Buyer Resources
Your Guide to Buying a Home
Everything you need to know about the home buying process, from pre-approval to closing day.
The Process
How to Buy a Home
Step 1
Get Pre-Approved
Meet with a lender to determine your budget and get a pre-approval letter. This shows sellers you are a serious buyer.
Step 2
Search for Homes
Work with your agent to find properties that match your needs, budget, and preferred neighborhoods.
Step 3
Make an Offer
When you find the right home, your agent will help you craft a competitive offer and negotiate on your behalf.
Step 4
Close and Move In
Complete inspections, finalize your mortgage, sign the paperwork, and get the keys to your new home.
First-Time Buyers
Tips for First-Time Home Buyers
- Start saving for a down payment early. Many programs require as little as 3% down.
- Check your credit score and work to improve it before applying for a mortgage.
- Research first-time buyer programs in Michigan, including down payment assistance.
- Get pre-approved before you start house hunting to know your budget.
- Do not make large purchases or change jobs during the mortgage process.
- Always get a home inspection, even for new construction.
Financial Tools
Buyer Calculators
Use these tools to estimate costs and plan your home purchase with confidence.