Personal guidance
Your property, goals, and financial picture shape the conversation—not a single preset product.
A Trusted Broker Shop · Home purchase
Mortgage guidance built around where you want to go.
Compare home-financing options through the broker model, with a mortgage professional helping you understand the details and trade-offs.
Our team brings more than a decade of mortgage experience and has helped tens of thousands of families across their careers.
- 10+years of team mortgage experience
- 5currently licensed states
- Brokeroptions from multiple lending partners
- MichiganBloomfield Hills headquarters
Start with your goal
A clearer starting point for your next mortgage decision.
Choose the path closest to what you are working toward. Every option leads to substantive information, useful tools, and a clear next step.
Buy a home
Plan purchasing power, down payment, and financing options.
Explore buyingRefinance
Compare your current mortgage with a new rate, term, or cash-out scenario.
Explore refinancingUse home equity
Understand HELOC, home equity loan, and cash-out refinance paths.
Explore equity optionsRun the numbers
Use private, client-side tools with transparent assumptions.
Open calculators
Why work with a mortgage broker
More than one lending menu. One guided comparison.
Bloomfield Lending helps eligible borrowers consider solutions from multiple lending partners. The goal is not more noise—it is a clearer view of the options that may fit the borrower, property, and plan.
How our broker model worksClear trade-offs
Review payment, cash-to-close, costs, timeline, and long-term implications together.
Plain-language answers
Understand what lenders may review and why, without unnecessary jargon.
An organized process
Know the next step from first conversation through documentation, underwriting, and closing.
Loan options
Financing categories for different goals and properties.
Explore how common purchase, refinance, equity, and residential investment options generally work. Product availability and eligibility vary.
- purchase
Home Purchase
Financing for a primary residence, second home, or investment property.
- purchase
Conventional Loans
Mortgages that are not insured or guaranteed by a government program.
- purchase
FHA Loans
A government-insured mortgage category with program-specific standards.
- purchase
VA Loans
A mortgage category for eligible veterans, service members, and survivors.
- refinance
Rate & Term Refinance
Replace an existing mortgage with a new loan structure.
- equity
Cash-Out Refinance
Replace a mortgage with a larger loan and potentially receive proceeds.
- equity
Home Equity Line of Credit
A revolving line of credit secured by available home equity.
- equity
Home Equity Loan
A separate installment loan secured by available home equity.
- investment
DSCR Loans
Investment-property financing that may evaluate property cash flow.
- investment
Investment Property Loans
Financing considerations for non-owner-occupied residential property.
Where we serve
Licensed mortgage guidance across five states.
Headquartered in Bloomfield Hills, Michigan. Currently serving eligible borrowers in Texas, Florida, Pennsylvania, Iowa and Colorado.
Headquartered in Bloomfield Hills, Michigan. Michigan is not currently an active mortgage origination state.
Licensed service area
Currently serving eligible borrowers in five states.
Texas, Florida, Pennsylvania, Iowa and Colorado are drawn from the shared licensing registry. Program availability and borrower eligibility vary.
View licensing and state detailsMortgage tools
Test the numbers before the conversation.
Adjust every assumption privately. Calculator inputs stay in your browser and are not sent to Bloomfield Lending.
View all seven calculatorsMortgage Payment Calculator
Estimate a monthly payment from home price, down payment, rate, and term — including taxes, insurance, and HOA.
Estimate a paymentAffordability Calculator
See an educational estimate of the home price range that could fit your income, debts, and an adjustable target ratio.
Estimate affordabilityRefinance Savings Calculator
Compare your current loan against a potential new rate and term, including a break-even estimate on closing costs.
Compare a refinanceCash-Out / Home Equity Calculator
Estimate your current equity and loan-to-value, and explore borrowing capacity at an LTV assumption you choose.
Estimate equity
Mortgage market
National rate context, with the source and date visible.
Freddie Mac weekly averages help describe the broader market. They are not Bloomfield Lending offered rates or personalized quotes.
Open Rates & News30-Year Fixed
7.32%
National weekly average
15-Year Fixed
6.68%
National weekly average
Freddie Mac national weekly averages · Week of October 22, 2026
Borrower feedback
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Experience and trust
Experienced guidance for a decision that deserves attention.
Our mortgage professionals bring 10+ years of industry experience and have helped tens of thousands of families navigate home financing.
That experience belongs to our mortgage professionals across their careers. It is not a claim that Bloomfield Lending itself has operated for that length of time.
“A Trusted Broker Shop”
For us, that means thoughtful questions, transparent comparisons, responsible expectations, and a process built around the borrower’s actual goal.
About our Bloomfield Hills headquartersHow it works
A clear path from first questions to closing.
Timelines and outcomes depend on the borrower, property, selected program, and applicable underwriting requirements.
- 01
Share the goal
Tell us about the property, timing, and what you want your mortgage to accomplish.
- 02
Review the picture
Discuss income, assets, debts, credit, occupancy, and available property details.
- 03
Compare options
Review relevant structures, estimated costs, payments, and trade-offs side by side.
- 04
Move forward informed
If you apply, receive guidance through documentation, review, underwriting, and closing.
Your next step
Bring us the goal. We’ll help organize the mortgage conversation.
Tell us what you are considering and the state where the property is located. We will help you understand what may fit.