Tommy the Mortgage & Real Estate Guy

06/27/2026

06/26/2026

Amazing works tonight🎆❤️⛳️

06/16/2026

For my first time buyers out there, I often hear, “how much can I afford?”

A Michigan loan officer breaks down the real household income needed to buy a $300,000 home, using debt-to-income math and local Oakland and Macomb County numbers.

06/09/2026

$279 a month.... that was the difference between "we got the house" and "we walked away."

My buyers had already lost 3 offers. Then they found the one, a $525K dream home and the lender's payment quote nearly scared them off. "Let's just wait for rates to drop."

We didn't wait. A lender-paid buydown cut their first-year payment ~$279/mo. funded by the lender, not them, not the seller. Winning offer🙌 Keys in hand. 🔑

Know a buyer stuck on the payment? Send them my way 👇

A Rochester buyer was ready to walk on their dream home over the payment. Here is how a lender-paid 1/0 buydown got them to write the winning offer.

05/01/2026

Boring fed decision...but when you look under the hood, it tells us some interesting things...

The Fed held rates on April 29, 2026. Here's what it actually means for Michigan home buyers and whether waiting for cuts is still a strategy.