Buying your first home doesn't have to be overwhelming. I'll guide you through every step, answer every question, and help you find the perfect loan—even if you think you can't afford it yet.
Let's address what's holding you back
You don't need it! Most first-time buyers put down 3-5%. Some programs (VA, USDA) require $0 down.
✓ Problem solvedFHA loans accept scores as low as 580. Even lower scores can work with special programs. Let's look at your options.
✓ We can work with itSeller concessions, lender credits, and down payment assistance programs can cover most or all of your closing costs.
✓ Options availableThat's literally my job. I'll walk you through every single step, in plain English, no pressure.
✓ I've got youFollow these steps and you'll be holding keys in 60-90 days
Pre-approval shows sellers you're serious. We verify your income, credit, and assets. Takes 24 hours max.
You need someone who works for YOU, not the seller. If you don't have one, I can connect you with agents I trust.
Just because you're approved for $400k doesn't mean you should spend it all. Think about your lifestyle, not just the max loan.
Your agent handles this, but having a strong pre-approval from me gives you an edge over other buyers.
Never skip the inspection. I'll order the appraisal. These protect you from buying a money pit.
I submit everything to underwriting. They verify it all. This takes 2-3 weeks. Stay responsive.
Sign papers (lots of them), wire your down payment, get your keys. Congratulations—you're a homeowner!
I'll help you pick the right one
No jargon. No rushed answers. I'll explain DTI, PMI, escrow—all of it—until you get it.
Evenings, weekends, panicked texts at 10pm when you found the perfect house. I'm here.
Tricky employment history? Self-employed? Student loans? I know how to present your file.
I know Michigan programs, down payment assistance, and what works in your area.
Let's talk about your situation. Zero pressure, zero judgment.
I'll review your info and reach out within 24 hours to discuss your path to homeownership.