My Approach

How Buying With Me Works

Buying a home should feel like a decision-making process, not a sales process. We start with the numbers, evaluate homes with a clear strategy, and build an offer that makes sense for you.
01
Numbers First
Before we start touring, we figure out what you're actually comfortable spending, what the monthly payment looks like, and how taxes, insurance, cash to close, and your next move fit together.
02
Smart Showings
I'm not there to sell you the house. I'm there to help you evaluate it. We separate cosmetic issues from real concerns and look at the property, location, value, condition, and long-term fit.
03
Strong Offers
Price is only one part of an offer. We look at comps, competition, seller priorities, inspection terms, appraisal, timing, occupancy, and risk before deciding what gives you the best shot without making a bad decision.
The goal isn't just to get you under contract. It's to help you understand the decision you're making and feel good about it after the keys are in your hand.
820 E 2nd St, Royal Oak
Royal Oak, MI
A real transaction
Two kids, one bridge loan, and a move that actually made sense.

Referred by her mom, who I helped buy and sell years earlier. She and her husband were relocating from Plymouth with their two kids to be closer to family. That meant selling one house and closing on another in the right sequence. We used a bridge loan to make it work without the pressure of a contingent offer.

Royal Oak. Done right.
Free Buyer Resource

The Practical Buyer Guide

How to buy smart without regretting it later.
A practical, no-pressure guide to understanding your numbers, evaluating homes, writing smarter offers, navigating inspections and appraisal, and knowing what happens after closing.
Know what you can comfortably afford
Understand how to evaluate a house
Build a smarter offer
Avoid common buyer mistakes
Get the Free Buyer Guide →
Free access. No pressure. Just practical guidance.
Run the Numbers Before You Tour

Know the payment before you fall for the house.

Price is only the starting point. Use these tools to estimate the monthly payment and find a range that actually feels comfortable before you begin touring.

Mortgage Payment Calculator
See how a home price, down payment, rate, taxes, and insurance may translate into a monthly payment.
Affordability Calculator
Start with the payment you want to carry and estimate the purchase range that may fit it.
Calculator results are estimates for planning purposes and may not include every loan cost, fee, tax adjustment, or insurance expense.
Estimate Property Taxes

The list price is not the whole monthly payment.

Property taxes can vary significantly by municipality, school district, millage rate, taxable value, and principal-residence status. Estimate them before you make an offer so you have a clearer picture of the payment you may actually carry.

SEV vs. Taxable Value
State Equalized Value is generally 50% of a property’s true cash value. Taxable value is the figure used to calculate the tax bill. After a qualifying transfer, taxable value may uncap in the following tax year.
Location Changes the Rate
Millage rates differ by city, township, village, school district, and other taxing authorities. Two similarly priced homes nearby can still have noticeably different tax estimates.
Run the official estimate
Use Michigan Treasury’s property-tax estimator to compare estimated taxes and local millage rates.
Estimate Property Taxes
Opens the official State of Michigan estimator
Estimates are for planning purposes only. Final taxes depend on the local assessor, applicable millage rates, exemptions, and the property’s taxable value.
A real transaction
A pipe burst mid-contract. We closed anyway.

Referred by my sister in law, this was his first home. He did his homework, searched a long time, and finally found the right one in Clawson. Mid-winter, while we were under contract, a pipe burst in the attic and flooded the home. The seller handled it right. Flooring, kitchen, pipes, all of it repaired. It took patience from everyone involved. We closed. He is happy.

Clawson. First home. Done right.
Clawson, MI
Clawson, MI
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Next Step

Every house looks good online. Not every house is a good decision.

If you've found a home you like, let's talk through it. We'll look at the price, the neighborhood, comparable sales, negotiation strategy, and whether it actually fits your goals. No pressure. Just clarity.

Mike Guido
REALTOR® | Mike Guido Homes
Questions are welcome, even if you're not ready to buy yet.