First-Time Home Buyer Specialists in Harrison Township, MI
Compare first-time home buyer specialists in Harrison Township. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Michigan before hiring.
Showing 3 first-time home buyer specialists in Harrison Township, MI
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A first-time home buyer specialist in Harrison Township Michigan helps you navigate the home buying process from pre-approval to closing. These professionals are familiar with Michigan State Housing Development Authority (MSHDA) programs and local market conditions in Macomb County. They guide you through Michigan specific requirements like the 45 day inspection period and property disclosure laws.
What Does a First-Time Home Buyer Specialist in Harrison Township Cost?
Typical costs for a first-time home buyer specialist in Michigan include a real estate agent commission paid by the seller, usually 5 to 6 percent of the sale price. Mortgage origination fees range from 0.5 to 1 percent of the loan amount. Closing costs in Michigan average 2 to 5 percent of the home price, including title insurance, appraisal fees, and recording fees. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Harrison Township Michigan?
A first-time home buyer specialist is a real estate agent or mortgage advisor who focuses on helping people buy their first home. They understand Michigan specific programs like MSHDA down payment assistance and the Michigan Homeowner Assistance Fund. They also know local Harrison Township neighborhoods and school districts.
What Michigan programs are available for first-time home buyers?
Michigan offers the MSHDA MI Home Loan program with competitive rates and down payment assistance up to 10000 dollars. The MI 10K DPA program provides a 0 percent deferred loan for eligible buyers. Buyers must complete a home buyer education course approved by MSHDA to qualify.
How do I qualify for a first-time home buyer loan in Harrison Township?
You generally need a minimum credit score of 640 for MSHDA loans and a debt to income ratio below 45 percent. You must not have owned a home in the last three years. Income limits vary by county and household size, with Macomb County limits around 95000 dollars for a one person household.