You searched:
“housing market too expensive can I still buy”
High prices are real, but so are the programs designed to make homeownership accessible. Between low down payment options, first-time buyer assistance, and creative financing, buying may be more achievable than today's headlines suggest.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Home prices have risen faster than wagesSolution exists
- 2Down payment required feels impossibleSolution exists
- 3Monthly payments seem unaffordableSolution exists
- 4Fear of buying at the market peakSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Low Down Payment Programs
3-3.5% down with FHA, 0% with VA and USDA. Combined with DPA grants, out-of-pocket costs shrink dramatically.
Available nowExpand Your Search Area
Areas 15-30 minutes from major cities often have 20-40% lower prices. USDA-eligible suburbs offer zero-down options.
Available nowAdjustable Rate Mortgage
A 5/1 or 7/1 ARM provides a lower initial rate, reducing your payment for the first years while you build equity.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Priced out? There may be options you have not considered.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Not necessarily. Even with high prices, mortgage payments build equity while rent builds nothing. In most markets over 5+ years, buying outperforms renting financially.
Timing the market is extremely difficult. Historically, home prices trend upward over time. Waiting can mean paying more later plus missing equity gains.
Programs like FHA, HomeReady, and USDA are specifically designed for moderate-income buyers. A pre-qualification shows exactly what you can afford.
Priced out? There may be options you have not considered.
We will reach out at a time that works for you. No pressure, no obligation.