Get Exclusive Savings On Your FHA Home Pre-Approval
Michigan's Preferred Local Lender
Call 248-259-7965
FHA Loans for First-Time Homebuyers
Pre-approval is free
We offer zero points, and zero costs options
Low down payment programs available
You need 2 years of employment
640 credit or higher
Down payment assistant programs up to $10,000 available
Frequently Asked Questions about FHA Loans
MINIMUM CREDIT SCORE REQUIRED
Most lenders required a minimum credit credit score of 580 or higher with an minimum 3.50% down payment.
WHAT STEPS ARE REQUIRED
Fill out the survey above and schedule a call. One of our friendly local loan officers will give you a call to discuss your home buying goals. After you complete your online application and submit your documents. You can be pre-approval and start your home search.
FHA PRE-APPROVAL LENGTH
Its does not take long to get pre-approval. Once you complete your online application and submit your required documents.
You can be pre-approved as little as 24-48 hours or less.
FHA LOAN INTEREST RATES
The FHA was design to make homes affordable. Many qualified FHA borrowers are able to qualify for a lower interest rate
then a conventional loan borrower.
WHY FHA LOAN
A FHA loan is one of the most poplar loans for home buyers. Because a FHA loan allows less then perfect credit, low down payment and easier to qualify for. The FHA is an government backed loan with the purpose to promote homeownership.
FHA REFINANCE
The FHA does allow you to refinance your existing mortgage. A few common refinances are, lower rate and lower payment,
cash out or shorter term.
How To Get Started
Click the get stated below, fill out the survey and book a call. One of our friendly local loan officers will give you a call to discuss your home buying goals and provide the programs you qualify for. Next's get pre-approval and go home shopping.
First Time Home Buyers love working with us. We have options that can cover your closing costs, and give you a low interest rate. Who does that? We do and been doing it for years. Get started today ⬇
Benefits of Home Ownership
Tim Tomkowiak, Mortgage Advisor for First Time Home Buyers
No landlord or having to deal with property management companies
Fixed monthly payment and does not go up like renting
Build equity and wealth
Financial stability and comfort knowing your financial forecast
Tax deductions and save money on your taxes
"Tim Tomkowiak and his team has successfully helped hundreds of first time home buyers. With Tim its never a no! Its either a yes or game plan. We have the experience to tell you the exact steps to take to make owning your dream home a reality" 🏡
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