The First-Time Home Buyer Playbook

Thinking about buying your first home but not sure where to start? Most first-time buyers count themselves out because of something they heard, like "you need 20% down," "you need perfect credit," or "you need years of savings." Usually, none of that is true.

This 25-page Playbook walks you through every step in plain English, so you know exactly where you stand and what to do next.

Inside you'll learn:
✅ The biggest home buying myths, and the facts
✅ Renting vs. owning: an honest look
✅ How much home you can actually afford
✅ The real cash you'll need, and ways to bring less to closing
✅ Low and no down payment options compared side by side
✅ Mississippi down payment assistance programs
✅ How to read your credit report and get it buyer-ready
✅ The full process: pre-approval, offer, inspection, appraisal, closing day
✅ What NOT to do while you're buying
✅ Your first year as a homeowner
✅ Answers to the questions first-time buyers ask most

Self-employed or seasonal work? There are options for you too.

Written by Michael Sumrall of American Home Lending USA, a local expert who lives and works in South Mississippi.

Your first home is closer than you think.
Download it free, read it at your own pace, and reach out whenever you're ready.

Michael Sumrall, NMLS #1689367 | American Home Lending USA | Equal Housing Lender. For general education only.