When do you want to buy?

Rough is fine.

Are you a first-time home buyer?

First-time buyers can qualify for as little as 3% down.

What price are you looking at?

Slide to your ballpark. You can talk it through with me later.

Estimated purchase price

How much can you put down?

Cash to close is what you bring to the table. It is your down payment plus closing costs and the escrow set aside for property taxes and insurance.

What is your estimated credit score?

A rough range is fine. This does not pull your credit.

Estimated FICO score

Where are you looking to buy?

I only use this to estimate your property taxes. Tetra lends anywhere in Michigan as an equal housing lender and does not discriminate.

Anything you want me to know?

Questions, timing, a specific property. Optional.

Where should I send your quote?

I will send the full breakdown and reach out personally.

By sending this, you agree Tetra Home Loans may contact you by phone, text, or email about your request. Message and data rates may apply.

Let's talk down payment

For a $400,000 home, my down payment assistance covers your down payment. You would cover closing costs and fund your tax and insurance escrow. Here is your cash to close:

Estimated cash to close

Do you have about this set aside?

Got it. I will reach out to go over your options and next steps.

Prefer to talk now? Call or text me at 313-380-4740.

Start with MSHDA's $10K

As a first-time buyer with a 640 or better score, MSHDA's MI 10K DPA is your strongest option, up to $10,000 toward your down payment and closing costs. I do not do MSHDA loans myself, so here is the state's list of loan officers who do.

Want to talk it through with me first? Call or text me at 313-380-4740.

Let's get your credit ready

Right now your credit is the thing to work on, and it is fixable. I help clients raise their score and get mortgage-ready at no cost. Leave your info and I will reach out with a plan.

Prefer to talk now? Call or text me at 313-380-4740.

You are all set.

David will personally review your answers and send your quote by text and email.

Prefer to talk it through?