Michigan Mortgage Questions

Start with the question you have today. These guides connect payment and cash planning with the borrower, property and loan requirements that determine your next step.

Affordability and monthly payment

Down payment and cash needed

Credit and first-time buyers

FHA, VA, USDA and conventional

Self-employed, 1099 and bank statements

Investment, taxes, appraisals and condos

Refinancing and comparing offers

Put the answer in a local context

Compare Grand Rapids, Holland, Byron Center, Rockford, Zeeland and Lansing property planning. Mike’s minimum credit score is 580; individual programs may require more.

Would it help to look at your numbers?

If you’re wondering how this applies to your plans, send me the question you’re trying to answer. You don’t need to have everything figured out before we talk.

Prefer to start with the numbers? Use the Michigan Home Affordability Calculator or take the 2-Minute Home Buyer Readiness Assessment. Neither is a loan approval.

Ask Mike a question · Call 616-319-1640 · Email Mike. For live chat, use the Live Chat control on the homepage.

By Mike Alkema, Michigan Mortgage Broker · NMLS 642953 · 30+ years of mortgage and real-estate lending experience. Content updated September 27, 2026.

Loan programs, terms and availability depend on the borrower, property and lender. This is educational information, not a commitment to lend. Explore Michigan Mortgage Questions.