Call us at 810-844-6868

trusted mortgage professionals

Buying a Home?

Get Pre-approved for a mortgage today!

Livingston Lending Mortgage Company, LLC helps homebuyers across Brighton and Livingston County find the right mortgage - whether you're purchasing your first home, refinancing for a better rate, or building from the ground up. Our in-house processing team handles your loan from application to closing, which means faster approvals, clear communication, and fewer surprises along the way.

We specialize in getting our clients fully approved before they shop, so you can make an offer with confidence. Beyond conventional and FHA loans, we also offer construction loans, bank statement loans for self-employed borrowers, USDA rural loans, second mortgages, and home equity lines of credit - so whatever your situation, we likely have a program that fits.

See What You Qualify For Schedule a Consultation
Find the Perfect Loan for Your Dream Home

Let's Bust Some Myths

What you think might be stopping you probably isn't true
Myth

"I need 20% down"

Reality
Many first-time buyer programs require just 3% down, and some require nothing at all. That $350,000 home? You might only need $10,500 down.
Myth

"My credit score isn't good enough"

Reality
FHA loans accept credit scores as low as 580, and some programs go even lower. Less-than-perfect credit doesn't automatically disqualify you.
Myth

"I can't afford it with student loans"

Reality
Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many first-time buyers with student debt get approved.

Your Path to
Homeownership

We break it down into simple, manageable steps
1

Get Pre-Qualified

Find out what you can afford and what programs you qualify for. Takes just a few minutes.

2

Learn the Process

We'll educate you on every step so you feel confident, not confused.

3

Start House Hunting

Armed with your pre-approval, you can shop with confidence and make competitive offers.

4

Close & Move In

We handle the paperwork and details. You get the keys to your new home!

Programs Made for You

First-time buyers get access to special programs and benefits

Purchase Loans

Whether you're a first-time buyer or looking to upgrade, we have the right solution for you.

Purchase Loans
FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

FHA Loans
VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

VA Loans
Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

Conventional Loans

First-Time Buyers Just Like You

Real stories from people who thought homeownership was out of reach

Ready to Take the First Step?

Let's find out what you qualify for. No pressure, no obligation—just answers about what's possible for you.

Get Pre-Qualified Now
Secure Process
Won't affect your credit score
Takes just minutes