Auburn Hills Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Auburn Hills, Oakland County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Auburn Hills, Oakland County & all 83 Michigan counties
In This Guide
- Today’s Rates in Auburn Hills
- Michigan Mortgage Advisor
- Meet Your Auburn Hills Mortgage Broker
- About Auburn Hills, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Auburn Hills
- Buying in Auburn Hills
- Selling in Auburn Hills
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Auburn Hills FAQ
- Available Hours
Mortgage Rates in Auburn Hills
Competitive pricing personalized to your scenario. Rates shown reflect 740+ credit, 30-year fixed terms unless noted.
Purchase Loans
Conventional Purchase
15-Year Conventional
FHA 30-Year Purchase
VA 30-Year Purchase
USDA Purchase & Refinance
USDA 30-Year Purchase
FHA Streamline Refi
Conventional Refinance
Jumbo & High-Balance
Jumbo / High-Balance
Get Your Auburn Hills Rate in Writing
The rates above are today’s pricing at a 740 score. Your broker will quote your actual scenario — your credit, your down payment, your address — usually the same business day.
Not Sure Which Loan You Qualify For?
See the rates. Not sure which loan fits your situation? The Michigan Mortgage Advisor answers that in 60 seconds — analyzing your credit, down payment, and goals to recommend the best loan program and show you your real monthly payment on Auburn Hills Michigan real estate.
- Instant loan-type recommendation — FHA, VA, USDA, or Conventional
- Live rate and APR for your exact scenario
- Michigan-specific closing cost estimate
- No credit check required to start
Best loan for you: FHA
3.5% down
~$1,830/mo principal + interest
Your actual recommendation is calculated live based on your inputs.
Meet Your mortgage expert
When Oakland County buyers want expert lending guidance and a responsive professional who truly understands Michigan’s residential market, they turn to Edward Kalavitz with over 25 years of mortgage and real estate expertise. Auburn Hills, Michigan is a Oakland County community where average home prices of about $424,125 sit 19.7% above the Michigan statewide average — creating a compelling opportunity for buyers across a wide range of financial profiles.
As both a licensed mortgage broker and Michigan realtor, your local loan expert delivers a seamless dual-service advantage — one professional handles both your financing strategy and your real estate guidance from pre-approval through closing day.
Conventional financing is the featured primary program at Auburn Hills’s average of about $424,125 — down payments starting at 3-5% (about $12,724–$21,206) and the most flexible long-term structure for buyers with solid credit. FHA provides the credit-accessible alternative with just 3.5% down (about $14,844) for buyers earlier in their financial journey.
USDA rural development zero-down financing may also be available for some Auburn Hills-area addresses verifies USDA eligibility for any address at no cost during the initial consultation.
With 16 homes sold in six months and a 41-day average market time, Auburn Hills gives buyers meaningful time to evaluate properties carefully. Edward typically has pre-approval letters ready within 24 hours.
Your loan officer is available seven days a week including every holiday — weekdays 8 AM–8 PM and weekends 9 AM–8 PM. Call (616) 633-3692 anytime.
Edward Kalavitz holds both a mortgage broker license (NMLS #138424) and Michigan realtor license (#6501386956). As your local mortgage expert, Edward delivers Conventional + FHA lending expertise alongside dual financing and real estate guidance. 25+ years of Oakland County market knowledge and 7-day availability including all holidays.
Auburn Hills Michigan Mortgage Broker — First-Time Homebuyer Guide
With conventional financing starting at 3% down and FHA requiring about $14,844 at Auburn Hills’s average of about $424,125 — 19.7% above the Michigan statewide average — Auburn Hills offers strong value for first-time buyers. Edward Kalavitz has guided hundreds of first-time buyers over 25+ years.
Your broker evaluates conventional and FHA side by side to identify the program delivering the best combination of upfront cost, monthly payment, and long-term structure. Michigan down payment assistance programs may further reduce upfront costs. Call Edward at (616) 633-3692 — pre-approval letters are typically ready within 24 hours.
Financing note: Your mortgage expert lends across every one of these neighbourhoods, and as your local mortgage expert, Edward can pre-approve you before you start touring.
About Auburn Hills, Michigan
Auburn Hills is a city of roughly 24,360 in Oakland County, a northern suburb of Detroit sitting about 26 miles north of downtown along the Interstate 75 corridor. The community combines a working corporate identity with a university-town layer: Oakland University and the U.S. headquarters of Stellantis (formerly Chrysler) and BorgWarner all sit inside or alongside its 16.64 square miles. Median age skews young at 31.7 years, and the housing mix reflects that blend of executive, university-adjacent, and family-oriented blocks. Your local loan expert can tell you whether this moves your number much.
The area began in 1821 as Pontiac Township, with the original village of Auburn platted at the corner of Auburn and Squirrel roads along the Clinton River. Aaron Webster, the first settler, named the village for Auburn, New York; his sawmill and grist mill drew the earliest residents. Streets were laid out in 1826, and the village rivaled nearby Pontiac until the 1860s. It was renamed Amy in 1880 and then Auburn Heights in 1919. This is worth checking with Edward before you commit to a payment.
In 1908 automobile pioneer John Dodge bought a farmhouse roughly three miles northeast of Auburn Heights, eventually assembling 1,400 acres with his wife Matilda Dodge Wilson. After Dodge’s death in 1920, Matilda married Alfred Gaston Wilson and built Meadow Brook Hall, an estate that ultimately seeded Oakland University when she donated land to Michigan State University in 1957. Pontiac Township merged with the village of Auburn Heights to incorporate as a city in 1983. Your loan officer can explain how underwriting treats this.
The local economy is anchored by three institutions visible from the freeway: Stellantis North America’s U.S. headquarters (the former Chrysler campus), BorgWarner’s U.S. headquarters, and Oakland University. Together they create a daytime workforce that draws executives, engineers, faculty, and students into the city’s office parks and campus blocks.
Great Lakes Crossing Outlets adds a regional retail layer that pulls shoppers from across southeast Michigan, while the M-59 and I-75 interchange supports a corridor of corporate offices, hotels, and supplier facilities. Avondale School District and a portion served by Pontiac School District handle the family-housing demand. Healthcare, retail, and small-business activity round out the employment base — most of it tied directly to the corporate, university, and freeway corridors that define the city. Ask Edward Kalavitz what documentation this will require.
Neighborhood Guide · Auburn Hills, MI
Auburn Hills Neighborhoods
The local neighborhoods span 16.64 square miles in Oakland County, with the housing mix shaped by three anchors: Oakland University on the northeast side, the Stellantis and BorgWarner corporate corridor along Featherstone, and the I-75 / M-59 interchange that ties the city to greater Detroit. Below are six areas buyers most often ask about.
Oakland University Adjacent
Residential blocks within easy reach of Oakland University, whose campus sits partially within the city limits on land originally donated by Matilda Dodge Wilson in 1957. The housing mix here leans toward mid-century ranches, updated split-levels, and newer infill homes that draw faculty, staff, and graduate-student households. Lots tend to be generous, and many blocks border wooded parcels near the historic Meadow Brook estate area. Your broker can tell you if this affects your timeline at all.
Walkability: Quieter residential streets with sidewalks in most subdivisions; campus pathways reachable on foot from the closest blocks. As your local mortgage expert, Edward keeps the lending and the buying on one schedule.
Buyer fit: Common among Oakland University faculty and staff, graduate students with families, and buyers who want a quieter, campus-adjacent setting with easy I-75 access. Your mortgage expert can confirm the current figure rather than an estimate.
Stellantis HQ / Featherstone Corridor
Residential pockets that flank the Featherstone Road corporate corridor, where Stellantis North America operates its U.S. headquarters on the former Chrysler campus. Inventory leans toward executive and engineering households, with larger single-family homes, newer construction, and two-story plans built for hybrid-work commuters. Lots are typically a quarter-acre or larger, and many subdivisions back up to wooded buffers. Bring your questions on this to your local loan expert early in the process.
Walkability: Drive-oriented; sidewalks within subdivisions, but office parks along Featherstone are short freeway hops. Edward can show you the difference in real dollars.
Buyer fit: Common among Stellantis and BorgWarner executives, automotive engineers, and supplier-side professionals who want a five-to-ten-minute commute to headquarters. Ask your loan officer which loan programs treat this most favourably.
Great Lakes Crossing Area
Residential blocks tucked behind Great Lakes Crossing Outlets near the Baldwin Road and I-75 interchange. Neighborhoods here trade campus quiet for retail and freeway access, drawing buyers who value being five minutes from the mall, restaurants, and the hotels and entertainment venues that grew up around the outlet center. Inventory is a mix of late-1990s and 2000s subdivisions, townhomes, and mid-priced single-family homes. Edward Kalavitz can tell you what a seller is likely to accept here.
Walkability: Drive-oriented; built around freeway access, with sidewalks limited to subdivision interiors. As your local mortgage expert, Edward can answer this without a referral.
Buyer fit: Common among buyers who prioritize retail and freeway access, first-time buyers seeking newer construction, and dual-commuter households splitting drives between Pontiac, Troy, and Detroit. Your broker can check this against today’s guidelines.
Avondale School District Area
Residential blocks feeding into Avondale School District, which operates Avondale High School and serves most of the city. Housing stock skews toward family-oriented subdivisions with three- and four-bedroom plans, attached garages, and backyard-sized lots. Many of these blocks were built out from the 1980s through the early 2000s as the corporate corridor grew, and they continue to draw families relocating in for Stellantis, BorgWarner, and Oakland University positions. This is a question for your mortgage expert before you start looking.
Walkability: Sidewalks throughout most subdivisions; school bus service handles the daily routine. Your local loan expert can tell you how much room this leaves you.
Buyer fit: Common among families specifically targeting Avondale enrollment, relocating corporate households, and buyers who want a turnkey suburban subdivision. Ask Edward to sanity-check the numbers you have been quoted.
M-59 / I-75 Corridor
Residential blocks positioned near the M-59 and I-75 interchange, the freeway crossroads that ties the city to Pontiac, Troy, Rochester Hills, and downtown Detroit (about a 31-minute drive). Inventory leans toward newer subdivisions built to capture commuter demand, with two-story colonials, ranches, and a sprinkling of attached-product developments. Buyers here tend to optimize for drive time first and walkability second. Your loan officer can confirm what a lender will need to see.
Walkability: Drive-oriented; freeway-adjacent location maximizes commute speed rather than pedestrian access. As your local mortgage expert, Edward reviews this with every buyer.
Buyer fit: Common among commuters splitting time between Detroit-metro destinations, dual-income households driving in opposite directions, and out-of-state relocations. Edward Kalavitz can tell you whether waiting changes anything.
Greater Auburn Hills Residential
The broader stock of single-family residential blocks across the city’s 16.60 square miles of land area, outside the three named anchor corridors. These neighborhoods carry the everyday housing inventory — established subdivisions from the 1970s through 2000s, occasional newer infill, and three- and four-bedroom homes on quarter-acre lots. Many of these blocks were part of the original Pontiac Township footprint before the 1983 city incorporation. Worth asking your broker how this fits your down payment plan.
Walkability: Quiet residential streets with sidewalks; local parks and the Auburn Hills Civic Center are short drives away. Your mortgage expert can put a real figure to this rather than a range.
Buyer fit: Common among long-tenured residents, families who value established neighborhoods over new construction, and buyers prioritizing price-per-square-foot value. Ask your local loan expert what this looks like on a monthly basis.
Financing note: Value varies block by block here, and Edward prices the specific address rather than the postcode. Ask your loan officer which pockets appraise most consistently.
Property Types in Auburn Hills
Single-Family Homes
The core inventory is single-family housing, generally $300K–$560K across the broader residential blocks and reaching $700K+ in executive corridors near Stellantis and Oakland University. Stock spans 1970s subdivisions through 2000s builds and newer infill, with most homes on quarter-acre lots and attached two-car garages. Three- and four-bedroom layouts dominate. Edward Kalavitz can tell you if this is worth structuring differently.
Condos & Townhouses
Condo and townhouse product concentrates near Oakland University and along the freeway corridors, drawing graduate-student households, downsizing buyers, and corporate professionals who want a lock-and-leave footprint. Many attached-product developments date from the 1990s and 2000s and trade on amenities plus low-maintenance exteriors. Inventory turns regularly. As your local mortgage expert, Edward will tell you plainly if it does not work.
New Construction
New construction is driven by executive-housing demand from Stellantis and BorgWarner, plus relocation traffic that wants turnkey product. Newer subdivisions cluster near the Featherstone corridor and along the I-75 / M-59 interchange, with builder plans favoring two-story colonials, open-concept first floors, and three-car garages. Lot sizes have trended smaller as land has tightened. Your broker can identify this before it becomes a condition.
Investment Properties
The local rental market is anchored by Oakland University student and graduate-student demand on one side and Stellantis / BorgWarner employee demand on the other. That dual-tenant pool gives investors steadier occupancy than single-anchor markets. Condos and smaller single-family homes are the most common rental product, with proximity to campus or corridor driving rents. Ask your mortgage expert to review this alongside your credit profile.
Waterfront Homes
Waterfront and lake-adjacent parcels are limited but present, with Galloway Lake and a handful of smaller inland lakes inside the city’s 16.64 square miles (0.04 of which is water per the Census Bureau). Inventory turns slowly given the small supply, and pricing premiums over comparable non-waterfront homes are common. Buyers targeting water access need patience and a watch list. Your local loan expert can tell you how sellers here typically handle it.
Luxury Homes
Higher-end inventory concentrates in executive-housing pockets near the Stellantis campus and in Oakland University-adjacent blocks with larger lots and custom builds. Many of these homes were built or extensively upgraded in the 2000s and 2010s as the corporate workforce expanded. Buyers comparing against Bloomfield Hills or Birmingham often find better square-footage value here. This is where having a Auburn Hills Michigan mortgage broker who knows the area helps.
Financing note: Programme fit depends on build type and condition. Edward matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Auburn Hills Schools & Education
Public schooling here is handled primarily by Avondale School District, with a portion of the city served by Pontiac School District. Oakland University adds a higher-education layer that influences both the rental market and the workforce. Specific district assignment varies by address — verify the boundary before writing an offer.
Avondale School District
The primary public district serving most of the community, operating Avondale High School along with elementary and middle-school feeder buildings. The district draws students from across the corporate and family-oriented subdivisions that grew up alongside Stellantis, BorgWarner, and Oakland University, and it’s one of the most frequent priorities buyers flag when relocating for a corporate role. Boundary lines cross municipal edges, so a home with the city mailing address does not automatically guarantee Avondale enrollment — confirm by address with Edward before committing to a contract. Your loan officer can confirm eligibility before you get attached to a house.
Pontiac School District
Pontiac School District serves portions of the city, primarily on the western and southern edges adjacent to the city of Pontiac. The district has its own elementary, middle, and high school structure separate from Avondale, and assignment is property-specific rather than tied to the municipal boundary. Buyers targeting Avondale should not assume coverage based on the Auburn Hills mailing address alone; some pockets within the city limits feed into Pontiac instead. Edward verifies actual district assignment as part of every buyer consultation. Ask Edward Kalavitz whether a different programme suits you better.
Oakland University
Oakland University is a public research university whose campus sits partially within the city limits, on land originally donated by Matilda Dodge Wilson to Michigan State University in 1957 — the donation that led directly to the university’s creation. The campus adds a major higher-education layer to the local economy, generating faculty and staff housing demand, a graduate-student rental market, and steady employment in research, healthcare, and administration. For homebuyers, the university anchors the northeast quadrant and shapes the Oakland University Adjacent inventory. Your broker can talk this through in plain language.
School district boundaries cross municipal lines and assignments shift periodically. Confirm exact district assignment for any specific property with Edward — he verifies district and enrollment options as part of the buyer consultation.
Financing note: District lines move value street by street, and your mortgage expert prices from the appraised address rather than the mailing town. Ask your local loan expert to confirm the district before you write the offer.
Cost of Living & Property Taxes in Auburn Hills
One of the biggest advantages of Auburn Hills Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Auburn Hills.
18 mills
Removed by PRE
$72,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Auburn Hills property taxes are calculated on a home’s taxable value — roughly 50% of market value in Michigan — multiplied by the local total millage rate (city or township + county + school + intermediate school district). Your exact tax depends on the specific property and jurisdiction within the Auburn Hills area; Edward provides a precise estimate for any home you’re considering.
If the home is your primary residence, file the Michigan Principal Residence Exemption (PRE) — it removes 18 mills (the local school operating millage) from your tax bill. On an average-priced Auburn Hills home, the PRE saves roughly $1,500 per year, typically 30–40% of total property taxes. The PRE is filed once at closing and stays in effect as long as you live in the home.
Cost Comparison
Michigan offers among the lowest costs of living in the Great Lakes region. Housing, property taxes, and — since the 2020 no-fault auto insurance reform — vehicle insurance all run below national averages, and Michigan has no local income tax in most jurisdictions. For buyers relocating from higher-cost metros, that combination means a given budget reaches noticeably further in Auburn Hills than in comparable out-of-state markets.
Within Auburn Hills, the real cost variable is neighborhood and property type rather than the city overall. Edward walks buyers through total monthly cost — mortgage, taxes, insurance, and utilities — for any specific Auburn Hills home so the comparison is grounded in real numbers, not averages.
Financing note: Taxes and insurance are escrowed into the monthly payment and counted in your ratios, so Edward builds them in from the start rather than surprising you at closing.
Auburn Hills Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Auburn Hills Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Auburn Hills home values continue to appreciate, outpacing the national average.
Low inventory
Current supply is well below a balanced market (typically 4–6 months), meaning demand significantly exceeds available homes.
Fast-moving market
Well-priced homes in desirable neighborhoods sell in under 2 weeks. Buyers need pre-approval ready.
Spring/summer peak
Historically, Auburn Hills sees the strongest buyer activity from April through August.
New construction increasing
Developers are adding inventory in suburban areas, but supply still lags demand.
Financing note: Trends move faster than published averages, which is why your loan officer reprices weekly. Edward Kalavitz can tell you what is actually closing in Auburn Hills right now.
Auburn Hills Michigan Mortgage Broker Loan Programs
Your broker offers the full range of Michigan mortgage programs for Oakland County buyers. Edward compares all programs across multiple wholesale lenders to find your best fit.
🏠 Conventional Loans Featured
№ 01- As low as 3-5% down — about $12,724–$21,206 at Auburn Hills’s average
- PMI drops automatically at 20% equity
- Best long-term structure for buyers with 620+ credit
- Wholesale rates from dozens of lenders compared simultaneously
🏡 FHA Loans Featured
№ 02- 3.5% down — approximately $14,844 at Auburn Hills’s average of about $424,125
- Credit scores as low as 580 accepted
- Seller can contribute up to 6% toward closing costs
- Flexible income and debt-to-income guidelines
🌾 USDA Loans Option
№ 03- Zero down payment for qualifying Auburn Hills-area rural addresses
- Below-market interest rates for income-eligible buyers
- Your mortgage expert verifies eligibility at no cost
- Income limits apply — Edward reviews Oakland County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Auburn Hills properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium Oakland County properties
🎖️ VA Loans — Zero Down for Auburn Hills Veterans
№ 05- 0% down payment — no PMI ever required
- Available to veterans, active duty, and eligible surviving spouses
- Competitive rates that routinely outperform conventional options
- Edward is experienced with VA loan processing statewide
🔄 Refinance Options
№ 06- Rate-and-term refinance to reduce your monthly payment
- Cash-out refinance to access accumulated home equity
- Conventional, FHA Streamline, and VA IRRRL options available
- Edward calculates your break-even before recommending any refinance
📄 Bank Statement Loans
№ 07- 12-24 months of bank statements in place of tax returns
- Ideal for self-employed Auburn Hills residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for Oakland County investment property purchases
- No employment verification or tax returns required
🔧 Renovation Loans
№ 09- Finance purchase plus renovation costs in one loan
- FHA 203(k) and conventional renovation options available
- Ideal for older Auburn Hills-area residential properties
🏦 MSHDA Down Payment Assistance
№ 10- Up to $10,000 in down payment help from the Michigan State Housing Development Authority
- Income limits apply and vary by household size and county
- Can be combined with FHA or Conventional financing on an eligible purchase
- Edward checks your eligibility at the consultation — before you shop, not after
🔄 FHA Streamline Refinance
№ 11- For homeowners who already hold an FHA loan — refinance without a new appraisal in most cases
- No income documentation and no new credit underwriting on the standard non-credit-qualifying path
- Requires a net tangible benefit — the refinance has to measurably improve your position
- Edward reviews whether your current FHA loan qualifies at no cost
Auburn Hills Michigan Mortgage Broker — Your 5-Step Process
Your local loan expert has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call Edward at (616) 633-3692 or apply online. Edward compares all programs simultaneously and identifies the best fit. Pre-approval letters are typically ready within 24 hours.
Step 2: House Hunting in Auburn Hills
Pre-approval in hand, you evaluate Auburn Hills properties with confidence. Your loan officer can also serve as your licensed realtor — running live payment scenarios as you compare properties across Oakland County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, Edward Kalavitz completes the formal loan application and locks your rate — comparing pricing across all wholesale lenders for your best available terms.
Step 4: Processing & Underwriting
Edward manages the complete pipeline — appraisal, title, underwriting submission, and clearance — keeping your Auburn Hills transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Auburn Hills
On closing day, your broker ensures every document is accurate and all fees are verified. You sign final documents and officially become a Auburn Hills homeowner.
Edward’s Selling Advantage
Selling Your Home in Auburn Hills
Selling a home in Auburn Hills in 2026 rewards preparation. Accurate pricing from day one, professional presentation, and strategic timing are what separate listings that attract strong offers from those that linger on the market. Edward’s dual-license perspective — licensed Realtor and Mortgage Loan Originator — means he prices with both sides of the transaction in view, and can pre-qualify incoming buyers to keep your closing on track. Edward Kalavitz can verify this rather than leaving you to guess.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Auburn Hills comps in your specific neighborhood, professional pricing strategy informed by 25+ years of Michigan real estate experience, MLS listing on the Edward’s statewide MLS network (Water Wonderland Association, Realcomp II Limited, Northern Great Lakes MLS, MiRealSource, MichRIC, and Greater Regional Alliance of REALTORS (GRAR)), professional photography and digital marketing, open house scheduling, offer negotiation, and full coordination through inspection, appraisal, and closing. As your local mortgage expert, Edward can coordinate this with the purchase side.
Most Auburn Hills sellers find that listing in April through August captures the strongest buyer activity — but well-priced homes sell year-round in this market.
Edward’s dual license as both a Michigan Realtor (#6501386956) and Mortgage Loan Originator (NMLS #138424) gives sellers a meaningful advantage that single-licensed agents simply can’t match.
When offers come in, Edward immediately vets each buyer’s financing strength with a lender’s eye — flagging weak pre-approvals before you accept an offer that might fall through, identifying buyers whose lock periods are about to expire, and reducing the risk of a deal collapsing in underwriting two weeks before close. In a fast market like Auburn Hills, fewer fall-throughs means faster, more certain closings.
Before you list, run the numbers. Edward’s Seller Net Sheet Calculator shows your estimated proceeds after agent commissions, title fees, transfer taxes, and remaining mortgage payoff — so you know exactly what you’ll walk away with before you sign a listing agreement. For a free home valuation and listing strategy consultation, call Edward at (616) 633-3692.
Financing note: Most Auburn Hills sellers are buying again, and your broker can time the sale against the purchase. As your local mortgage expert, Edward runs both sides together so you see one number. You are never required to use your mortgage expert for the sale as well.
Why Choose This Auburn Hills Michigan Mortgage Broker
Your local loan expert brings over a quarter century of lending and real estate expertise to every Oakland County transaction.
Edward compares Conventional + FHA across dozens of wholesale lenders simultaneously — ensuring every Auburn Hills buyer gets the best available rate and program structure.
Edward Kalavitz
Edward’s Local Take on Auburn Hills
This is one of Oakland County’s corporate-and-university cities, and that shapes how buyers should think about it. Stellantis, BorgWarner, Oakland University, and Great Lakes Crossing Outlets each pull a different buyer profile in, and the right neighborhood depends on which of those anchors matters most to you. Twenty-five years working across this market, here’s how I help buyers sort it out by priority.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Auburn Hills Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Auburn Hills Michigan real estate market but open to nearby communities? These cities are all within a short drive and offer different price points and neighborhood character — explore each one’s listings below.
What Clients Say About Working with Edward
These are verified Google reviews from Edward’s Google Business Profile. Edward is dual-licensed — Mortgage Loan Originator (NMLS #138424) and Michigan Realtor — so reviewers include both financing and real estate clients.
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
“Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a relator and lender, which was great to have “2 in1”. We were able to look at houses and run number the same day. He was very flexible with times we needed to set up showings, as well as very informative and organized with paperwork! I appreciate his expertise greatly!” Your local loan expert can show you where this sits in your budget.
“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
“Above and Beyond”
“Edward is a great relator and loan officer. He helped my fiance and I buy our first home. We called him back when we were ready to sell and buy our forever home. He again went above and beyond to make the process swift and easy. I recommend him to my friends and family who are looking into buying, selling or refinacing their home!”
“Closing Came Sooner Than Anticipated”
“Edward was up front, professional and most helpful in first determining if I was a good candidate for a mortgage re-Fi. My case was Probably not the easiest, however, he made my “homework” manageable. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.”
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. My son passed away in 2018 and I had to sell his home. Edward alleviated some stress by being patient, organized and communicated thoroughly the entire process. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
Auburn Hills Commute & Transportation
Commuting here is built around the I-75 and M-59 freeway crossroads, which together connect the city to Pontiac, Troy, Rochester Hills, and downtown Detroit. Drive-time advantages are the practical reason many corporate-relocation buyers land in this community rather than further out.
Interstate 75
I-75 is the primary north-south freeway through Oakland County and runs straight through the community. It carries commuters south to Troy, Royal Oak, and downtown Detroit (about 31 minutes from the city), and north toward Clarkston, Flint, and ultimately the Mackinac Bridge. For corporate executives moving in for Stellantis or BorgWarner roles, I-75 is the everyday spine of the daily commute and the airport drive.
M-59
M-59 (Highland Road / Hall Road) runs east-west across Oakland County and provides the lateral connectivity that I-75 lacks. Eastbound it links to Utica, Sterling Heights, and Macomb County’s growing employment base; westbound it ties into Pontiac and the Highland-area communities. The M-59 / I-75 interchange is one of the busiest in Oakland County, and proximity to it is a recurring priority for relocation buyers.
Detroit Metro Access
Downtown Detroit is about 31 miles south at roughly 31 minutes via I-75 in normal conditions, and Detroit Metropolitan Airport (DTW) is reachable in under an hour outside of rush hour. Ann Arbor, home to the University of Michigan, is about 64 minutes southwest. The combination of corporate access, airport access, and academic-medical access in one drive radius is part of why this community holds steady executive demand even when housing prices in nearby Birmingham and Bloomfield Hills run noticeably higher. Bring this up with Edward before you write an offer.
Regional Air Access
Oakland County International Airport in Waterford handles general aviation traffic and corporate-jet activity, which matters for Stellantis, BorgWarner, and supplier-side executives who need quick out-of-state trips. For commercial travel, Detroit Metropolitan Airport (DTW) is the primary hub roughly an hour south, offering nonstop service to most major U.S. and many international destinations. The two airports together cover both daily corporate travel and family vacation logistics without long airport drives.
Financing note: Freeway access is a recognised location factor in the appraisal, and your loan officer sees it in the comparables. Edward Kalavitz will also fold the true cost of a longer commute into what you can carry.
Where Auburn Hills Sits on the Map
Approximate drive times to other markets buyers commonly compare to Auburn Hills. Times reflect typical non-rush conditions; commute hours add 15–30%.
Auburn Hills Lifestyle, Entertainment & Recreation
Day-to-day life here blends corporate-campus energy with university-town texture and big-box retail convenience. Stellantis and BorgWarner anchor the workweek, Oakland University adds a steady cultural and athletic layer, and Great Lakes Crossing Outlets handles the weekend shopping and entertainment demand that would otherwise pull residents farther south.
Corporate Campus Identity
The Stellantis North America U.S. headquarters and the BorgWarner U.S. headquarters both sit within the community, giving it a corporate identity that’s visible from the freeway and felt in the everyday rhythm of the city. The two campuses generate a daytime workforce, support a network of supplier offices and hotels along the Featherstone corridor, and shape the executive-housing inventory throughout the corporate-adjacent neighborhoods.
Oakland University
Oakland University’s partial-in-city campus contributes a university-town layer that few other Oakland County suburbs match. The campus brings academic events, athletic competitions, performing-arts programming at venues like Meadow Brook (in adjacent Rochester Hills), and a steady graduate-student presence in the rental market. For families, the university adds an in-state higher-education option close enough for commuter undergraduates.
Great Lakes Crossing Outlets
Great Lakes Crossing Outlets is a regional retail and entertainment destination near the Baldwin Road and I-75 interchange. The mall draws shoppers from across southeast Michigan and beyond, and the surrounding cluster includes restaurants, hotels, and family-entertainment venues. For residents, it’s the everyday answer to weekend shopping, kid-friendly outings, and rainy-day plans without needing to drive into Detroit or Troy.
Civic & Community Anchors
The Auburn Hills Civic Center occupies the former Wesson Seyburn estate, which Pontiac Township purchased in 1975 and adapted for government use. The estate’s history — built by John Dodge’s son-in-law on land tied to the Dodge-Wilson family — gives the civic core a tangible link to the area’s automotive-era past. Local parks, a public library, and Avondale School District events round out the community calendar throughout the year.
Financing note: Walkable amenities read as a resale strength, and your broker counts that in the comparables.
Auburn Hills Healthcare & Medical Facilities
Healthcare access here leans on Pontiac’s hospital cluster just to the west, plus Beaumont’s Troy campus to the south. Together they cover routine and emergency needs without long drives, and the broader Detroit-metro academic systems handle tertiary referrals.
McLaren Oakland Hospital – Pontiac
McLaren Oakland Hospital in adjacent Pontiac is roughly a ten-minute drive west and serves as the closest full-service hospital for most local residents. It handles emergency care, surgical services, inpatient stays, and the routine specialty visits that come with a community of this size. For buyers relocating from outside Michigan, this is typically the default hospital when proximity matters.
Beaumont Hospital – Troy
Beaumont Hospital Troy sits about fifteen minutes south along the freeway corridor and provides comprehensive care including emergency services, surgical care, and a wide range of specialty service lines. The Troy campus is part of the larger Beaumont system (now operating within Corewell Health), giving local residents straightforward access to a regional academic-affiliated network without leaving Oakland County.
Trinity Health St. Joseph Mercy Oakland
Trinity Health St. Joseph Mercy Oakland, located in Pontiac, adds a second nearby option for hospital-based care. The campus is part of the Trinity Health system and offers emergency, surgical, and specialty services that complement McLaren Oakland’s footprint just down the road. Many local residents pick between the two Pontiac hospitals based on physician affiliation and insurance network rather than geography.
Tertiary Referral — Major Academic Systems
For tertiary and quaternary needs — complex oncology, cardiac, neurosurgery, and transplant programs — local residents draw on the broader Detroit-metro academic systems including the Corewell Health (Beaumont) network, Henry Ford Health, and the University of Michigan Health system in Ann Arbor (about 64 minutes away). Specialist referrals are common given the corporate workforce and university-affiliated population, and most major networks have referral relationships with the closer community hospitals. Your mortgage expert works from current figures, not last quarter’s.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so your local loan expert will show the payment your file qualifies for and the payment your household actually feels.
Auburn Hills Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Auburn Hills, Michigan?
The average home price in Auburn Hills is about $424,125 — 19.7% above the Michigan statewide average. Edward compares all programs to maximize your Oakland County purchasing power.
QHow fast are homes selling in Auburn Hills, Michigan?
Auburn Hills averages 41 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Your loan officer can confirm the current figure for your situation.
QHow much down payment do I need in Auburn Hills?
FHA requires about $14,844 (3.5%) at Auburn Hills’s average of about $424,125. Conventional starts at 3-5% down (about $12,724–$21,206). VA offers 0% down for qualifying veterans. Edward Kalavitz reviews every option before finalizing your strategy.
QWhat are closing costs in Auburn Hills?
Closing costs typically run 2-5% — approximately $5,200–$21,206 on a $424,125 Auburn Hills home. See the closing costs guide. Edward provides a detailed Loan Estimate upfront. As your local mortgage expert, Edward answers this the day you ask.
QWhat credit score do I need to buy in Auburn Hills?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Your broker reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Auburn Hills?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Auburn Hills transaction on schedule. Ask your mortgage expert to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Auburn Hills, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Auburn Hills and all 83 Michigan counties through Private Mortgage Guarantee LLC (NMLS #2033317). Available Monday-Friday 8AM-8PM and Saturday-Sunday 9AM-8PM including every holiday. Your local loan expert will put this in writing on your Loan Estimate.
QIs Auburn Hills, Michigan a good place to buy?
Auburn Hills offers Oakland County community character and a $424,125 average that is 19.7% above the Michigan statewide average — with Conventional + FHA financing accessible for a wide range of buyers. Edward evaluates specific properties and programs for every buyer profile.
Ready to Get Started with Your loan officer?
Our free Michigan Mortgage Advisor compares FHA, VA, USDA, and Conventional rates for Auburn Hills homebuyers instantly.
Available When You Need Answers
Real estate questions don’t wait for business hours — and neither does Edward Kalavitz.
Michigan Loan Programs for Auburn Hills Buyers & Homeowners
As your Auburn Hills mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options: