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Michigan · Powered by Loan Factory
Jerry Kindig is licensed in Michigan. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Michigan.
Licensed in Michigan
MILoan Factory, Inc. licenses, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds these Michigan licenses. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Michigan.
Loan Factory, Inc. licenses in Michigan, from our state license list:
1st Mortgage Broker/Lender License
License#: FL0023417
Licensed by Michigan Department of Insurance and Financial Services
2nd Mortgage Broker/Lender License
License#: SL0027009
Licensed by Michigan Department of Insurance and Financial Services
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Michigan has about 10.1 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Michigan (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 12 largest Michigan cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Metro Detroit, Grand Rapids, Lansing, or a smaller community, we work with borrowers throughout Michigan and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Gerald R. Ford Presidential Library and Museum · University of Michigan · Michigan State Capitol · The Henry Ford.
A few facts worth knowing before you buy in Michigan.
Sources: Michigan Department of Treasury, 2026 income tax rate · Michigan Department of Treasury, sales and use tax · NOAA NCEI 1991-2020 climate normals (Detroit, Grand Rapids, Marquette) · 49 CFR Part 71 (time zones) · U.S. DOT time zone map · NIST, daylight saving time · 127th Wing, Selfridge Air National Guard Base.
From the Lake Michigan dunes to the Lake Superior shore, here are seven places to explore.
Sand beaches, bluffs that tower 450 feet above Lake Michigan, clear inland lakes, and an island lighthouse.
Sandstone cliffs, beaches, waterfalls, and sand dunes shaped by Lake Superior.
A rugged, isolated island in Lake Superior for backpackers, hikers, boaters, paddlers, and divers.
The stories of people and copper on the Keweenaw Peninsula, intertwined for more than 7,000 years.
Preserves and interprets the January 1813 battles of the War of 1812 and their aftermath.
Home of Fort Mackinac and Historic Downtown Mackinac, within Mackinac Island State Park.
Home of the Henry Ford Museum of American Innovation, in Dearborn.
Sources: NPS Sleeping Bear Dunes · NPS Pictured Rocks · NPS Isle Royale · NPS Keweenaw · NPS River Raisin · Mackinac State Historic Parks · The Henry Ford · Pure Michigan.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in Michigan, and Loan Factory, Inc. (NMLS #320841) holds two Michigan licenses from the Michigan Department of Insurance and Financial Services: 1st Mortgage Broker/Lender License FL0023417 and 2nd Mortgage Broker/Lender License SL0027009. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Michigan and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. Michigan's individual income tax rate is 4.25% for the 2026 tax year, according to the Michigan Department of Treasury.
Michigan's sales tax rate is 6%, according to the Michigan Department of Treasury.
Most of Michigan is on Eastern Time. Four counties on the Wisconsin border, Gogebic, Iron, Dickinson, and Menominee, are on Central Time. Both observe daylight saving time.
Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.
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