First-time buyers · Oakland, Macomb & Wayne counties
Buy Your First Home in Metro Detroit
You get a real budget, a pre-approval letter sellers take seriously, and someone who picks up the phone. I’m Ryan Stanek, a Licensed Mortgage Loan Originator with Edge Home Finance, LLC. Edge is a mortgage broker, so I shop your loan across many wholesale lenders instead of handing you one bank’s menu.
There is no cost to find out where you stand.
What You Get
The short answers, up front.
A Number You Can Trust
A pre-approval based on your real income, credit, and savings. Not a guess, and not a range that falls apart at the offer table.
Programs Built for First-Time Buyers
FHA, conventional with low down payment options, VA if you served, and Michigan down payment assistance. I’ll tell you which ones you actually qualify for.
Straight Answers About Cost
What you need up front, what your monthly payment covers, and what closing day looks like. In plain English, before you commit to anything.
Someone Who Answers
Call or text (248) 719-2818, or email ryan.stanek@edgehomefinance.com. I respond the same business day.
No Cost to Start
Reviewing your options and getting pre-approved costs nothing. There is no obligation to move forward.
Many Lenders, One Contact
A bank sells its own products. Edge Home Finance, LLC is a mortgage broker, so I compare programs across many wholesale lenders and handle the paperwork myself.
What First-Time Buyers Say
“As a first-time homebuyer in Metro Detroit, I wasn’t sure if I would qualify — but Ryan helped me use a down payment assistance program and secure an FHA home loan with low money out of pocket. He explained my credit, debt-to-income ratio, and the pre-approval process in a way that was easy to understand. If you’re looking for a knowledgeable mortgage lender who truly understands first-time buyers, I highly recommend Ryan.”
Nate C. · Google review
“Ryan made my mortgage process in Ferndale absolutely seamless! From pre-approval to closing, he explained all of my options for my conventional home loan and kept me updated at every step. If you’re looking for a knowledgeable Metro Detroit mortgage loan officer with outstanding communication, I couldn’t recommend him more!”
Mitchell M. · Google review
Where I work
Metro Detroit, and the 3 Counties I Know Best
I’m based in Rochester. Most of my first-time buyers are purchasing within about an hour of it.
Oakland County
Royal Oak, Troy, Rochester Hills, Ferndale, Novi, Farmington Hills. A wide spread of price points, and the county where most of my first-time buyers land.
Macomb County
Sterling Heights, Warren, Clinton Township, St. Clair Shores. Often the strongest match for buyers who want more house for the budget.
Wayne County
Detroit, Livonia, Dearborn, Grosse Pointe. Several neighborhoods here qualify for down payment assistance that buyers don’t know exists.
The process
5 Steps from First Call to Keys
Get Pre-Approved
A short review of your income, credit, and goals. You learn your real budget before you start looking.
Shop with Confidence
House-hunt with a pre-approval letter. Sellers in this market take those offers seriously.
Make Your Offer
When you find the one, I structure the loan and we lock in the plan.
Underwriting
I manage the paperwork and keep it moving. You hear from me at every step, not just at the end.
Close and Move In
Sign, get your keys, and keep my number. I’m still here after closing.
Loan Programs
11 programs. These are the 6 that first-time buyers ask about most.
FHA
Built to make a first purchase reachable. More flexibility on credit history than conventional.
Down Payment Assistance
Michigan programs that help with the down payment and closing costs.
Conventional
Low down payment options for buyers with solid credit, and mortgage insurance you can remove later.
Self-Employed
Bank statement programs that qualify you on deposits instead of tax returns.
Ready to Start?
Tell me your goals. I’ll reach out the same business day. This doesn’t pull your credit or start an application.