Jumbo
to $2M+
Most Ann Arbor homes exceed conforming limits, jumbo is the norm
Mortgage Rates in Ann Arbor, MI
Current mortgage rates in Ann Arbor for conventional, FHA, VA and jumbo loans. Washtenaw County expertise, jumbo specialists for high-value homes and fast closings across greater Ann Arbor.
No credit impact to see your personalized rates. Pre-qualification is a soft pull.
Why Ann Arbor buyers choose TouchPoint
- Local expertise across the metro
- Same-day pre-qualification
- Closings in 18–25 days, not 45
- NMLS-licensed loan officer available when you need one
- 24/7 AI assistant (Ava) for any question, no pressure
Loan programs available in Ann Arbor
Conventional
5% down
Available for properties at or under the conforming limit
FHA
3.5% down
Limited inventory at FHA price points but available
VA
0% down
Strong VA usage for active-duty and veterans in the area
Portfolio
Flexible
Non-QM options for self-employed borrowers and complex income
Physician Loan
0-5% down
For residents and fellows at Michigan Medicine, St. Joseph Mercy
Ann Arbor market snapshot
| Median home price | $475,000 |
|---|---|
| Property tax rate | ~1.7% effective (Washtenaw County) |
| Transfer tax | None in Michigan |
| Typical days on market | 24 days |
Market data is approximate and based on recent county-level trends. Actual figures vary by neighborhood and property type. TouchPoint does not guarantee any specific rate or term.
Areas we serve in and around Ann Arbor
Downtown Ann Arbor, Kerrytown, Burns Park, Old West Side, Eberwhite, Scio Township, Pittsfield Township, Saline, Dexter, Chelsea
Frequently asked questions about mortgages in Ann Arbor
Why are jumbo loans so common in Ann Arbor?
The median home price in Ann Arbor is around $475,000, well above the 2026 conforming loan limit of ~$806K (and rising in high-cost areas). Many homes still fall under the conforming limit but anything above requires a jumbo loan with stricter credit and reserve requirements.
Do physicians get special loan programs in Ann Arbor?
Yes. Physician loans (also called doctor loans) allow 0-5% down with no PMI for residents, fellows and attending physicians. They consider future income instead of just current. TouchPoint works with several lenders offering physician loans for Michigan Medicine and IHA providers.
Is Ann Arbor a good market for self-employed borrowers?
Yes. Ann Arbor's high concentration of tech, healthcare and university professionals includes many self-employed borrowers. Bank statement loans, P&L programs and asset-based qualification are all available through TouchPoint.
How long does it take to close in Ann Arbor?
TouchPoint closes most Ann Arbor purchases in 18-25 days. Washtenaw County recording is generally quick. Refis run 14-21 days.
Ready to see your Ann Arbor mortgage options?
Pre-qualify in about 60 seconds. No credit impact, no commitment, no pressure.
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