I'm James Nieman. My mission is to exceed your expectations by guiding you to the solutions which will allow you to achieve your goals. Backed by my history of success as a seasoned mortgage banking professional, I have what it takes to foster business growth. When doing business with you, I strive to uphold exceptional mortgage and lending practices.
We are a full-service mortgage company based in Rochester Hills, Michigan. We specialize in residential mortgages in Rochester Hills. We also serve the surrounding cities in Oakland County, Macomb County, Livingston County, St. Clair County, Wayne County, Gennesse County, and Monroe County. Whether you are buying a home or refinancing in any of these zip codes: 48307, 48309, 48306, 48044, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following:
Residential loans play a central role in helping buyers secure the right home with confidence, and Michigan Home Loans is committed to making that process clear and achievable. Our team provides reliable guidance, competitive loan options, and a straightforward approach that supports buyers at every stage of their journey. Whether you’re purchasing your first home, moving into a new space, or exploring long-term financing solutions, we tailor our residential loan recommendations to match your goals and financial comfort. With focused expertise and local market insight, we make securing a residential loan a smoother, more informed experience from start to finish.
A strong home equity service can open the door to new financial possibilities, and Michigan Home Loans is dedicated to helping homeowners use their equity with clarity and confidence. By evaluating your home’s value, current mortgage, and long-term goals, we provide practical options that fit your needs, whether you are planning improvements, consolidating debt, or creating financial flexibility. Our team offers clear guidance, dependable support, and a local understanding of the market, making the equity process straightforward from start to finish. With Michigan Home Loans, you can access your home’s equity in a way that strengthens both your present and your future.
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes Michigan Home Loans unique is that we offer the following niche programs as well: streamline refinance, VA IRRL interest rate reduction, 203k, multiple investors, and financing solutions.
Contact Michigan Home Loans today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
Answer a few quick questions, No Hassle, No Obligation
