Buying a Home
Use the 28/36 rule and Michigan-specific cost analysis to determine your true buying power.
Credit & Finance
Learn which factors affect your score and the fastest strategies to raise it.
Score Breakdown:
Fast Wins: Pay down card balances, dispute errors on your report. Call us first, we’ll tell you exactly what moves your score fastest.
Buying a Home
Closing costs run 2–5% of the loan amount. Here’s a full breakdown.
Michigan Transfer Tax: Sellers typically pay state + county transfer tax. Ask about seller concessions, sellers can often cover 3–6% of your closing costs.
Refinancing
Both access your equity but work differently. Compare the pros, cons, and use cases.
Michigan Market
Various programs may be available for eligible Michigan buyers.
Credit & Finance
Your DTI is one of the most important factors in mortgage approval.
Calculation: Total monthly debt ÷ Gross monthly income = DTI%
Example: $2,200 housing + $400 car + $200 student loan = $2,800 ÷ $7,000 = 40% DTI
Buying a Home
What to expect, what inspectors look for, and what to do when problems are found.
Michigan-Specific: Basement waterproofing, sump pumps, furnace age, roof after ice dam damage, and foundation cracks from frost heave.
Michigan Market
A county-by-county look at Michigan’s key housing markets.
Refinancing
The break-even analysis and frameworks that tell you when it makes sense.
Break-Even: Closing costs ÷ Monthly savings = months to break even.
Good Reasons to Refi:
Providing expert mortgage solutions and personalized guidance to homebuyers across the Great Lakes State.
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