Yes. Michigan offers programs that cover your down payment or closing costs. We’ll help you compare those options and explain the fine print.

Not necessarily. We understand how to document recent employment or self-employment correctly so lenders feel confident approving your file.

We specialize in qualifying borrowers with high student loan balances. It’s about showing consistent income and structuring the payment properly within guidelines.

Yes — many buyers use FHA, MSHDA, or other down payment assistance options to reduce upfront cash. We’ll walk you through which programs fit your income, credit, and home goals.

It depends on taxes, insurance, and loan structure — but we’ll reverse-engineer your target payment and build your approval around it instead of the other way around.

In many cases, yes. We help your Realtor write the offer correctly so all credits are applied within program limits.

Many Michigan buyers use down payment assistance, seller concessions, or lender credits to reduce cash to close. In some cases, we’ve structured deals where the buyer brought almost nothing to closing. It depends on credit, income, and the offer structure — not just savings.

Yes. In Michigan we often negotiate seller concessions that legally cover part (or sometimes all) of your closing costs. We’ll tell your Realtor exactly how to write that offer so it’s allowed by the loan program.

Instead of ‘What can I qualify for,’ we walk you through ‘What can I comfortably live with?’ We’ll reverse-engineer your target payment first, then match the loan structure to hit it.

As mortgage brokers, we shop multiple lenders to find you the best loan options, offering variety and personalized service. Banks or traditional lenders only provide their own products, limiting your choices. We save you time and effort by comparing rates and terms across the market, guiding you from consultation to closing.

The journey begins with a consultation to understand your needs. We’ll review your credit, income, and savings to craft a personalized plan. Whether you're ready to buy now or need some time to prepare, we ensure you start on the right foot.

Finding the best mortgage rates requires comparing offers from multiple lenders. We do the work for you, analyzing interest rates and loan types—like fixed-rate or adjustable-rate—to recommend the most affordable and suitable options for your goals.

For pre-approval, you’ll need proof of income (pay stubs, tax returns), assets (bank statements), and credit history. We guide you through collecting these documents and secure a strong pre-approval to make your home-buying process smoother.

The mortgage process typically takes 30–45 days, depending on your situation and lender requirements. From your initial consultation to closing day, we streamline every step—comparing loans, submitting applications, and ensuring a fast, stress-free experience.

Yes, we can help if you have bad credit. During our initial consultation, we assess your credit and financial situation, then explore loan options—like FHA or specialized programs—that work for lower credit scores. We'll guide you toward improving your credit if needed and find lenders willing to approve your home loan.