Your first home. Or your next chapter.

Your down payment is only one part of the budget. Closing costs, prepaid taxes and insurance, moving costs, and money you want left in savings matter too. The amount depends on your loan and property. We’ll put those pieces together before you decide what feels comfortable.

No. Eligible buyers may have options with no money down, including VA and USDA loans, or down payments as low as 3% with certain conventional loans and 3.5% with FHA loans. Each program has its own eligibility requirements. No down payment does not necessarily mean no cash needed at closing. We’ll help you compare the upfront costs and monthly payment to find a comfortable fit.

An early mortgage conversation can help you shop with a clearer budget and understand what documents you need. A preapproval is conditional, not a guarantee of financing. Final approval depends on underwriting, the property, and satisfying the lender’s requirements.

There isn’t one best loan for everyone. Credit, income, savings, property location, and eligibility all affect the choices. Marc helps you compare the options available through lending partners and explains the payment and costs in plain language.

Yes. We’ll talk through your current mortgage, the funds you plan to use, and the timing of both transactions. Marc can help you understand how selling first or buying first may affect your financing options and coordinate with your real estate agent as you make a plan. Eligibility depends on your financial situation and the lender’s requirements.

Absolutely. You can start with questions, even if you haven’t chosen a price range or started saving for a down payment. We can talk through what to prepare and what might come next. There’s no pressure to apply before you’re ready.

Yes. Marc is available seven days a week. Call or book a conversation and explain your timing. We’ll discuss the next steps and what information is needed; response times and approval timing depend on the situation.

Yes. You can compare mortgage options, ask questions, and complete the application online while working directly with Marc. We’ll coordinate the documents and next steps with your real estate agent and closing team. You do not need to be near Novi to get personal help.

Compare offers for the same loan amount, loan type, term, and rate-lock period. Look at the interest rate alongside points, lender fees, mortgage insurance, cash needed at closing, and the monthly payment. Marc can walk through the Loan Estimates with you so you understand what is driving any differences.