First Time Buyers, Repeat Buyers, and Those Looking to Refinance -- Let Us Help You!
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are. Michelle Wilson is an MSHDA Top Producer as well as a member of the Mortgage 1 President's Club. Let her and her team help you make mortgage easy.
We Help First Time Buyers and Repeat Buyers Get Into the Homes of Their Dreams
We Are MSHDA Home Loan Experts
The MI Home Loan, when combined with the MI 10K DPA loan, aims to alleviate the challenging aspect of the down payment for first-time and repeat homebuyers. A MSHDA Mortgage Credit Certificate (MCC) is a federal tax credit issued at the time a home is purchased, primarily intended for first-time homebuyers with lower incomes, enabling buyers to deduct a portion of their mortgage interest. Team Wilson specializes in MSHDA loans. We are recognized as one of the MSHDA's Top Producers in the entire state. Each year, we help dozens upon dozens of first-time buyers get MSHDA assistance to buy the home of their dreams. We can help you, too.
MSHDA Down Payment Assistance -- Up to $10,000 Statewide
If you’re a first-time home buyer or repeat buyer, getting enough money for a down payment can seem like a major hurdle. But there’s good news! The Michigan State Housing Development Authority (MSHDA) has a program that helps home buyers afford their down payment by loaning them up to $10,000 with no maximum financing requirement, 0% interest second mortgage, and no monthly payments.
Get Started Now
Team Wilson is a Top Producer MSHDA approved lender so contact them today to apply. To get started on your first mortgage, give us a call at (248) 486-1117. Better yet, get the application process started with our online mortgage app. It's fast, safe and secure.
Mortgage Loan Types for First Time and Repeat Home Buyers
Rural Development (RD Loan)
- No Down Payment Required
- Flexible Credit Guidelines
- Low PMI Rates
- Gifts/Grants/Concessions Allowed
Down Payment Assistance (DPA)
- Up to $10,000 Down Payment Assistance
- Available with VA, RD, and FHA Loans
- Homebuyer Education Class Required
- Income and Credit Limits Apply
Conventional
- Minimum 3% Down
- Fixed or ARM (Adjusted Rate Mortgage)
- PMI Required Unless 20% Down: Lender Paid or Monthly PMI Optional
- 100% Gifted Funds Allowed
FHA and FHA 203K
- Low Down Payment and Closing Costs
- Flexible Credit Guidelines
- FHA 203K Renovation Loan has no limit
- FHA 203K Streamline Allows Up TO $35K for Renovations
- Loan Limit of $472,030
VA (Veteran) Loans
- Helps Service Members, Veterans, and Surviving Spouses
- No Down Payment
- No PMI
- DD214 and Certificate of Eligibility Required
*Each Program has terms and conditions that may apply
What Our Customers Say
"Michelle and her Team provided excellent service and guidance in every step of the home buying process. At the closing it was very clear that Michelle and her Team are highly regarded in the real estate business and that played a huge part in my bid being accepted. Her reputation was a huge advantage for a perspective home buyer in this tough buyer market!"
Joy Mavigla, Client
"Michelle was absolutely wonderful to work with! After a miserable experience with Quicken Loans back in March, we decided to try the Mortgage 1 office down the street from our home that we purchased. Michelle and her team simplified the process, helped us get our ducks in a row, and had us at the closing table earlier than anticipated! If you’re unsure of who should be helping you with your mortgage needs, RUN, don’t walk, to Michelle’s office!"
Timothy Peacock, Client
Contact Us Today
Team Wilson Mortgage 1 Offices
South Lyon
Phone: (248) 486-1117
Email: [email protected]
Hartland
Phone: (248) 486-1117
Email: [email protected]
Whitmore Lake
Phone: (248) 486-1117
Email: [email protected]
Michigan Locations
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