Financing Your Greater Lansing Area Home

As a Certified Buyer Representative, we work for you, at no cost to you.   Sandi & I are aware of just about every type of financing there is and can get you into a home with no money out of your pocket and know the mortgage companies that can deal with less than good credit.

We can take you through any home, no matter what company has it Listed for sale and we can write the offer with you and be there for you during and after the closing.

TYPES OF MORTGAGES AVAILABLE

Zero or No Down Payment Mortgages:

We can help you contact mortgage companies that have programs available, for which there is no down payment required or sometime a very small down payment.

Zero Down Payment and Zero Closing Cost Mortgages:

Some mortgage companies that we work with have programs that allow the seller to agree to assist you the buyer, by directly or indirectly paying some or all of your closing costs and down payment.  Seller assist is something that we write into the offer to purchase or buy/sell agreement, when we complete your offer.

It is possible for you to get a mortgage and your new home without  a single penny out of your pocket….ZERO COST TO YOU!

Bruised or Really Bad Credit Mortgages:

Your Credit Status is determined by your credit history and is assigned a score, by 3 major credit reporting companies.  There are mortgage companies that will give you a mortgage, if your credit score is low.  Depending on how low it is, their investors may charge a higher interest rate than the going rate.  Sometimes buyers with bad credit get this kind of mortgage and in a year or two, they refinance at a better interest rate, when they have improved on their credit.

Conventional Mortgages:

This type of mortgage may require 20% or more down payment, a credit score of 700+, and the buyer may pay all closing costs themselves.  The interest rate will be the best available.

FHA and VA Mortgages:

These types of mortgages are insured by the Federal Government, as they are less than 20% down payment mortgages.   Most mortgage companies offer these types of mortgages.  The Federal Housing Authority and the Veteran’s Administration are insuring agencies. they are not lending agencies.

PMI Mortgages:

This type is technically a Conventional Mortgage, with less than 20% down payment.  PMI is an acronym that stands for Private Mortgage Insurance, not a governmental insuring agency, ie: private investors insure the part of the down payment that is less than 20%.  When you have PMI or any type of MIP, there is a small premium charge as part of your monthly house payment.

MSHDA, Farm Home Loans, Credit Unions, Land Contracts, Purchase Money Mortgages, Lease to Own, Family Financing:

These are some of the other types of financing available, for first and second, third…time buyers.  Sometimes one or more of these can be combined.  I would be pleased to discuss all of these further with you and/or arrange a time to meet with a mortgage person or with me, at your convenience.  Buyers often prefer to talk with me first and also to have me accompany them when meeting with the mortgage person.

SANDI & I WANT TO BE YOUR FULL TIME AGENTS, LOOKING OUT FOR YOUR BEHALF AND THERE IS ABSOLUTELY ZERO COSTS TO YOU, FOR MY/OUR SERVICES.

To arrange a time to get together to discuss or pursue this further:
Call us at 517-204-8886.