VA home loans in Michigan
VA purchase and refinance loans for Michigan veterans, National Guard members, reservists and surviving spouses, from Macomb County to Battle Creek and Grayling.
Written by the FLO Mortgage team · Licensed mortgage broker, NMLS #1835856 · Updated October 2026
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At a glance
- Strong National Guard and Reserve community
- Full property tax exemption for 100% P&T disabled veterans
- No yearly refiling for the exemption since 2025
- Residual income region: Midwest
Talk with a licensed loan officer
Michigan
Michigan doesn't have a large active-duty base, but it has a big community of veterans, National Guard members and reservists, plus thousands of Defense civilians. Guard and Reserve members who meet the service requirements are eligible for VA loans just like active-duty veterans.
Michigan military communities we serve
| Installation | Branch | Where families often buy |
|---|---|---|
| Selfridge Air National Guard Base | Air National Guard, Coast Guard, Reserve | Harrison Twp, Mount Clemens, Clinton Twp, Macomb Twp |
| Detroit Arsenal (TACOM) | Army | Warren, Sterling Heights, Troy, Shelby Twp |
| Battle Creek Air National Guard Base and Fort Custer | Air and Army National Guard | Battle Creek, Augusta, Marshall, Kalamazoo |
| Camp Grayling | National Guard | Grayling, Gaylord, Roscommon |
| Alpena Combat Readiness Training Center | Air National Guard | Alpena, Ossineke |
| Coast Guard Air Station Traverse City | Coast Guard | Traverse City, Garfield Twp |
Selfridge is in the middle of a major modernization, with new aircraft and construction planned through the end of the decade.
Michigan property tax benefits for veterans
- Full property tax exemption on your home (MCL 211.7b) for honorably discharged veterans rated 100% permanently and totally disabled, rated individually unemployable, or approved for VA specially adapted housing.
- An unremarried surviving spouse of an eligible veteran can keep the exemption.
- File Form 5107 with your local assessor between January 1 and December 31. Since 2025, an approved exemption stays in place without refiling each year.
- Veterans and surviving spouses may also qualify for Michigan's homestead property tax credit through their state income tax return.
Buying in Michigan with a VA loan
- Michigan uses the VA's Midwest residual income table, which matches the South table for loans of $80,000 or more.
- Older homes are common. The VA appraisal checks heating, roof and safety items, so we help you plan for repairs early.
- MSHDA's MI Home Loan program can be used with VA financing through participating lenders. Ask us whether it fits your situation.
Questions, answered
Can National Guard members in Michigan get a VA loan?
Yes, if they meet VA service requirements, such as six years in the Selected Reserve or National Guard or qualifying active-duty service.
Do disabled veterans pay property taxes in Michigan?
Veterans rated 100% permanently and totally disabled, rated individually unemployable, or approved for specially adapted housing can be fully exempt on their homestead.
Do I have to refile the Michigan disabled veteran exemption every year?
Not anymore. Starting in 2025, an approved exemption remains in effect until it is rescinded or denied.
More VA loan guides
- VA home loans overview
- VA loan questions, answered
- VA loan tools and calculators
- VA home buying roadmap
- VA loans for first-time buyers
- VA loans for active duty
- VA loans for Guard and Reserve
- VA appraisals and property requirements
- VA closing costs and seller concessions
- VA occupancy rules
- VA entitlement and second VA loans
- Assumable VA loans
- VA condos and property types
- VA manual underwriting
- Disabled veteran property tax exemptions
- VA streamline refinance (IRRRL)
- VA cash-out refinance
- VA funding fee exemption
- VA loans for surviving spouses
- VA residual income explained
- VA loans after bankruptcy or foreclosure
Local VA loan help
Talk to a FLO Mortgage loan officer
Every FLO loan officer helps veterans, service members and military families with VA loans. Have a question these guides don't answer? Ask our team.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Lender requirements may be stricter than the program guidelines described here. Not all applicants will qualify. Figures reflect 2026 VA guidelines and may change without notice. FLO Mortgage is licensed in Florida, Georgia, Michigan, North Carolina, Tennessee and Texas. Company NMLS #1835856. Equal Housing Opportunity. FLO Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. Licensing & Disclosures.
Local, licensed help
Talk a VA loan through with a FLO loan officer
Every FLO Mortgage loan officer can walk you through this program, run the numbers for your situation and compare it with your other options. Have questions? Call our main office at (386) 882-9980.
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Answer a few quick questions and a local loan officer will follow up with your options.