Buy A Home
Buy a home in Michigan, Texas, or Florida.
First home or fifth, we shop your purchase financing across a network of wholesale lenders, so you see real options instead of one bank's single offer.
Purchase financing built around your timeline.
Buying a home starts with knowing what you can actually afford and getting a pre-approval that sellers trust. We verify your income, assets, and credit up front, then price your scenario across our wholesale lender network so you're not guessing at what rate you'll really get.
First-time buyers get extra attention here: low-down-payment programs, down payment assistance where available, and a plain-English walkthrough of every document you'll sign.
- ✓ Pre-approval letters that carry weight with sellers and agents
- ✓ Low-down-payment options: FHA, conventional 97%, and VA $0-down
- ✓ One point of contact from offer to closing day
Popular With Buyers
Programs built for purchasing.
These are the programs we reach for most often on a home purchase. Every borrower is different, so we'll confirm what actually fits your numbers.
FHA
Down payments as low as 3.5%, with more flexible credit requirements than most conventional loans.
VA
Often $0 down with no monthly mortgage insurance, for eligible service members, veterans, and spouses.
Conventional
As little as 3-5% down for well-qualified buyers, with mortgage insurance that drops off once you build equity.
See every program we offer, including jumbo and investor financing, on the loan programs page.
The Process
From pre-approval to keys in hand.
Get pre-approved
We verify income, assets, and credit, and hand you a pre-approval letter you can hand to your agent.
Shop with confidence
Know your real budget before you tour a single home, so you're not falling for a house you can't finance.
Make your offer
Once you're under contract, we lock your rate and move straight into processing and underwriting.
Close and move in
Final documents, funding, and the keys. Typically 30 to 45 days from a signed contract.
Questions
Buying a home, answered.
How much down payment do I need to buy a home?
It depends on the program. FHA loans start at 3.5% down, many conventional loans allow as little as 3-5% for qualified first-time buyers, and VA loans can require $0 down for eligible service members and veterans. We'll show you what each option looks like for your specific price range and credit profile.
What credit score do I need to qualify?
FHA loans can work with scores as low as 580, while conventional financing typically starts around 620. VA loans don't set a hard minimum, though lenders usually look for at least 580-620. Your rate improves as your score climbs, so we'll walk you through where you stand and what moves the needle.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you provide. Pre-approval means we've verified your income, assets, and credit, and a lender has committed to a specific loan amount in writing. Sellers take pre-approval far more seriously, especially in a competitive market.
Are there down payment assistance options for first-time buyers?
Many first-time buyers qualify for state and local down payment assistance programs, grants, or gift funds from family, on top of low-down-payment loans like FHA and conventional 97% financing. Availability varies by state and county, so we'll check what you qualify for in Michigan, Texas, or Florida.
How long does closing take once I'm under contract?
Most purchases close in about 30 to 45 days from signed contract to keys, depending on the lender, the appraisal timeline, and how quickly documents come back to us. We keep you posted at every stage so there are no surprises near your closing date.
Do you help buyers in Texas and Florida, or just Michigan?
All three. Wealth Home Lending LLC (NMLS #2499604) is licensed to originate mortgages in Michigan, Texas, and Florida, with the same lender network and loan programs available in each state.