Tim Bender, TLB Realty LLC

Tim Bender, TLB Realty LLC Real Estate Sales & Property Management

06/04/2026
05/31/2026

Your First 365 Days in Real Estate – Full Audiobook Summary & Key TakeawaysStart your real estate career the right way! πŸ“ˆIn this full audiobook summary of β€œ...

Andrew, Welcome home.
05/30/2026

Andrew, Welcome home.

Are you looking to make a change?
05/28/2026

Are you looking to make a change?

Real Estate School in Michigan - The leaders in Real Estate, Mortgage, Builder, Appraisal, Broker and Home Inspection Training Education Since 1985.

05/12/2026

🏑 MICHIGAN DOWN PAYMENT ASSISTANCE PROGRAMS FOR HOMEBUYERS 🏑

Most homebuyers think they need 20% down to buy a home.
That is NOT true.

Michigan offers several programs that can help with:
βœ… Down payment
βœ… Closing costs
βœ… Lower upfront cash needed

Here are some of the most common programs available in Michigan:

πŸ”Ή MSHDA MI 10K Down Payment Assistance

πŸ’° Up to $10,000 assistance statewide

βœ” Can be used for:

Down payment
Closing costs
Prepaid taxes & insurance

βœ” 0% interest deferred loan
βœ” No monthly payment
βœ” Must use a MSHDA-approved lender

πŸ“Œ Minimum Credit Score:

640 for most homes
660 for manufactured homes

πŸ“Œ Works with:

FHA
Conventional
VA
USDA Rural Development loans

πŸ”Ή MSHDA First-Generation Homebuyer Program

πŸ’° Up to $25,000 assistance

Designed for first-generation homebuyers.

πŸ“Œ Minimum Credit Score:

640

πŸ“Œ Requirements may include:

First-time buyer
Income limits
Homebuyer education course

⚠ Funding availability may change as programs reopen or refill.

πŸ”Ή FHA Loans

Popular for first-time buyers with lower credit scores.

πŸ“Œ Minimum Credit Score:

580 = 3.5% down
500–579 = usually 10% down

πŸ“Œ Can often be combined with MSHDA assistance.

πŸ”Ή USDA Rural Development Loans

Great option for rural Michigan areas.

βœ… ZERO down payment possible

Many rural areas in Michigan qualify.

πŸ“Œ Typical Credit Score:

Usually 580–640 depending on lender

πŸ“Œ Works well with:

Rural homes
Small towns
Lower down payment buyers

πŸ”Ή VA Loans (Veterans & Active Military)

βœ… ZERO down payment possible

πŸ“Œ Typical Credit Score:

Usually around 580–620 depending on lender

πŸ“Œ Available to eligible:

Veterans
Active military
Some surviving spouses

πŸ”Ή Local City & County Programs

Some Michigan cities and counties also offer:
🏑 Forgivable loans
🏑 Grants
🏑 Closing cost assistance

Examples include:

Detroit
Wayne County
Grand Rapids
Kalamazoo

Programs change often based on funding.

πŸ“Œ Important Things Buyers Should Know

βœ” Most programs require:

Income limits
Primary residence occupancy
Homebuyer education class
Approved lender participation

βœ” Many buyers can combine:

FHA + MSHDA
USDA + MSHDA
Conventional + DPA

βœ” The RIGHT lender matters.
Not every lender understands down payment assistance programs.

Tim Bender, TLB Realty LLC

05/12/2026

🏑 Thinking About Buying?

You may qualify for:
βœ… Low down payment
βœ… Zero down payment
βœ… Closing cost help
βœ… First-time buyer assistance

Many buyers qualify and never realize it.

If you would like help connecting with lenders and programs available in Michigan, reach out to a local real estate professional familiar with MSHDA and down payment assistance options.
Tim Bender, TLB Realty LLC

Lawn care.Tim Bender, TLB Realty LLC
05/02/2026

Lawn care.
Tim Bender, TLB Realty LLC

Exactly what to do your first year as a realtor.Tim Bender, TLB Realty LLC
05/02/2026

Exactly what to do your first year as a realtor.
Tim Bender, TLB Realty LLC

92 likes, 24 comments. "Exactly what to do your first year as a realtor"

03/30/2026

Lawn Care Needed!

Looking for a reliable, long-term lawn care and snow removal company to service multiple rental properties in the area.

Scope of Work:
🌱 Weekly lawn mowing & trimming during the season
❄️ Snow plowing & sidewalk clearing in winter
🧹 General exterior upkeep as needed

If you or someone you know is interested, please DM me or comment below with your contact info and a little about your business.
Tim Bender, TLB Realty LLC

Call now to connect with business.

Sold!Tim Bender, TLB Realty LLC
02/28/2026

Sold!
Tim Bender, TLB Realty LLC

Address

1360 W Maumee Street
Adrian, MI
49221

Website

https://timbender.tlbrealty.com/

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