First home? See how 3–3.5% down programs, seller credits and down-payment assistance actually stack up — myth-busting for first-time buyers.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
First home? See how 3–3.5% down programs, seller credits and down-payment assistance actually stack up — myth-busting for first-time buyers.
Loan programs
63% of our closings are first-timers, so we’ve heard every myth, every fear, and every “is this a dumb question?” (It never is.) Here’s the playbook — down payments, assistance programs, and the traps to skip.
I have $18k saved. Is that even enough to start?
In a lot of markets, yes. With a 3% down program, $18k covers the down payment on a $400k range home — and seller credits can carry closing costs.
Want me to map it against your actual numbers? Takes about 90 seconds.
Delivered
Actually:
Most first-timers land on one of these. We’ll price both for you.
What you earn, what you owe, what you’re hoping for. Ninety seconds, no hard pull, no pressure.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.