See What Your Michigan Numbers Support
Program and regulatory figures verified September 19, 2026. Details change; confirm your scenario with us.
Tell us the two houses and what you intend to do with the old one. We will tell you which structure works and what it protects.
What to have ready
- Roughly what your current Michigan home is worth and what you still owe.
- The price range you are shopping, and the county.
- Whether you intend to keep the departing home for sale or rent it.
- Whether you currently hold a principal residence exemption on it.
Approximate figures are fine.
What happens next
Our team reaches out shortly. We run the two-payment test, model the new home's tax line on the uncapped basis rather than the listing figure, model the departing home on its capped basis with the exemption if a conditional rescission applies, and price the rental option properly if that is on the table. You get a straight answer, including when that answer is to sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which structure fits and what the exemption is worth keeping.
Your real estate agent handles the purchase itself and your local assessor administers the exemption. We handle the financing: what you qualify for, how the equity gets used, and what the payment looks like on both houses.
Frequently asked questions
What do you need from me on a first call?
Approximate value and balance on your current Michigan home, the price range and county you are shopping in, your income picture, and whether you intend to keep the departing home for sale or rent it. That last one matters more in Michigan than anywhere else we work.
Will you model the property tax correctly?
Yes, and in Michigan that means two different calculations. The new home is modelled from state equalized value because it uncaps the year after purchase; the departing home is modelled on its current capped basis, with the principal residence exemption if a conditional rescission applies.
How quickly will someone respond?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Principal residence exemption eligibility and conditional rescission rules depend on your facts; your local assessor, your CPA or a Michigan attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.