Your Home Buying Resource Hub

Buying a home is an exciting milestone, and having the right guidance can make all the difference. Our Buyer Guide is designed to walk you through each step with clarity and confidence, from your initial search and financing options to showings, offers, inspections, and closing day. Along the way, you will gain a better understanding of timelines, expectations, and key decisions so nothing feels overwhelming. With the right tools and support in place, you can move forward feeling informed, empowered, and ready to find the perfect place to call home.

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Buyer Guide

Included is our buyer guide, designed for a simple overview of the home buying journey. From planning and pre approval to showings, offers, inspections, all the way to closing day.

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Explore our Buyer Guide to get a clear, step by step understanding of the home buying journey and what you can expect at every stage. From your first search to closing day, this guide walks you through timelines, key decisions, financing options, inspections, and everything in between so you feel confident, prepared, and fully supported the entire way.

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Financing Options

Common Loan Types

Every buyer’s situation is different. These common financing options can help you understand what may be available before connecting with a trusted lender.

Conventional Loan

Best for: Buyers with stronger credit, stable income, and a desire for flexible property options.

Often used for primary homes, second homes, and investment properties
Down payment can vary based on borrower profile and property type
Mortgage insurance may apply when putting less money down
Lenders review credit, income, assets, employment history, and debt to income ratio

FHA Loan

Best for: Buyers who want a lower entry point and more flexible qualifying standards.

Popular with first time buyers and buyers rebuilding credit
Requires owner occupancy
Mortgage insurance is part of the program structure
Lenders still verify income, employment, assets, and overall repayment ability

VA Loan

Best for: Eligible veterans, service members, and some surviving spouses.

Primary residence program for eligible borrowers
Often known for low out of pocket entry and no monthly mortgage insurance
Certificate of Eligibility is part of the process
Individual lenders may apply their own credit and underwriting standards

USDA Loan

Best for: Buyers purchasing in eligible rural or suburban areas who meet household income limits.

Property must be in an eligible area
Household income limits apply
Primary residence only
Lenders review income stability, repayment ability, and property eligibility

Jumbo Loan

Best for: Higher priced homes that exceed conforming loan limits.

Typically requires stronger reserves and a stronger overall financial profile
Down payment expectations can be higher
Lenders often look closely at income consistency, assets, and debt ratios
Helpful for luxury or higher value purchase ranges

Michigan First Time Buyer Assistance

Best for: Buyers exploring down payment help, closing cost help, or state supported buyer programs.

Program availability can depend on income, purchase price, location, and buyer status
Some programs pair with specific loan products
Education requirements may apply
Check current program availability with your lender before making decisions

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