Client resources
Tools & Resources
Free tools to help you work out what a home actually costs in Michigan — before you talk to anyone. Everything here is an estimate, so use it to plan, not to budget to the dollar.
Written by ShaNayta (Shay) McClain, Real Estate Agent with eXp Realty, based in Waterford, Michigan. Call or text (248) 270-8529.
Work out the numbers
How Much Home Can I Afford?
Enter your income, debts, and savings to see a realistic price range before you start looking.
Mortgage Payment Estimator
A full monthly breakdown by price — principal, interest, taxes, insurance, and mortgage insurance.
Rent vs. Buy
Put your rent next to an owner's payment and see what you'd actually get back over the years.
Property Tax Estimator
Estimated yearly and monthly taxes by city, using approximate local millage rates.
Closing Cost Estimator
The cash you need at closing beyond the down payment, itemized line by line.
Know what to expect
First-Time Buyer Guide
Every step from checking your credit to getting the keys, in plain language.
Buyer Questions, Answered
How much you really need down, what an agent costs you, earnest money, inspections, and more.
Steps to Pre-Approval
What happens at each stage, the documents lenders ask for, and how long it usually takes.
Credit Score & Loan Programs
Enter your score and see which loan programs publish a minimum you meet, with each agency's requirements.
Down Payment Assistance
Official Michigan and federal programs, including MSHDA's $10,000 down payment loan.
Commute & Area Guide
Roads, approximate drive times, and parks in Waterford, Clarkston, Southfield, and Pontiac.
Local ZIP Codes
Every USPS ZIP code for Waterford, Clarkston, Southfield, and Pontiac, with homes for sale in each.
Once you're under contract
Questions? Let's talk it through.
Whatever these tools show you, call or text me and I'll walk you through your options personally — the real tax bill, a lender introduction, and what similar homes are selling for. No pressure, and no question is too small.