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It depends on the loan: FHA allows down to 580 with 3.5% down; VA loans (for veterans) require no down payment and have no monthly mortgage insurance; conventional loans start at 3% down for qualified buyers through HomeReady/HomePossible. A mortgage broker can run your scenario across dozens of lenders — one "no" is not a "no" from all.

As little as 3–3.5% of the purchase price with FHA or conventional low-down-payment programs, and 0% with VA. On a $200,000 Detroit home, that's roughly $6,000–$7,000 down plus closing costs — and down payment assistance programs can cover part of it.

A bank offers only its own loan products at its own rates. A mortgage broker — like Nina Henderson-Myers at Legacy Equity Solutions — submits your application to dozens of wholesale lenders and finds the best combination of rate, fees, and guidelines for your situation. One application, many lenders competing.

A free valuation/consultation looks at recent comparable sales, condition, and your local market — not just an automated estimate — so you price it right from the start.

Yes. Sellers take pre-approved offers seriously, it sets your true budget, and since I handle both the real estate and the mortgage side, your offer and your financing move together.

Most closings run 30–45 days once you're under contract. Selling timelines depend on pricing and condition; a consultation up front maps out your specific timeline before you list or offer.

Every file is different, but many clients see movement within the first 30–90 days as inaccurate items are disputed and removed. A full rebuild takes consistent habits over several months — the goal is a score that holds up at underwriting, not a quick spike.

You can dispute errors on your own. Where a specialist helps is the strategy: what to dispute first, how to handle collections and utilization, and sequencing it all so your score is mortgage-ready when you apply.

Not always — some scoring models barely reward paying an old collection, and the wrong payment can restart reporting on a stale debt. Get a plan before you pay anything, so every dollar actually moves your score.