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Property types · Michigan

2 to 4 unit property loan officers in Michigan

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Michigan whose lender pages show 2 to 4 unit property work. The top-ranked are Greg Kohlhagen (Union Home Mortgage, Sandusky) and Amilia Cao (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 2

  1. 1

    Greg KohlhagenNMLS 2100313

    Union Home Mortgage · Sandusky, OH · licensed in 3 states

    • 2 to 4 unit property
    • Mixed-use property
    • Real estate investor
    • MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
    • States 18 years of experience (lender page, 2026-10-09)
  2. 2

    Amilia CaoNMLS 2424062

    Loan Factory · Mortgage broker · Illinois · licensed in 3 states

    • 2 to 4 unit property
    • Condo
    • Real estate investor
    • MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)

Before you choose

Rental income rules, reserve requirements and appraisal comps for small multifamily vary a lot between lenders.

  • How much of the projected rental income can count toward qualifying?
  • Can I buy this with FHA or VA if I live in one unit?
  • What reserves do you require for a 2 to 4 unit property?

More about 2 to 4 unit property

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a MI license is confirmed with the state regulator (check mark), MI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=multi-family-2-4&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.