🏡 The Simple, Straightforward Homebuyer’s Guide to Mortgages

By Mike Mills | Service First Mortgage
Clear, honest advice from someone who actually walks buyers through this every day.

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🔍 What You'll Learn

✅ What lenders really look at to approve you
✅ The 5 main loan types—explained in plain English
✅ How your payment is actually calculated
✅ Where your down payment and closing costs can come from
✅ Tips to avoid overpaying or being caught off guard

📄 Download the Full Guide

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(Or just read the highlights below.)

🧠 The Big 3 You Need to Know

1️⃣ What kind of loan are you doing—and why?

Most people end up with a Conventional or FHA loan. I help you choose based on your credit, cash, and goals. Don’t fall for the “magic program” myth.

2️⃣ How is your payment built?

Your mortgage payment is made up of:

  • Principal & Interest

  • Property Taxes

  • Homeowner's Insurance

  • Mortgage Insurance (if needed)

We’ll break down each part and help you know what you can and can’t control.

3️⃣ How much money do you actually need?

You don’t always need 20% down. I show you where your cash can come from (401k, gift funds, seller credits, etc.) and how to know what’s real.

💬 Still Have Questions?

That’s the point. If anything in this guide is unclear, reach out.
I’ll walk you through the exact numbers for your situation—no pressure.

📧 mmills@sfmc.com | 📞 817-689-6079
🌐 www.millsteammortgage.com
🎙️ Texas Real Estate & Finance Podcast

✅ Want the Refinance Guide too?

Type “homeowner” on any of my videos or social posts and I’ll send it right to you.