08/10/2026
One of the biggest mistakes I see first-time homebuyers make is starting with the house instead of the financing.
They start scrolling Zillow, go to a few showings, find a house they love…and *then* talk to a lender.
Sometimes it works out just fine. Other times, they find out the payment is higher than they expected, they’re shopping above their comfortable price range, or there’s something with their credit, income or down payment that would have been much easier to address earlier.
I’d much rather have that conversation before you find the house.
And that doesn’t mean you need to fill out a pre-approval application just because you’re thinking about buying.
I offer a free mortgage consultation where we can talk through your plans, answer questions and run some numbers before you ever apply. We can look at estimated payments, down payment options, closing costs and different price points so you have a realistic idea of what buying a home would look like for you.
Then, when you’re ready to get serious about house hunting, we can take the next step and complete the pre-approval.
If buying a home in the Ann Arbor area, Metro Detroit, or anywhere in Michigan is on your radar, start with a plan, not a house.
Take a minute to fill out my contact form below and I’ll reach out to schedule a time to talk!
https://www.homesmortgagelending.com/contact-us
