🏡 Stop Being Your Landlord’s Favorite Charity — Own Your Home in Less Than 90 Days

Trusted Mortgage Experts Serving All of Michigan | Powered by Arch Mortgage – North

Let’s cut to the chase: you’re paying someone’s mortgage right now — it just might not be yours.

If you're renting, chances are you're building equity for your landlord instead of yourself. But here’s the good news: you could own your home in 90 days or less, even if you think you can’t. No, really.

We hear it all the time from Michigan renters:

• “Rates are too high”

• “I can’t afford the down payment”

• “I don’t want to drain my savings”

Let’s flip that narrative.

💡 Interest Rates: Not a Life Sentence

Think of your mortgage rate like a first date — you’re not stuck with it forever.
You can always refinance when rates drop. But rent? That’s a 100% interest payment... every single month. You’re giving away money with zero return.

Owning means equity, stability, and the freedom to build wealth — even in a higher-rate market.

💰 Can’t Save for a Down Payment? Let’s Talk Truth

We know saving feels tough. But you might be spending more than you think.

Grab a notebook or your phone and write down every dollar you spend for a week — gas station stops, impulse buys, daily lattes. You’ll be shocked at what adds up. Start small, redirect a little, and build a real down payment plan without starving your lifestyle.

🧚‍♀️ Down Payment Assistance: It’s Real. And We Offer It.

At the Kirby and Angie Mortgage Team, we offer powerful tools like:

• 1% Down Conventional Loans

• FHA Down Payment Assistance

• USDA Zero Down Loans (perfect for many Michigan rural areas)

Yes, MSHDA is an option — but so are other programs we offer statewide that often come with faster closings and easier qualification.

We’ll help you find the right fit based on your location, income, and goals. And no, you don’t have to “drain” your savings to buy.

🛠 Busy? Kids? Chaos? You’ve Still Got Options
Life is full — we get it. That’s why we’ve simplified the homebuying process.

Whether you’ve got kids, a crazy schedule, or doubts about your credit, we’ll help you create a 90-day game plan to go from “just looking” to pre-approved and house shopping.

Need extra income to save faster? We’ll help you brainstorm ways to scale your budget without burning out.

🚀 Here’s How to Start — It's Easy:

1. Apply online at northernmichiganmortgage.com

2. Upload:

   • 2 years of job history

   • Your last 2 pay stubs

   • Last 2 years of W-2s

3. We’ll do a soft-pull credit report — no hard inquiry needed to see where you stand.

Then we’ll talk options, timelines, and down payment help — no commitment, no pressure.

🏠 Final Thoughts

You don’t need to be rich. You don’t need perfect credit. And you definitely don’t need to keep funding your landlord’s next vacation.

You just need the right plan, the right team, and the courage to get started.

📍 Proudly Serving All of Michigan
💬 See if You Qualify — or call/text Angie at (616) 581‑6123

Let’s make homeownership your next big move.