First-time buyers
First-time homebuyer programs in Wayne County
First-time buyers in Taylor, Woodhaven, and Detroit do not necessarily need a 20% down payment. They need a clear explanation of FHA vs. conventional 3% down, closing-cost help where it actually fits, and a pre-approval a listing agent will respect. Down-payment assistance is not always the cheapest path.
Who this may fit
Buyers who have not owned in the last three years, or who otherwise meet a program’s first-time definition.
Why borrowers use it
- Low-down FHA and conventional options for eligible buyers
- Walkthrough of earnest money, inspections, and cash to close
- Gift funds and down-payment assistance where they actually fit
- A human who answers the phone when the offer is due
Things to watch
Down-payment assistance is not always the cheapest path once fees and second liens are counted. Brad will say so if a plain FHA or conventional file is cleaner.
Documents commonly needed
- ID, income, and asset statements
- Landlord contact if you rent
- Gift letter template if family is helping
- Budget for earnest money, inspection, and closing costs
Why work with Brad on First-time buyers
First-time buyers in Taylor, Westland, and Detroit need cash-to-close in writing and a letter a listing agent respects. Brad maps FHA vs. 3% conventional, gift funds, and assistance — and will tell you if assistance is the more expensive path.
Next step
Call or text (248) 408-3855 with the property and your income type. Brad can help you review whether first-time homebuyer loans may fit — subject to program requirements — or which related option to compare. You can also start a secure application or read how pre-approval works.