estate and relocation partners
Your move to Michigan starts here — and we’re honored to be part of it.
Hear From (actual) Families Who Moved to Michigan with JPAL
Justine L.
★★★★★
"Jeremy helped us with the purchase of our very first home. He was extremely helpful throughout the entire process. He answered every question we had - big or small - as if it was the most important thing he could be doing in that moment. He made us feel very cared for and was extremely efficient at giving us updates along the way. Do not question your choice to work with Jeremy! We are so glad we did."
Ben C.
★★★★★
"Great service and rate! Adam "quarterbacked" the home loan process for my family. He is friendly and did a great job educating us, finding solutions, and following up to make sure everything was on schedule through closing. We couldn't have been happier about the experience with JPAL."
Jason H.
★★★★★
"Adam and Jeremy with JPAL mortgage are top notch when it comes to looking for a mortgage from a broker. From their professionalism, friendly demeanor, willingness to educate and offer solutions to their desire to get their clients the best most cost effective loan, the team at JPAL go above and beyond and exceed expectations. I had a tight window to close after changing lenders with a purchase out of state and Adam and team jumped right in, found me a better loan than I originally had and got me approved in 10 days. Always available and great communication, both Adam and Jeremy were always available for my concerns. Amazingly I don’t think I ever talked to a voice mail. JPAL exceeded all expectations. If your looking for a home loan, go with the best of the best and reach out to JPAL, you will not be disappointed and will get top notch service."
Dustin H.
★★★★★
"JPAL is absolutely fantastic! I've worked with Jeremy on multiple mortgages and he always impresses and delivers! What Jeremy and Adam are building at JPAL is excellent for all homeowners. I very highly recommend JPAL!!"
Michael S.
★★★★★
"JPAL Mortgage was the most wonderful experience we have ever had in purchasing a home! They constantly kept us apprised of the progress in securing the loan and working a miracle in closing on our home in a 2 week time period. Jeremy Pins especially, was a joy to work with. Nothing was impossible for him to accomplish. Jeremy's knowledge, experience, guidance, and advice on the direction we should consider in a very difficult financial climate was absolutely amazing! If/when we plan to purchase another property, JPAL will be the only company we will consider. We will recommend to anyone in the market to purchase property, JPAL are true 'miracle workers'!"
Tim W.
★★★★★
"Jeremy assisted us with navigating the mortgage process for our move from out of state. He was responsive and attentive to our needs. He even worked on our mortgage with us while we were out of the country for a family emergency. When we were able to locate a home, we closed in record time. Responsive, attentive and efficient. Jeremy was great to work with!"