Home LoansSIMPLIFIED

We Make Purchasing or Refinancing a Breeze! 

We close loans in an impressive 25 days or less!

Mortgage Loans, Purchases, Low Downpayment, and No Downpayment Mortgages in Michigan

Welcome to the official site of Pathway Mortgage. We are a full-service mortgage company based in Novi, Michigan. We specialize in Mortgage Loans of all types in Michigan, even Low or No Downpayment Loans. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money with your current primary home, vacation home, or investment property with many new lower monthly payment options.

We pride ourselves on excellent Lending and Communication practices. Our goal is to bring value through quick-processing and closing turn times, constant communication, and ON-TIME closings, 30-days or less. Highly experienced in all lending aspects, we specialize in and have available many unique programs that many lenders are not interested in offering. If your credit is less than perfect let our experienced team help you get back on track, we find and have options for special situations that most other lenders cannot do or will not do. 

Need a "real" preapproval (not just a prequalification) immediately to put in with a real estate offer - we will get it done after hours and weekends. We actually review your documents and run an application through lender underwriting system for your approval, so you and your real estate professional can make solid offers with confidence.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | Jumbo | Conventional

Refinancing? We can do that quick and efficient, Don't wait for slow Lenders!

We offer a wide range of refinance options, designed to best meet the needs of our borrowers. Whether you are local or located somewhere else in the state of Michigan, we can close your loan quick so you can start taking advantage of the benefits of your new loan right away. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | Conventional | HARP | Jumbo

Contact Pathway Mortgage today to discuss your mortgage loan options and find out which loan program will best suit your needs.

View our Recent Blogs

Is It a Condo or a Townhouse?
Is It a Condo or a Townhouse?

Understand the key differences between condos and townhouses and how ownership structure can affect mortgage financing in 2026.

Ignite Buyer Frenzy: Price Your Home Right from Day One
Ignite Buyer Frenzy: Price Your Home Right from Day One

Learn how pricing your home right from day one captures maximum buyer momentum and avoids the stale listing trap.

Why August-to-Winter Is the Ultimate Buyer Negotiation Window
Why August-to-Winter Is the Ultimate Buyer Negotiation Window

Discover why August through winter may give prepared 2026 homebuyers more inventory, less competition and greater negotiating power on price, repairs and incentives.