First Commerce Financial, LLC.

Arizona MB #1001354, Florida, Michigan & Texas Mortgage Broker. 50+ years experience. Call us with any questions @ 248-207-2404. NMLS #137512

[First Commerce Financial, LLC. @FirstCommerceFi]

What Is a Home Inspection? What It Costs in 2026 and How the Results Can Change Your Purchase Agreement

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[First Commerce Financial, LLC. @FirstCommerceFi]

Here's what's actually going on, which communities are most exposed, and what it means for your mortgage.

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[First Commerce Financial, LLC. @FirstCommerceFi]

It's the policy most homebuyers don't think about until a lender tells them they need it, and by then it's a surprise line item in the monthly payment. Here's the whole picture in plain English...

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[First Commerce Financial, LLC. @FirstCommerceFi]

📢 Did you buy a home recently? You may be eligible for a payment from a class action settlement.
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[First Commerce Financial, LLC. @FirstCommerceFi]

USDA loans are one of only two mortgage programs in the country that offer true 100% financing — zero down payment.

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[First Commerce Financial, LLC. @FirstCommerceFi]

Got a low rate from 2020-2022? Don't refinance it away. If you have a lump sum sitting in savings, a mortgage recast can lower your payment permanently — same rate, same term, no closing costs. Just a $150-$500 fee. $50K toward principal = $348/mo saved.
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[First Commerce Financial, LLC. @FirstCommerceFi]

Most people don't know their DTI — but it's the #1 number lenders use to decide how much house you qualify for.

Quick tip: paying off just a $100/month debt can add up to $15,000–$20,000 to your purchase price. 📊

See your exact DTI free, instantly 👇

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[First Commerce Financial, LLC. @FirstCommerceFi]

Here's seller concessions explained the way it should have been explained to you the first time — no jargon, no fine print, just what it actually is and how much you can actually ask for

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[First Commerce Financial, LLC. @FirstCommerceFi]

Before you list, the most important question isn't what your house will sell for — it's how much money you'll actually walk away with.

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[First Commerce Financial, LLC. @FirstCommerceFi]

Buying a vacation home in Florida? 🌴

Most buyers don't know:
🏝️ No homestead exemption on 2nd homes
📈 Taxes can jump up to 10%/yr (vs 3% cap on primary homes)
🌀 Insurance is often the biggest surprise cost
What you actually need to know for 2026 👇
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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

When Ken or Kirk walks through the spreadsheet on a Zoom call, they are doing two things simultaneously: explaining the options and reading the room

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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

Run the numbers before you make a move. All calculators are free and interactive — no download or sign-up required.

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[First Commerce Financial, LLC. @FirstCommerceFi]

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[First Commerce Financial, LLC. @FirstCommerceFi]

The transparency gap — what shows up on your Loan Estimate

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[First Commerce Financial, LLC. @FirstCommerceFi]

Loan A vs. Loan B Calculator — True Side-by-Side Loan Comparison

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