PURCHASE
FIND YOUR PERFECT LOAN OPTION
Welcome to the exciting journey of homeownership. Tim Tomkowiak and his team can simplify the mortgage process and help you find the best loan option for your budget and needs. Whether you're a first-time homebuyer or looking to refinance, we offer a wide variety of loan options and are committed to finding the right fit for you. Our goal is to ensure a smooth and stress-free experience, from application to closing. Our team will work with you every step of the way, providing personalized guidance and support to help you close with confidence.
Let's find the perfect loan solution for you.
WHICH ONE ARE YOU?
FIRST TIME BUYER
We’ve got the tools and resources to make this first, major transaction simple and hassle-free. Check out the options and resources we’ve put together for you to see where you’d like to start your journey. We’re here to help.
BUYING & SELLING
If you've done this a time or two, we can still help you get maximum value for your equity as you transition from one property to another. Let's work together to make it happen.
FIRST TIME HOMEBUYERS
We know you’ve got lots of questions. Join our exclusive First Time Homebuyer Group on Facebook to learn more, interact with others in your position, and learn from our trusted team of lenders in a pressure-free environment.
8 SIMPLE STEPS TO OWNING YOUR FIRST HOME
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Take the first step towards homeownership and check your credit score to ensure you're ready to apply for a mortgage.
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Find the right lender who can provide the best mortgage options and rates that fit your financial situation.
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Partner with an experienced real estate agent who will help guide you through the home buying process and find your dream home.
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Begin your home search with the help of your real estate agent, who will help you find properties that meet your criteria and budget.
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Once you've found your dream home, make an offer to the seller with the help of your real estate agent, and negotiate the best terms for you.
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Protect your investment by ordering a home inspection to ensure there are no major issues and an appraisal to determine the home's value.
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Before closing, schedule a final walkthrough with your real estate agent to ensure the home is in the condition agreed upon in your contract.
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Congratulations! The final step is to close on your home and take ownership. Your lender and real estate agent will help guide you through the closing process.
WANT MORE INFORMATION?
Simply provide your name and email, and we’ll send you our custom Michigan First Time Home Buyer Loan Program guide filled with helpful information, tips and tricks.
DOES THIS SOUND FAMILIAR?
Many first-time homebuyers are concerned about credit issues and down payments, but they don't have to stop you from owning your dream home.
CREDIT ISSUES
We understand that life can bring unexpected challenges, and sometimes those challenges can affect your credit. But that doesn't mean you should give up on your dream of owning a home. We're here to help you navigate the home-lending process and find a solution that works for you, even if you have credit issues. Our knowledgeable team will work with you to find the best options available, and we'll guide you every step of the way.
DOWN PAYMENT
Saving for a down payment can be a daunting task, but it doesn't have to be. We offer a range of mortgage options that allow for low or even zero down payment, so you can get into your dream home without having to wait for years to save. Our team will help you understand the different options available and find the best solution that works for you and your budget. Let us help you get into the home of your dreams, with a down payment that fits your needs.
READY TO PUT YOUR HOME-BUYING PLAN
INTO ACTION?
Take our survey to help us learn more about your needs and get started on your journey to homeownership.
Mike Mendoza
“I would definitely recommend Timothy for a home purchase. Timothy is hard-working and takes the time to learn his customers’ needs. Keep up the good work!”
Ahmad Rowe
“I recently worked with Tim Tomkowiak for a mortgage refinance and was impressed with his professionalism, knowledge and customer service. Tim was always available to answer my questions, explain complex financial concepts, and guide me through the process.”
Say goodbye to the stress of transitioning to your new home. Tim and his team have got you covered with exclusive tools and loan offerings. We'll help you tap into the equity of your current home to fund your down payment on your next home or make renovations to increase its value. We also offer a range of savings programs to help you reach your homeownership goals with ease.
Let us help you make a seamless move to your dream home.