Get pre-approved
A quick call about your goals and timing. Then Greg reviews your credit, income, and savings and sends your pre-approval letter. A pre-approval is not a loan approval or a commitment to lend.
Greg
Shop with your agent
Tour homes with your agent. Kelli updates your letter for each offer and runs the numbers on homes you like.
Your agent, Greg, and Kelli
Offer accepted
Your loan disclosures arrive right after acceptance for you to review and sign.
Greg and Kelli
Appraisal and underwriting
The appraisal is ordered and your file goes to underwriting. Answer document requests quickly and avoid new credit or big purchases until closing.
Tonya Pinard and Megan Koby
Clear to close
Final approval. You receive your Closing Disclosure to review before closing day.
Tonya and Megan, with Greg on the file
Closing day
Sign your documents and get your keys. We stay available for questions after closing.
The whole team
What to have ready
- Photo ID
- Recent pay stubsAbout the last 30 days
- W-2sThe last two years
- Bank statementsThe last two months, all pages
- Tax returnsIf you are self-employed or earn commission
- Gift letterIf family is helping with funds
Buying your first home?
Most of our clients are first time buyers, and every question is a good one. We walk you through the options that may fit, including conventional, FHA, and a Michigan homebuyer program for eligible buyers.
Homebuyer Guide (PDF) First time buyer guide (PDF) Loan options
Michigan property taxes
Your tax bill may not match the seller's. In Michigan, a home's taxable value resets after a sale, so taxes are based on a new number rather than what the seller paid. We plan your budget around that, not the old bill.
If it will be your primary home, file a Principal Residence Exemption with your city or township after closing.