Whether it’s your first place or your fifth, we’ll guide you with clarity, confidence, and care—every step of the way.

Buying a home shouldn’t feel overwhelming.

Here’s What Happens, Step by Step

We make the buying process clear, step by step — no jargon, no confusion.

5 key steps you’ll go through

  1. Get pre-approved (we’ll connect you with a local trusted lender if you want suggestions)

    1. Learn your Interest Rate, Monthly Payment, Down Payment & how much you can afford

    2. Stay away from ONLINE LENDERS

  2. Tour homes that actually fit your budget and goals

  3. Make a strong offer (with terms that protect you and your largest investment)

  4. Navigate inspections, appraisals, title insurance & financing (the details that matter are our expertise and we have done this over 650 + Times

  5. Close the deal — stress-free (get the keys and pop the bubbly)

Why Buyers Trust Us

With Mihelcic Homes, you're getting expert eyes on every detail — from red flag detection to contract negotiation.

  1. Straight talk (no pressure, no sales scripts)

  2. Hyper-local knowledge (taxes, schools, hidden gems)

  3. Expert offer strategy (especially in competitive markets)

  4. Full support through the entire process

  5. Fast communication, always

Understanding Financing

Worried About the Loan Side?

We’ll help you understand how financing works today — what’s changed, what to expect, and how to avoid costly mistakes.

We’ll also connect you with local lenders we trust (and use ourselves) who explain everything in plain English.

Types of Financing

  1. Conventional Loans – Bank-backed, typically require 3–20% down.

  2. FHA Loans – 3.5% Down Payment, Government-backed, more flexible credit requirements.

  3. VA Loans – 0% Down Payment, Available to veterans, often with no down payment.

  4. USDA / Rural Loans – 0% Down Payment, Available to rural areas, often with no down payment.

  5. Homebuyer Grants/Assistance Programs – May help cover down payments or closing costs, especially for first-time buyers.

  6. Paying Cash – Speeds up closing and strengthens negotiations.