Mortgage Broker in Northville MI — City and Township

Mortgage Broker in Northville, MI — City and Township

First Commerce Financial has been closing loans in Northville for nearly 30 years. We have walked the downtown, eaten at the restaurants, and helped hundreds of families buy and refinance homes in one of Metro Detroit's most desirable communities. Wholesale rates, zero junk fees, same-day pre-approvals. NMLS #137512.

Get Pre-Approved Today — It Is Free

Northville is not just a market we serve — it is a community we know. Kirk Chivas and Ken Turkington have been doing business in and around Northville since 1997. Over nearly three decades we have helped hundreds of Northville families finance their homes — from first-time buyers finding their start in Northville Township to move-up buyers upgrading to the city's most sought-after neighborhoods near downtown.

If you are buying or refinancing in Northville — city or township — you are talking to people who know this market, love this community, and will get you the best rate available without charging you a dollar in junk fees.

28 Years

First Commerce Financial has been closing loans in the Northville market

Top 5

Northville consistently ranks among Metro Detroit's most desirable suburbs

#1 Rated

Northville Public Schools — among the highest-rated districts in Michigan

Junk fees charged by First Commerce Financial — ever

Why Families Choose Northville

Northville has earned its reputation as one of the premier places to raise a family in Metro Detroit — and it has held that position for decades. It is not one single thing that makes Northville special. It is the combination of everything working together at a level that very few communities in Michigan can match.

🎓 Award-Winning Schools

Northville Public Schools consistently earns top ratings in the state of Michigan. Strong academic programs, competitive athletics, and a community that invests deeply in education make Northville one of the most sought-after school districts in Metro Detroit. For families with children — or planning for children — the school district is often the deciding factor.

🏭 Charming Downtown

Downtown Northville is one of the most authentic and beloved Main Street downtowns in all of Michigan. Independent restaurants, boutique shops, seasonal events, and a genuine sense of community make it a destination not just for residents but for the entire region. Kirk, Ken, and their families have spent years enjoying everything downtown Northville has to offer.

🚗 Exceptional Location

Northville sits at the intersection of Wayne and Oakland Counties — giving residents easy access to the best of both. Close to I-275, M-14, and I-96, commutes to downtown Detroit, Ann Arbor, and the western suburbs are manageable. Detroit Metropolitan Airport is approximately 20 minutes away — ideal for frequent travelers and business professionals.

🌳 Quality of Life

Parks, trails, historic neighborhoods, farmers markets, and a strong sense of community identity make Northville a place where people stay for decades. The combination of small-town feel with big-city access is rare — and it is exactly what makes Northville's real estate values hold up so consistently over time.

🏠 Strong Real Estate Values

Northville home values have demonstrated consistent appreciation over time. The combination of strong schools, excellent location, and limited inventory keeps demand elevated. Buyers who purchase in Northville tend to stay — which means when homes do come to market, competition is often strong and move-in quickly.

💼 Corporate Proximity

Major employers including Ford Motor Company, General Motors, and dozens of automotive and technology suppliers are easily accessible from Northville. The community attracts executives, engineers, and professionals who want a premium address within reasonable commuting distance of Michigan's largest employment centers.

Northville City vs. Northville Township — What Buyers Need to Know

One of the most common questions we get from buyers new to the area is the difference between the City of Northville and Northville Township. Both share the Northville Public School district — which is the great equalizer — but there are meaningful differences buyers should understand.

City of Northville

The City of Northville is a small, walkable community centered around the historic downtown. Homes here tend to be older and often have more character and architectural variety than newer developments. Proximity to downtown — and the ability to walk to restaurants, shops, and events — commands a premium. The city has its own police and fire departments and a strong sense of historic identity.

Northville Township

Northville Township surrounds the city and encompasses a much larger geographic area with a wide range of housing styles and price points. From entry-level condos and townhomes to luxury single-family homes in established subdivisions, the township offers more inventory and generally more square footage per dollar than the city. Many of Metro Detroit's most desirable subdivisions — with larger lots, newer construction, and master-planned amenities — are located in Northville Township.

Nearly 30 Years of Northville Loans — What We Know

When you close hundreds of loans in a community over nearly three decades, you develop a genuine understanding of how the market works — which neighborhoods hold value, where buyers tend to stay vs. move on, how different price points have performed over time, and what the local real estate landscape looks like at any given moment.

That is the kind of knowledge you get when you work with First Commerce Financial on a Northville purchase. We are not reading about this market in a database. We have been here, we know it, and we want to help you make the best possible decision for your family.

Loan Programs for Northville Buyers

Conventional Loans

The most common loan program for Northville buyers. Available with as little as 3-5% down for first-time buyers and with 20% down to eliminate PMI entirely. We access competitive conventional pricing from dozens of wholesale lenders — typically better than what retail banks offer.

FHA Loans

For buyers with lower down payments or credit scores that make conventional financing more challenging. FHA allows 3.5% down with a 580+ credit score. A strong option for first-time buyers entering the Northville market at entry-level price points in the township.

Jumbo Loans

For Northville's luxury homes — particularly larger single-family homes in premium subdivisions and historic properties in the city — loan amounts can exceed conventional limits. We access competitive jumbo pricing from multiple wholesale lenders.

VA Loans

Eligible veterans and active-duty military can purchase in Northville with zero down payment and no PMI. The VA loan benefit is a lifetime benefit — and one of the most powerful financing tools available for those who have earned it.

Refinance

Whether you are looking to lower your rate, shorten your term, or access equity for home improvements or other goals — we offer rate and term refinances, cash-out refinances, and streamlined refinance options for FHA and VA borrowers.

Move-Up Buyer Programs

Many Northville buyers are moving up from South Lyon, Canton, Plymouth, or other nearby communities. We help coordinate the timing of your sale and purchase so you are not caught between two mortgages — and we get you pre-approved so you can move fast when the right home comes up.

Northville's Neighboring Communities — We Serve Them All

Northville sits at the center of one of Metro Detroit's most desirable corridors. Many buyers consider multiple communities when searching in this area — and we have deep experience across all of them.

South Lyon, MI

Directly north — Lyon Township and New Hudson

Novi, MI

Adjacent east — our home market

Commerce Township, MI

Northwest — lake communities and subdivisions

Brighton, MI

West — Livingston County and USDA eligible areas

Royal Oak, MI

Southeast — vibrant downtown community

All of Michigan

Licensed statewide — serving every Michigan market

Free Tools for Northville Buyers

🏠Purchase Power Calculator — How Much Home Can You Afford? 🧮Mortgage Calculator — Estimate Your Full Monthly Payment 💰Closing Cost Estimator — Michigan-Specific Fee Breakdown 📊Free Housing Market Report — Search Any Northville Zip Code ✅How to Get Pre-Approved — Step by Step Guide 🔧All Free Tools and Calculators

What is the difference between buying in the City of Northville vs. Northville Township?

Both share the Northville Public School district — the biggest draw for families. The city tends to have older, more character-rich homes at a premium due to downtown walkability. The township offers newer construction, more square footage per dollar, and a wider range of price points. Tax rates also differ between the two — we recommend checking current millage rates with your real estate agent for the specific property you are considering.

How competitive is the Northville real estate market?

Northville is consistently one of the most competitive markets in Metro Detroit. Well-priced homes in desirable neighborhoods move quickly — often with multiple offers. Being pre-approved before you start touring is not optional in this market — it is essential. We issue same-day pre-approvals and can provide property-specific letters showing the exact purchase price of any home you are making an offer on, which is cleaner and more compelling to sellers than a letter showing your maximum approval amount.

Do you serve buyers relocating to Northville from out of state?

Absolutely. We work with relocation buyers regularly — particularly those coming from other states where First Commerce Financial is also licensed, including Florida, Arizona, and Texas. We can pre-approve you remotely, communicate by phone, email, or text, and coordinate with your Northville-area real estate agent to make the process seamless from wherever you are starting.

How long have you been doing loans in Northville?

Kirk Chivas and Ken Turkington have been originating mortgages in the Northville market since 1997 — nearly 30 years. Over that time we have helped hundreds of Northville families purchase and refinance their homes across every price point and loan program. We know this community, we love this community, and we are proud to serve it.

Mortgage Broker in Northville, MI — City and Township