The programs we offer, with straight answers for buyers in Florida and Michigan.
Not sure which loan fits? Most buyers start with a first-time home buyer, FHA, or conventional loan, then run the numbers with the affordability calculator and see which Florida and Michigan community fits your budget.
You don't need 20% down and you don't need to figure this out alone. Let's start with what your payment would actually be.
The most flexible loan on the board for borrowers with solid credit — and mortgage insurance that doesn't have to be permanent.
If credit is the thing standing between you and a house, this is usually the door that opens.
No down payment, no monthly mortgage insurance, and a benefit you can use more than once.
Bank statement loans qualify you on the money actually moving through your business — not on what's left after your accountant does their job.
Student debt and a contract that hasn't started yet shouldn't keep you renting near the hospital.
Non-warrantable condo financing for Gulf Coast buildings that conventional guidelines won't touch.
DSCR financing looks at the rent the property brings in — not your tax returns, not your debt-to-income.
I'll run it honestly and tell you when the answer is no.
Waterfront on the Gulf Coast, Birmingham and Grosse Pointe estates, second homes — financing above conforming limits.
Often paid for by the seller or builder. Useful — as long as you can afford the payment it settles into.
Programs that help with the down payment or closing costs — if you qualify, and if the fit is right.
A home equity loan or line of credit leaves your existing mortgage exactly where it is.
Compare scenarios with our mortgage calculators, or see local programs and loan limits for your Florida and Michigan town.