Your First Home Starts Here with Trust Homes

Buying your first home is a major life milestone and one of the biggest financial choices you’ll ever make. At Trust Homes, based in Warren, MI, we’re committed to making the process smooth, stress-free, and educational. Our team takes pride in supporting first-time buyers by understanding your unique situation and helping you find a loan program that fits your needs.

We’re not just here to get you to the closing table — we’re here to guide, educate, and empower you every step of the way.

Start with Your Credit Score

Your credit score (ranging from 300 to 850) is a key factor in determining what loan options are available to you. Higher scores typically qualify for better rates, but don’t worry if your score isn’t perfect. Our team at Trust Homes can help you understand your credit report and recommend steps to strengthen it.

Pre-Qualification vs. Pre-Approval

Pre-Qualification gives you an estimate of how much you might be able to borrow, based on the financial info you share.

Pre-Approval goes deeper and involves verifying your income, credit, and assets — giving you a more accurate picture and making you a stronger buyer in the eyes of sellers.

At Trust Homes, we encourage you to get pre-approved before home shopping. It sets a clear budget, helps lock in potential interest rates, and signals to sellers that you’re serious.

Loan Options for First-Time Buyers

Finding the right loan is essential. Here are some of the top programs we can help you explore:

Fixed-Rate Mortgage – Offers predictable monthly payments and is a great option for long-term stability.

FHA Loan – Ideal for buyers with lower credit or smaller down payments. Backed by the Federal Housing Administration.

VA Loan – A no-down-payment option for veterans and surviving spouses, backed by the Department of Veterans Affairs.

The loan officers at Trust Homes will work closely with you to find a loan that fits both your goals and budget.

Working with a Real Estate Agent

A great agent makes a huge difference. They’ll help you understand the market, identify good properties, and negotiate with confidence. Interview a few agents to find someone local, knowledgeable, and responsive.

Need help finding a trusted agent? Let us connect you with someone in our network who fits your needs.

Making an Offer

Once you’ve found the right home, your agent will help you submit an offer that’s competitive without overpaying. It’s okay to walk away if things don’t work out — the right home will come along.

Tip: Avoid large purchases or applying for new credit during this time. Check in with your loan officer before making any financial changes.

The Closing Process

You’re almost there! Once your loan is approved, you’ll review the closing documents. Make sure you understand everything, and don’t hesitate to ask questions. Your loan will go through final underwriting before closing is scheduled.

Welcome Home

You did it! Trust Homes is proud to have been part of your journey. Enjoy this exciting new chapter — and remember, we’re always here if you need guidance down the road.