First-Time Homebuyer Programs
First-time homebuyer programs are my specialty. I help UP buyers combine low-down-payment loans with down payment assistance, interest rate buydowns, and first-time buyer programs — many of my buyers are surprised how little cash they actually need to close.
Are there down payment assistance programs with no income limits?
Yes — I work with down payment assistance options that have no income caps, alongside programs designed for moderate incomes. Tell me your situation and I'll match you to the programs you actually qualify for.
What's the lowest credit score I can have and still buy a home?
Lower than most people think. I work with FHA and VA lenders that go down to 500 FICO, plus programs with no income limits for down payment assistance. Don't assume you're not qualified until we've talked.
What is an interest rate buydown, and can it lower my payment?
A buydown lowers your interest rate — either temporarily (like a 2-1 buydown, where the rate is reduced for the first two years) or permanently by paying discount points. Seller-paid buydowns are common in the UP market, and I negotiate them into offers regularly.
How much cash do I really need to buy my first home in the Upper Peninsula?
Often less than you'd expect. Between 3%-down conventional, 3.5%-down FHA, zero-down USDA/VA, and down payment assistance, some of my buyers close with very little out of pocket. I'll map your exact cash-to-close before you house hunt.
What first-time buyer programs does Michigan offer?
Michigan's MSHDA programs offer down payment assistance and favorable terms for qualifying buyers, and I layer those with national and lender-specific programs — including options with no income limits — to build the best combination for you.
Have Any Questions?
Every situation is different, and the answers above are just a starting point. Call or text me and I’ll walk you through your options and tell you honestly where you stand. No pressure, no obligation.
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