Redford Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Redford, Wayne County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Redford, Wayne County & all 83 Michigan counties
In This Guide
- Today’s Rates in Redford
- Michigan Mortgage Advisor
- Meet Your Redford Mortgage Broker
- About Redford, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Redford
- Buying in Redford
- Selling in Redford
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Redford FAQ
- Available Hours
Mortgage Rates in Redford
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 Redford 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 Redford 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 Wayne 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. Redford, Michigan is a Wayne County community where average home prices of about $185,000 sit 47.8% below 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 Redford’s average of about $185,000 — down payments starting at 3-5% (about $5,550–$9,250) and the most flexible long-term structure for buyers with solid credit. FHA provides the credit-accessible alternative with just 3.5% down (about $6,475) for buyers earlier in their financial journey.
USDA rural development zero-down financing may also be available for some Redford-area addresses verifies USDA eligibility for any address at no cost during the initial consultation.
With 175 homes sold in six months and a 18-day average market time, Redford 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 Wayne County market knowledge and 7-day availability including all holidays.
Redford Michigan Mortgage Broker — First-Time Homebuyer Guide
With conventional financing starting at 3% down and FHA requiring about $6,475 at Redford’s average of about $185,000 — 47.8% below the Michigan statewide average — Redford 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 Redford, Michigan
Redford Township is a charter township of about 49,504 residents in Wayne County, sitting as an inner-ring Detroit suburb that borders the city directly to the west. Downtown Detroit sits roughly 15 miles southeast, and the township covers about 11.2 square miles of all-land area. The community is bordered by Livonia, Dearborn Heights, Farmington, and several other Wayne County suburbs, placing it inside one of the densest residential rings in the Detroit metro. Ask your local loan expert whether a different programme suits you better.
The township traces back to an 1827 gubernatorial act that organized Springwells and Bucklin Townships. Bucklin was split in 1829 along what is now Inkster Road into Nankin Township to the west and Pekin Township to the east — names drawn from a contemporary public fascination with China. In March 1833, Pekin was renamed Redford, and the southern half later became Dearborn Township.
The name itself comes from the river: natives and colonial European immigrants forded the Rouge where it runs through the area, and ‘rouge’ is French for ‘red.’ Through the 1920s the eastern portions were annexed by Detroit, until the Michigan legislature granted charter status in 1926 to halt further annexation.
The local economy reflects the township’s role as a Detroit inner-ring suburb: most working residents commute into Detroit, Dearborn, Livonia, or Farmington for employment in healthcare, automotive, education, and metro-area services. With downtown Detroit roughly 19 minutes away and Ann Arbor about 30 minutes via I-275, residents have access to two of the largest employment hubs in Michigan without leaving the western Wayne corridor.
Commerce along the Telegraph Road and Plymouth Road corridors supplies day-to-day retail, restaurants, and service businesses. The dual public school districts — South Redford and Redford Union — are themselves significant local employers alongside the Hosanna-Tabor Evangelical Lutheran Church and School, which gained national legal prominence through a 2012 U.S. Supreme Court case.
Neighborhood Guide · Redford, MI
Redford Neighborhoods
Neighborhoods across the township span 11.2 square miles of all-land territory in Wayne County, organized loosely around the Telegraph Road and Plymouth Road commercial corridors, the I-96 and I-275 freeway access points, and the two public school district boundaries. Inventory is overwhelmingly post-war single-family residential, with smaller pockets of condominium and townhouse housing closer to the commercial corridors.
Telegraph Road Corridor
Residential blocks line the side streets running off Telegraph Road, one of the two primary commercial spines through the township. Inventory here leans heavily toward single-family post-war housing on compact lots, with smaller multi-unit and condominium properties nearer the corridor itself. Telegraph Road carries day-to-day retail, restaurants, and service businesses, making it a practical address for buyers who want short trips to errands and food without venturing into Detroit proper. Edward can talk this through in plain language.
Walkability: Drivable corridor with sidewalks along the side streets; most daily destinations along Telegraph Road require a short drive rather than a walk. As your local mortgage expert, Edward would want to see your figures first.
Buyer fit: Common among buyers prioritizing easy access to corridor retail, short Detroit-metro commutes, and a price point well below Livonia and Farmington across the township line. Also popular with first-time buyers and investors targeting Wayne County workforce rental demand. Your loan officer can tell you what changes and what does not.
Plymouth Road Corridor
The Plymouth Road corridor runs through the southern portion of the township and forms the second of the two primary commercial spines. Residential side streets carry the same post-war single-family character found across most of the township, with inventory weighted toward mid-century ranches and modest two-story homes. The corridor itself feeds directly toward Livonia and Plymouth to the west, making it a frequent choice for buyers commuting into the I-275 western suburbs. Worth raising with Edward Kalavitz while you are still comparing homes.
Walkability: Drive-oriented along Plymouth Road itself, with residential side streets offering sidewalks and a walkable block-by-block feel. Your broker can map this against what you want your payment to be.
Buyer fit: Common among commuters who work toward Plymouth, Livonia, or western Wayne County and want to keep their commute under 20 minutes door-to-door. Also a frequent landing point for buyers transitioning out of Detroit who want corridor convenience without the city tax structure. Ask your mortgage expert to show you the trade-offs before you decide.
South Redford Schools Area
Residential blocks across the southern and central portions of the township feed into the South Redford school district, which operates Thurston High School. Inventory here is dominated by mid-20th-century single-family housing on subdivision-style lots — three-bedroom ranches, modest colonials, and a smaller share of split-levels. Pricing typically runs slightly above the corridor-adjacent blocks because school-district demand pulls family buyers into this footprint. Your local loan expert can verify this rather than leaving you to guess.
Walkability: Sidewalks throughout the subdivisions, with neighborhood parks and elementary schools generally within a short walk of most blocks. As your local mortgage expert, Edward can coordinate this with the purchase side.
Buyer fit: Common among families prioritizing the South Redford school assignment, particularly buyers targeting Thurston High School as their assigned high school. Verifying district boundary by exact address is essential — assignments cross municipal lines and shift periodically. Edward confirms district as part of every buyer consultation. Edward can tell you where this sits relative to your goals.
Redford Union Schools Area
Residential blocks across the northern and central portions of the township feed into the Redford Union school district, which operates Redford Union High School. The housing stock mirrors the rest of the community — mid-century single-family on subdivision lots, with a steady mix of three-bedroom ranches and modest two-story homes. The district pulls family demand the same way the South Redford footprint does, and inventory turns at a similar pace. Your loan officer can walk you through how this lands on your file.
Walkability: Sidewalks throughout the residential subdivisions, with most blocks offering a walkable feel even though daily errands typically require a short drive. As your local mortgage expert, Edward reviews this line by line with you.
Buyer fit: Common among families prioritizing Redford Union as their assigned district, especially buyers targeting Redford Union High School. As with the South Redford footprint, exact district boundary must be confirmed by address before writing an offer — Edward verifies this during the buyer consultation. Ask Edward Kalavitz what this changes about your qualifying number.
I-96 / I-275 Corridor
Blocks closest to the I-96 and I-275 freeway interchanges pull a premium from buyers prioritizing fast freeway access in both directions. From this footprint, Detroit sits roughly 19 minutes east via I-96, Ann Arbor about 30 minutes south via I-275, and Livonia and Farmington a short 8-to-15 minute hop. Housing here mirrors the rest of the township but typically carries slightly higher pricing for the freeway proximity. A Redford Michigan mortgage broker who also holds a real estate licence sees the whole transaction.
Walkability: Drive-oriented blocks built around freeway access; sidewalks are present on residential streets but most destinations require a vehicle. Your broker can show you where this sits in your budget.
Buyer fit: Common among Detroit-metro commuters who split work locations between Detroit, Ann Arbor, and the western suburbs and want a single home base with multi-direction freeway access. Also popular with frequent travelers who use DTW International airport — Detroit Metro sits a short drive south via I-275. Bring this up with your mortgage expert before you write an offer.
Greater Redford Township Residential
The broader residential footprint outside the named corridors and school sub-areas covers the bulk of the township’s housing stock. Post-war single-family inventory predominates, with steady turnover and pricing that reflects the larger Wayne County inner-ring suburb market. Pockets near the River Rouge middle branch, Lola Valley Park, and Bell Creek Park add green-space access that is sometimes overlooked by buyers focused only on corridor or school-district criteria. Your local loan expert works from current figures, not last quarter’s.
Walkability: Walkable subdivision feel with sidewalks throughout, plus parks and creek-corridor green space within reach of many blocks. As your local mortgage expert, Edward can put this in writing for a seller.
Buyer fit: Common among long-tenure residents and buyers prioritizing Wayne County value pricing relative to Livonia, Farmington, and Plymouth. Also frequent among investors targeting workforce rental demand across the Detroit metro inner ring. Edward can tell you quickly whether this is a factor for you.
Financing note: Value varies block by block here, and your loan officer prices the specific address rather than the postcode. Ask Edward Kalavitz which pockets appraise most consistently.
Property Types in Redford
Single-Family Homes
Single-family housing is the dominant inventory across the township. Most stock is post-war mid-century construction — three-bedroom ranches, modest colonials, and a smaller share of split-levels on compact subdivision lots. Pricing runs roughly $150K-$340K across the broader residential blocks, with the upper end of the range applying to larger-parcel and freeway-adjacent inventory. Sidewalks are present throughout most subdivisions. This is the kind of detail your broker should raise before you commit.
Condos & Townhouses
Condominium and townhouse inventory clusters closer to the Telegraph Road and Plymouth Road corridors, with smaller multi-unit developments scattered through the rest of the township. This segment carries the lowest entry price point in the market and pulls strong demand from first-time buyers, downsizers, and investors targeting Wayne County workforce rental demand. Inventory typically turns faster than the single-family stock. Your mortgage expert can run this against your actual income and debts.
New Construction
New-construction volume is modest and consists primarily of infill development on existing residential lots rather than large subdivision projects. The township is largely built out, so most newly built homes appear one or two at a time as older inventory is replaced. Buyers prioritizing new construction often have to wait for a specific opportunity or expand the search into neighboring Wayne County communities. Ask your local loan expert to compare a couple of structures side by side.
Investment Properties
The rental market is supported by steady Detroit-metro and Wayne County workforce demand, with most rental inventory concentrated in the same condominium, townhouse, and entry-level single-family footprint that defines the lower price tier. Investors here typically target buy-and-hold strategies rather than flips, given the modest spread between purchase price and after-repair value across most of the township. Edward can flag this early rather than at underwriting.
Waterfront Homes
The township is inland — no Great Lakes frontage and no major inland lake within municipal boundaries. The middle branch of the River Rouge runs through Lola Valley Park, Tarabusi Creek flows through Bell Creek Park, and Ashcroft Creek runs along the southeastern corner. Homes near these creek corridors carry a modest green-space premium but do not represent true waterfront in the lake-frontage sense buyers from other Michigan markets often expect. As your local mortgage expert, Edward handles this in the pre-approval, not after.
Luxury Homes
The higher-end segment is limited and concentrates on larger-parcel single-family inventory, typically in the more sought-after school-district footprints and the blocks closest to the I-96 and I-275 interchanges. Buyers seeking true luxury inventory at higher price points generally cross the township line into Livonia, Farmington, or Plymouth, where the upper end of each market reaches well above the local ceiling. Your loan officer can confirm whether your file clears this comfortably.
Financing note: Programme fit depends on build type and condition. Edward Kalavitz matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Redford Schools & Education
The township is served by two separate public school districts — South Redford Schools and Redford Union Schools — whose boundaries divide the township between them. District assignment is property-specific, and buyers should confirm exact district by address before writing an offer. Higher education is anchored by Schoolcraft College in nearby Livonia and Wayne County Community College.
South Redford Schools
The South Redford district covers the southern and central portions of the township and operates Thurston High School as its assigned high school. The district serves a multi-elementary, single-high-school configuration typical of inner-ring Detroit suburbs and pulls steady family demand in the residential blocks within its boundary. Buyers targeting a South Redford assignment must verify boundary by address — the line between South Redford and Redford Union does not follow obvious geographic markers and shifts periodically as the districts review assignments. Edward confirms current district status for every specific property during the buyer consultation. Worth a conversation with your broker before you tour homes.
Redford Union Schools
The Redford Union district covers the northern and central portions of the township and operates Redford Union High School. The district serves the residential blocks outside the South Redford footprint and has roughly comparable family demand, though the two districts maintain separate administration, programming, and enrollment options. As with the neighboring district, boundary lines are not strictly geographic and can shift, so address-level verification is essential before relying on a specific assignment. Edward handles the district confirmation directly so buyers do not have to navigate the two district offices on their own. Your mortgage expert can tell you what a lender will actually count here.
Higher Education — Schoolcraft College / Wayne County Community College
Schoolcraft College sits in nearby Livonia, roughly an 8-minute drive away, and anchors the closest community-college campus for the township. Wayne County Community College operates a multi-campus system across the broader Detroit metro and provides additional two-year and certificate pathways. Both institutions feed into the four-year university transfer pipeline, with the University of Michigan campus in Ann Arbor about 30 minutes south via I-275 and Wayne State University in downtown Detroit a similar drive east. Together they give residents practical access to community-college, transfer-track, and full four-year options without relocating. Ask your local loan expert how this reads on a real loan estimate.
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 Edward prices from the appraised address rather than the mailing town. Ask your loan officer to confirm the district before you write the offer.
Cost of Living & Property Taxes in Redford
One of the biggest advantages of Redford Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Redford.
18 mills
Removed by PRE
$60,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Redford 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 Redford 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 Redford home, the PRE saves roughly $770 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. A Redford Michigan mortgage broker who is also a Realtor can line this up with your offer.
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 Redford than in comparable out-of-state markets. Edward Kalavitz can price two or three options so you can compare.
Within Redford, 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 Redford 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 your broker builds them in from the start rather than surprising you at closing.
Redford Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Redford Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Redford 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, Redford 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 mortgage expert reprices weekly. Your local loan expert can tell you what is actually closing in Redford right now.
Redford Michigan Mortgage Broker Loan Programs
Edward offers the full range of Michigan mortgage programs for Wayne 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 $5,550–$9,250 at Redford’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 $6,475 at Redford’s average of about $185,000
- 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 Redford-area rural addresses
- Below-market interest rates for income-eligible buyers
- Your loan officer verifies eligibility at no cost
- Income limits apply — Edward reviews Wayne County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Redford properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium Wayne County properties
🎖️ VA Loans — Zero Down for Redford 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 Redford residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for Wayne 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 Redford-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
Redford Michigan Mortgage Broker — Your 5-Step Process
Edward Kalavitz has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call your broker 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 Redford
Pre-approval in hand, you evaluate Redford properties with confidence. Your mortgage expert can also serve as your licensed realtor — running live payment scenarios as you compare properties across Wayne County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, your local loan expert 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 Redford transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Redford
On closing day, Edward ensures every document is accurate and all fees are verified. You sign final documents and officially become a Redford homeowner.
Edward’s Selling Advantage
Selling Your Home in Redford
Selling a home in Redford 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. Your local loan expert can tell you if this affects your timeline at all.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Redford 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 keeps the lending and the buying on one schedule.
Most Redford 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 Redford, 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 Redford sellers are buying again, and Edward 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 loan officer for the sale as well.
Why Choose This Redford Michigan Mortgage Broker
Edward Kalavitz brings over a quarter century of lending and real estate expertise to every Wayne County transaction.
Edward compares Conventional + FHA across dozens of wholesale lenders simultaneously — ensuring every Redford buyer gets the best available rate and program structure.
Edward Kalavitz
Edward’s Local Take on Redford
Twenty-five years working across this market, here is how I help buyers think about Redford by priority. The township is one of Wayne County’s classic inner-ring Detroit suburbs — two school district options, two commercial corridors, two freeways, and a price point well below Livonia or Farmington for comparable housing. Most of my buyers here are choosing it for one of five reasons, and the right neighborhood depends on which one is yours. Let me walk through how I rank the priorities. Your local loan expert can confirm the current figure rather than an estimate.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Redford Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Redford 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 mortgage expert can check this against today’s guidelines.
“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!” This is a question for your local loan expert before you start looking.
“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!” Edward can tell you how much room this leaves you.
Redford Commute & Transportation
The community sits at the intersection of two major freeway corridors — I-96 running east-west and I-275 running north-south — plus the Telegraph Road and Plymouth Road surface arterials. This combination provides multi-direction access into Detroit, Ann Arbor, and the western Wayne suburbs without forcing residents to commit to a single commute direction.
Interstate 96
I-96 runs east-west directly through the township and provides the primary commute path into downtown Detroit, roughly 19 minutes east and 16.9 miles by road. Westbound, the same freeway carries traffic toward Livonia, Novi, and eventually the I-96/I-696 split. This is the everyday workhorse freeway for residents working in downtown Detroit, midtown, or the eastern Wayne County employment cluster.
Interstate 275 Access
I-275 runs north-south just west of the township and connects directly into Ann Arbor in roughly 30 minutes via the I-275/M-14 corridor. Northbound, the same route feeds into Plymouth, Novi, and the I-96 interchange; southbound, it reaches Detroit Metropolitan Airport in a short drive. This freeway is the second pillar of the local commute network and the primary route for residents working in Ann Arbor or traveling frequently from DTW. Ask your loan officer to sanity-check the numbers you have been quoted.
Telegraph Road
Telegraph Road provides north-south surface-arterial connectivity through the township and serves as the primary commercial spine for retail, restaurants, and service businesses. The corridor connects northbound toward Farmington Hills and southbound toward Dearborn Heights and the Downriver suburbs, giving residents a non-freeway alternative when I-96 or I-275 traffic backs up at peak hours.
Detroit Metro Access
Downtown Detroit sits roughly 19 minutes east via I-96, with a road distance of about 16.9 miles. This proximity is the township’s defining commute feature — residents can hold downtown Detroit jobs, attend sporting events at Comerica Park, Ford Field, or Little Caesars Arena, and access the riverfront entertainment district without the urban housing costs. Ann Arbor sits a comparable 30 minutes south via I-275, giving two-direction metro access from a single home base. Edward Kalavitz can confirm what a lender will need to see.
Financing note: Freeway access is a recognised location factor in the appraisal, and your broker sees it in the comparables. Your mortgage expert will also fold the true cost of a longer commute into what you can carry.
Where Redford Sits on the Map
Approximate drive times to other markets buyers commonly compare to Redford. Times reflect typical non-rush conditions; commute hours add 15–30%.
Redford Lifestyle, Entertainment & Recreation
Daily life in the township revolves around the established Detroit inner-ring suburb pattern: residential blocks, dual school districts, two commercial corridors, and easy multi-direction freeway access. Green space follows the River Rouge middle branch through Lola Valley Park and the Bell Branch through Bell Creek Park, providing creek-corridor walking and natural buffer between the residential subdivisions.
Detroit Inner-Ring Suburb Character
The community holds the classic Detroit inner-ring suburb feel — post-war single-family blocks, modest lot sizes, sidewalks throughout the subdivisions, and a walkable subdivision rhythm even though daily errands generally require a short drive. The character draws long-tenure homeowners and steady multi-generational families, balanced against new arrivals attracted by Wayne County value pricing relative to the western metro.
Telegraph Road / Plymouth Road Corridors
The two commercial corridors carry day-to-day retail, restaurants, and service businesses without forcing residents into Detroit proper. Telegraph Road handles the north-south retail spine, while Plymouth Road runs east-west toward the western Wayne suburbs. Together they cover the standard suburban-corridor errand pattern — groceries, banking, dining, automotive — and reduce the need for cross-metro trips for routine needs.
Parks & River Rouge Green Space
Lola Valley Park follows the middle branch of the River Rouge through the township, and Bell Creek Park sits along Tarabusi Creek of the Bell Branch. Ashcroft Creek runs through the southeastern corner before joining Detroit’s Rouge Park. These creek-corridor green spaces provide walking access, natural buffer between residential blocks, and a quieter outdoor feel than the surrounding Detroit-metro density would suggest.
Dual School District Options
South Redford Schools and Redford Union Schools serve different sections of the township, giving family buyers two distinct district options within a single municipality. This is a meaningful buyer-decision factor — district preference often drives the choice between two otherwise comparable homes only a few blocks apart, and confirming exact assignment by address is part of every offer Edward helps write.
Financing note: Walkable amenities read as a resale strength, and your local loan expert counts that in the comparables.
Redford Healthcare & Medical Facilities
The local healthcare network draws from two of the largest Detroit-metro hospital systems — Beaumont Health and Henry Ford Health — both within a short drive of the township. Day-to-day care is handled through outpatient clinics, urgent care, and primary-care practices within the community, with tertiary referral access through the University of Michigan and other academic medical centers.
Beaumont Hospital – Farmington Hills
Beaumont Hospital Farmington Hills provides full-service regional hospital care covering emergency medicine, surgical services, women’s health, and the standard range of inpatient and outpatient specialties. The hospital sits a short drive north into Farmington Hills, making it the closest large general-acute facility for most township residents and a frequent referral point for both primary-care physicians and urgent-care clinics in the community.
Henry Ford Hospital – Detroit
Henry Ford Hospital in Detroit serves as an academic medical center with comprehensive specialty programs in cardiology, oncology, neurology, and transplant medicine. The main campus sits roughly 19 minutes east via I-96, making it accessible for both routine specialty visits and emergency referrals. Henry Ford also operates a broader network of clinics across the western Wayne corridor that feeds into the downtown academic hub. As your local mortgage expert, Edward reviews this with every buyer.
Local Outpatient & Primary Care
Day-to-day care across the community is handled through a network of primary-care physician offices, urgent-care clinics, and specialty outpatient practices located along the Telegraph Road and Plymouth Road corridors. Most residents handle routine visits, sick care, and standard diagnostics without leaving the township, with hospital referrals routing to Beaumont Farmington Hills or Henry Ford Detroit as needed.
Tertiary Referral — Major Academic Systems
For high-complexity care, residents have access to three major academic systems within a 30-minute drive: Henry Ford Health in Detroit, Beaumont Health across the western metro, and the University of Michigan health system in Ann Arbor. This three-system referral footprint provides quaternary-care coverage across transplant, advanced oncology, complex cardiology, and rare-disease programs that are not typically available at community-hospital scale.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so Edward will show the payment your file qualifies for and the payment your household actually feels.
Redford Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Redford, Michigan?
The average home price in Redford is about $185,000 — 47.8% below the Michigan statewide average. Your loan officer compares all programs to maximize your Wayne County purchasing power.
QHow fast are homes selling in Redford, Michigan?
Redford averages 18 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Edward Kalavitz can confirm the current figure for your situation.
QHow much down payment do I need in Redford?
FHA requires about $6,475 (3.5%) at Redford’s average of about $185,000. Conventional starts at 3-5% down (about $5,550–$9,250). VA offers 0% down for qualifying veterans. Your broker reviews every option before finalizing your strategy.
QWhat are closing costs in Redford?
Closing costs typically run 2-5% — approximately $5,200–$9,250 on a $185,000 Redford 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 Redford?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Your mortgage expert reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Redford?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Redford transaction on schedule. Ask your local loan expert to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Redford, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Redford 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. Edward will put this in writing on your Loan Estimate.
QIs Redford, Michigan a good place to buy?
Redford offers Wayne County community character and a $185,000 average that is 47.8% below the Michigan statewide average — with Conventional + FHA financing accessible for a wide range of buyers. Your loan officer evaluates specific properties and programs for every buyer profile.
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Michigan Loan Programs for Redford Buyers & Homeowners
As your Redford mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options: