5-Star Lender on Google
Lowest Mortgage Rates in Michigan
Fast, Hassle-Free Approvals
Serving All of Michigan with Exceptional Rates &
5-Star Service from a Trusted Local Expert.
734-564-0740
Who is Exact Mortgage?
At Exact Mortgage, we make the home loan process simple, affordable, and personal. As a highly-rated local mortgage broker in Michigan, we specialize in providing low interest rates and closing costs—with zero pressure and complete transparency. Whether you're buying your first home, refinancing, or exploring FHA, VA, or Jumbo loan options, you’ll receive expert guidance every step of the way.
🏡 OUR MORTGAGE SERVICES
Tailored Loan Programs for Michigan Homeowners:
✅ First-Time Homebuyer Programs
✅ Conventional Loans – Great for qualified buyers
✅ FHA Loans – Low down payment options
✅ VA Loans – 0% down for eligible veterans
✅ Jumbo Loans – For higher-priced homes
✅ Refinance Options – Lower your rate or pull cash out
Why Choose Exact Mortgage?
⭐ 133+ 5-Star Google Reviews
📉 Lowest Rates & Fees in Michigan
🕒 Quick Pre-Approvals – Same Day in Most Cases
🏠 Purchase & Refinance Options
👨💼 Work Directly with an Experienced Loan Expert
📍 Serving All of Michigan – Especially Oakland, Livingston, Washtenaw, Wayne & Macomb Counties
Still Wondering About Reaching Out To Us? Here is WHY you should!
At Exact Mortgage, we believe getting a mortgage shouldn’t be confusing, stressful, or expensive.
We’re a small, highly efficient mortgage brokerage based in White Lake, Michigan—serving all of Southeast Michigan and beyond.
With over 30 years of experience and more than 133 five-star Google reviews, our success comes from doing things differently:
💬 We listen to your goals.
📉 We shop for the lowest interest rates and closing costs.
🕒 We respond quickly—with same-day pre-approvals in many cases.
🙌 And we explain everything in simple terms, so you never feel lost.
Whether you're purchasing your dream home or refinancing to save money, we’re here to help with zero pressure and clear answers every step of the way.
Mortgage Broker in Michigan
Exact Mortgage – Frequently Asked Questions (FAQ)
1. What types of mortgage loans does Exact Mortgage offer?
We offer a wide range of mortgage options including Conventional, FHA, VA, and Jumbo loans. Whether you're purchasing a primary residence, refinancing, or exploring low down payment options, we can tailor a loan to your needs.
2. How do your rates compare to banks and online lenders?
Exact Mortgage consistently offers some of the lowest rates and closing costs in Michigan. We encourage you to compare: Get a quote from your bank or an online lender—then call us. You’ll see the Exact Mortgage difference in both pricing and personalized service.
3. What areas do you serve?
We serve all of Michigan, with a focus on Southeast Michigan, including Oakland, Livingston, Washtenaw, Wayne, and Macomb Counties. We also cover all of Soutwest Michigan including all of the Grand Rapids area and surrounding communities and cities. Our process is fully remote, so we can assist you wherever you are in the state.
4. Do you work with first-time homebuyers?
Absolutely! We specialize in helping first-time homebuyers navigate the mortgage process with ease. We’ll explain all your options, help you find down payment assistance if available, and ensure you're comfortable every step of the way.
5. Can I get pre-approved for a mortgage through Exact Mortgage?
Yes! We offer a fast and hassle-free pre-approval process that helps you know exactly what you can afford before you shop for a home. Pre-approvals also strengthen your offer when buying in a competitive market.
6. How do I apply for a mortgage?
You can start your application online, over the phone, or in person. We offer a simple, stress-free process with direct guidance from a licensed loan expert—no call centers, no pressure.
7. What’s the difference between a mortgage broker and a bank?
Unlike banks, Exact Mortgage is a mortgage broker, which means we shop multiple lenders to find you the best rate and loan product. You get more options, better pricing, and a personalized experience that large banks can’t match.
8. How long does the mortgage process take?
On average, closings take about 20 to 30 days, though timelines can vary depending on the type of loan and documentation. We work hard to ensure a smooth and timely closing.
9. Are there any hidden fees or costs?
No. At Exact Mortgage, we pride ourselves on transparency. All costs are clearly disclosed upfront—no surprises at closing.
10. Why choose Exact Mortgage?
We’re a locally owned Michigan mortgage broker with over 30 years of experience and 133+ 5-star Google reviews. We combine low rates with unmatched service, treating each client like family—not just a number.
🎯 Ready to Lock in a Lower Rate?
We encourage you to get a quote from a big bank or online lender—then call us.
You’ll instantly feel the difference. I offer clear explanations, no-nonsense answers, and some of the best mortgage terms in Michigan, all while working entirely remotely for your convenience.
📞
Call or Text: 734-564-0740
📧
Email:
RickRozman@gmail.com
🔍
Google
Search: "Exact Mortgage – Rick Rozman" to read verified client reviews
NMLS Licensing:
Loan Officer NMLS #734-564-0740
Company NMLS #1415775
AREAS SERVICED:
* All of Detroit Metropolitan and Suburban Cities & Townships, Including:
- Livingston County
- Oakland County
- Washtenaw County
- Wayne County
- Macomb County
- and More
* All of Grand Rapids Area, Including:
- Grand Rapids
- East Grand Rapids
- Grand Rapids Charter Township
- Wyoming
- Walker
- Kentwood
- Plainfield Township
- and More
📍 LOCAL EXPERTISE – MICHIGAN FOCUS
Looking for the best mortgage rates in White Lake, Novi, Brighton, Ann Arbor, Troy, or Grand Rapids?
We know Southeast & West Michigan and can help you close fast with minimal stress.
Don't Take Our Word For It.
Hear What Our Customers Say!
💬 CLIENT TESTIMONIALS
When it comes to buying a home, it can be a very stressful experience for some people. However, choosing the right mortgage lender will take a lot of that stress away Exact Mortgage is a professional and reliable mortgage lendert that focuses on providing the best service possible for its clients. Don't just take our word for it though. here are testimonials from satisfied customers who have used our lending services. Check out our full Google Reviews at Exact Mortgage-Rick Rozman to read dozens more!
Would recommend Rick Rozman to anyone and everyone who is looking for a home. As first-time home buyers, we were lucky to have someone who took the time to make sure we understood all options, documents and real estate language. He was easy to get ahold of even after normal business hours, timely in responses to us and in communicating with the other disciplines at play. 10/10 would recommend!
Colleen D.
Rick was FANTASTIC to work with! I was referred to Rick by a friend and I could not have asked for a better experience. I would recommend working with Ric to anyone who is looking to finance a new home - he is incredibly knowledgeable, helpful, and not pushy at all. Rick carefully explains everything and is very thorough, and is great at making you feel comfortable about your decision/mortgage. Rick followed up with our agent and handled all of the details for us so we did not have to worry at all - he also helped us with a very quick close which was extremely helpful for our schedules. We are so thankful to Rick for his help throughout our home buying process and would not have wished to have worked with anyone else!
Elizabeth W.
Can’t give enough praise for Rick! When looking for financing for a home, especially in today’s market, it doesn’t come at 9-5. Rick was always available any time of day, any day of the week, returned calls quickly walked me through all of the steps!! This was the 2nd time I have turned to Rick and both were 5 + stars! Would HIGHLY recommend!!
Tammy G