Loan Officer at Planet Home Lending
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Today's buyers are constantly being told, you make too much money. You don't make enough money.
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You need more of a down payment. Your debt-to-income ratio is too high. You don't qualify. Or even worse.
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You almost qualify.
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So, after hearing that several times, a lot of people just simply give up.
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Because most traditional home buyer programs were built around restrictions. They have income limits, geographical limits, lower debt-to-income ratio caps, more red tape, blah blah blah. More reasons for lenders to say no.
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It's exactly why we created this program, to create more opportunities for buyers who may have been overlooked by traditional financing options.
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What this means for you, as a qualified buyer under our program, with down payment assistance, you may have access to 100% financing options.
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No traditional income restrictions. Heck, you can make a million dollars. We'll still give you down payment assistance. No geographical limitations. So you buy what you want. And in many cases, little to no out-of-pocket costs. In many cases.
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Zero money from the borrower at closing. So instead of automatically saying, no.
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We built a program designed to explore more ways to say yes, because many buyers today are much more closer to homeownership than they really think. Especially buyers who have assumed, I haven't saved enough.
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Buying just isn't realistic for me anymore. I make too much money for down payment assistance, or you've already been told no or been turned down.
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That's why we created our down payment assistance program, people. Not to pressure you into making a move, not to convince you into rushing into a decision, but to help you better understand what options are actually available for your situation. Because the right financial strategy can completely change what's possible.
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That is the goal around creating this plan.
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Giving you guys a timeline that works for you on your financial situations that meets your goals. So, take a few minutes and explore this page and the information on it, and if you'd like to review your options, schedule a quick call. No pressure, no stress, no obligations. Just a smart conversation about what may be possible for you today. Talk to you soon.
Today’s market has convinced many buyers that they need:
But in many cases, that simply isn’t true.
Outdated assumptions, restrictive financing programs, rising rents, and increasing affordability pressures have led many qualified buyers to believe homeownership is further away than it may actually be.
That’s why modern financing strategies are evolving, and we offer:
➡️ 100% financing options
➡️ No income restrictions
➡️ No geographic limitations
➡️ And more flexible pathways designed to help qualified buyers move forward with greater confidence.
Many buyers are surprised to learn they may have more options, flexibility, and affordability opportunities available than they originally thought.
This page was designed to help you better understand what may be possible and how modern financing strategies are helping more buyers move forward in today’s market. Chances are, you may be much closer to homeownership than you think, even if you’ve been told “no” before.
It’s believing homeownership is still possible in today’s market.
After hearing conflicting advice, rising rates, and constant negative headlines, many buyers feel stuck, unsure whether they’re already too late or if they should keep waiting.
You still need:
But many buyers are being disqualified because of outdated program restrictions, not because homeownership is impossible for them.
That’s the difference.
They’re waiting because they’ve been told:
But while they wait:
The right financing strategy can make a bigger difference than most buyers realize.
Because we handle the process internally, we’re able to:
Find out what may actually be possible based on your situation.
➡️ That’s exactly why we recommend scheduling a strategy call.
We’ll walk through your scenario together, review available financing options, and help you better understand which solutions may align with your income, financial profile, and long-term goals, with no pressure or obligation.
If you have questions about:
➡️ 100% Financing Programs
➡️ Low Down Payment Solutions
➡️ Buyer Assistance Programs
➡️ Flexible Qualification Options
➡️ Affordable Home Financing Strategies
My team and I are here to help guide you through the process and help you better understand what may be possible for your situation.
We’re here to help you every step of the way, so don’t hesitate to Contact Us.
If you’re ready to take the next step, simply click the link below to submit your application.
Once we receive your information, my team and I will review it and reach out to schedule your personalized consultation to discuss your options and next steps.
➡️ Submit Your Application Here
➡️ Schedule Your Strategy Call Here
Best regards,
Michael Thayer, CMPS, CMA
NMLS #173264
“Mike is amazing at what he does. I’ve worked with him on multiple deals over the last 10 years, and his attention to detail and depth of knowledge have made a real difference for us more than once. He’s thorough, knowledgeable, and someone you can trust to get things done right. I highly recommend working with Mike—you won’t be disappointed.”
shaun o
“I can’t say enough good things about Michael Thayer at Planet Home Lending. He went above and beyond throughout my entire cash-out refinance and made the process as smooth and straightforward as possible. What really stood out to me was that his help didn’t stop with the refinance. I’m also working through a VA loan assumption that Michael isn’t even responsible for, yet he has continued to answer questions, help me understand the process, and provide documents and guidance whenever he can. Michael has also been great about giving me sound financial advice without ever making me feel pressured. He takes the time to explain all of my options, the pros and cons of each, and lets me make the decision that works best for me. It’s rare to find someone who continues helping even when there’s nothing in it for them. Michael genuinely seems to care about his clients and their long-term financial goals. I would absolutely recommend him to anyone looking for a knowledgeable, responsive, and trustworthy lending professional.”
larry m
“Mike is by far the most professional & knowledgeable person in the financial & mortgage business I have ever met. Regardless of the circumstances, he always finds a way to help us. I highly recommend him.”
mark s
“Mike made the whole process so easy! Will definitely use him again for my next loan.”
michael h
“I am a real estate agent and Michael was "on it" from day one! He kept me, my Buyer and the listing agent updated on ALL progress all throughout the entire transaction process. I never had to worry about what was happening, had the appraisal been ordered, where we were in the process, etc. He took that entire load off my plate and got us a clear to close ahead of schedule and closed on time! Fantastic, Seamless, Worry Free Process! Would 110% use him again!”
tdl p
“Just a brilliant person and professional. Fought for us to get our properties and delivered what he promised. We call him Magic Mike for a reason”
johan a
“We had Michael Thayer refinance our loan a couple of times. He got us exceptional rates. He is extremely easy to work with and a highly motivated individual who is very knowledgeable in his field . We were very impressed with his expertise.”
valerie t
“Michael did a fantastic job! As a new homebuyer, I was completely lost with the loan process. He took the time to walk me through it step-by-step. Because of his work, I felt confident in the decisions I made. Moreover, I knew if I had questions he was there at a moment’s notice with the answers.”
samuel s
“We've known Michael Thayer for many years and have had the opportunity to work with him on countless real estate transactions. Michael is one of those lenders who is always on top of the details, thinks outside the box, and consistently goes above and beyond to make sure his clients are taken care of and their transactions close on time. His experience with all types of real estate transactions and lending scenarios is second to none, and when an unusual issue comes up, he’s usually already thinking three steps ahead about how to solve it. He’s knowledgeable, responsive, dependable, and genuinely cares about getting the best result for his clients. We would highly recommend Michael to anyone looking for an experienced mortgage professional who knows how to get deals done.”
midtown t