Buying your first home in Michigan? Fetti Financial Services is a nonbank lender built to get first-time buyers to the closing table — with low-down-payment loans (as little as 3% conventional, 3.5% FHA, and $0 on VA or USDA if you're eligible), first-time-buyer programs, and down payment assistance that can cover most or all of your upfront cost. Not sure where to start, or told no by a bank? That's exactly who we're here for.
See what you qualify for in Michigan
2 minutes · no credit impact · a specialist follows up fast.
Why borrowers in Michigan choose Fetti for first-time homebuyer loans
As little as 3–3.5% down (or $0 on VA/USDA)
Down payment assistance to cover your upfront cost
First-time-buyer programs (HomeReady, Home Possible, FHA)
Same-day pre-approval — a specialist who picks up the phone
Tell us about your deal. 2 minutes, no credit impact.
We match you to the right first-time homebuyer loans structure for Michigan.
A specialist reaches out fast with your options.
Close and fund your deal.
First-Time Homebuyer Loans in Michigan — FAQ
Do I really need 20% down to buy my first home in Michigan?
No — that's the biggest myth in home buying. Most first-time buyers put 3% down on a conventional loan or 3.5% on FHA, and down payment assistance can cover most or all of even that. VA and USDA can be $0 down if you're eligible. We'll show you the real number in a 2-minute chat, with no credit impact.
What is down payment assistance?
It's help — usually from a state or county housing program — that covers part or all of your down payment and closing costs. It can be a grant you never repay, a loan that's forgiven over time, or one you repay later when you sell or refinance. We help you find the programs you qualify for and pair them with your loan. Eligibility and terms vary by program.
Does getting started hurt my credit?
No. Pre-qualifying takes about two minutes with no hard credit pull, and there's no obligation. We'll map your options — loan type, down payment, and any assistance you may qualify for.