Lana Smith
Ann Arbor, Michigan
Michigan property taxes, uncapping, and down payment assistance can change the numbers after you get the keys. I help you understand them before you make an offer.
The details that matter
Proposal A generally limits a property's taxable value increase to the lesser of 5% or inflation while it stays in the same ownership. After a sale, that cap can reset based on the home's State Equalized Value — so the seller's current bill may not be your future bill.
I help you ask the right lender questions about MSHDA's MI Home Loan, MI $10K DPA, MI Home Loan Flex, Mortgage Credit Certificates, and local or employer programs — including the limits that matter in Ann Arbor.
We map the cash you need beyond the down payment: earnest money, inspection, appraisal, prepaid taxes, insurance, and reserves — then keep the inspection, appraisal, underwriting, and closing milestones visible.
A clear sequence
The process is a series of decisions, not one giant leap. Here is how we keep it moving.
Review credit, income, and two years of documentation before you shop.
Build a payment budget that includes uncapped taxes, insurance, and reserves.
Choose a home, write a thoughtful offer, and plan for earnest money.
Look closely at the home, review disclosures, and let the appraisal inform the financing.
Finish the final walk-through, sign, then file the Property Transfer Affidavit and ask about the PRE.
A local guide with a wider lens
I’m a licensed real estate agent with Keller Williams Ann Arbor and a University of Michigan student studying Urban Technology, with a minor in Real Estate Development. I care about the practical details of a transaction — and the way homes, neighborhoods, and opportunity shape a city.
Read my storyClear numbers
Know what the home costs now — and what it may cost after closing.
Local context
Ann Arbor neighborhoods, Michigan rules, and questions worth asking.
Room to ask
A calm, practical partner from the first conversation to the final signature.
Ready when you are