Sold'Buy'Steve

Michigan real estate. Mortgage expertise. One trusted advisor.

Buy it. Sell it. Finance it.

I'm Steve Saleh, a Realtor® with ARG Realty in Dearborn and a mortgage loan originator. For more than 20 years I've helped Michigan families buy, sell, invest and finance, and I explain every step in plain English along the way.

Start your home search Get my home's value

Under one roof

Three services, one point of contact

Most people juggle an agent and a separate lender who never talk to each other. Here the search, the sale and the financing move together.

Finance

I'm also a mortgage loan originator (NMLS 2143251), so your agent and your loan officer are the same person.

  • Pre-approval before you start touring
  • Loan options explained side by side
  • Financing kept in step with your contract dates

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About Steve

Your trusted Michigan real estate expert

Steve Saleh, Realtor and mortgage loan originator Read client reviews

My philosophy is simple: Educating Clients and Delivering Results.

I'm Steve Saleh, a Realtor® with ARG Realty in Dearborn, Michigan. With over 20 years of experience and hundreds of real estate transactions, I bring extensive knowledge of buying, selling, investing, property valuation, negotiations, and mortgage financing to every client I represent.

For sellers, my focus is maximizing property value through strategic pricing, aggressive marketing, and skilled negotiation. For buyers, it's about protecting your interests, identifying opportunities, avoiding costly mistakes, and making smart financial decisions. For investors, I bring firsthand knowledge of property acquisitions, investment analysis, the BRRRR method, creative ways of purchasing properties with $0 out of pocket, and building long-term wealth through real estate.

As a licensed Mortgage Loan Originator (NMLS #2143251), I also understand the financing behind the transaction—from purchases and refinancing to investment loans. My clients benefit from one experienced advisor who understands the market, the property, the numbers, and the entire process.

Who I help

Covered from A to Z

First-time buyers

Never done this before? Good. We start with how the process works, what it costs and what you can afford, before you look at a single house.

Home sellers

First sale or fifth, we start with what your home is worth today. Then I build the plan to prep it, price it and market it, and I negotiate every offer through to closing. Our sellers are regularly getting their asking price or more.

Find out what your home is worth

Investors

Rentals, flips and portfolio growth. We run the numbers on a property first and talk about the paint colors later. I can teach you how to use the BRRRR method and buy a home with $0 out of pocket.

Veterans

You earned your VA home loan benefit. I help you understand it and use it, from eligibility questions to closing day.

Property owners

Property management for owners who want the rent collected and the building looked after without the daily phone calls.

How it works

Four steps to the closing table

  1. Talk

    A short conversation about where you are, where you want to be and when.

  2. Plan

    Buyers get pre-approved. Sellers get a pricing and prep plan. Everyone gets a timeline.

  3. Move

    We tour and write offers, or we list and market. You hear from me at every turn.

  4. Close

    Inspection, appraisal, loan and paperwork handled together, so you know what to expect on closing day.

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Listing process, A to Z

Selling your home, step by step

This is the complete process I follow as your listing agent: 70 steps in 5 phases, from the first phone call to after closing. Open any phase to see each step.

What's my home worth?Book a timeSee the buying process
Phase 1Seller Consultation & Listing PreparationSteps 1–20
  1. Receive Seller InquiryCollect property information, contact details, motivation, and selling timeline.
  2. Conduct Preliminary Property ResearchReview ownership records, property taxes, MLS history, and comparable properties.
  3. Prepare Comparative Market AnalysisAnalyze recent sales, active listings, and market conditions.
  4. Schedule Listing AppointmentMeet with the seller to discuss the property and selling process.
  5. Tour and Evaluate PropertyAssess condition, improvements, features, and potential concerns.
  6. Present Listing Marketing PlanExplain your pricing, photography, advertising, and selling strategy.
  7. Recommend Listing PriceEstablish a competitive asking price based on market data.
  8. Prepare Seller Net SheetEstimate closing costs, commissions, mortgage payoff, and net proceeds.
  9. Explain Agency and CompensationReview representation responsibilities and negotiable brokerage fees.
  10. Execute Listing AgreementObtain signatures authorizing the brokerage to market the property.
  11. Obtain Seller DisclosuresComplete applicable Michigan property and lead-based paint disclosure requirements.
  12. Verify Ownership and Authority to SellConfirm legal ownership and identify all required signatories.
  13. Discuss Mortgage and Lien ObligationsIdentify mortgages, HELOCs, judgments, or other potential encumbrances.
  14. Create Listing Preparation PlanRecommend cleaning, staging, repairs, and improvements.
  15. Schedule Professional PhotographyArrange photos, video, floor plans, or other marketing materials.
  16. Obtain Property Measurements and DetailsVerify square footage, room dimensions, features, and property information.
  17. Prepare MLS ListingEnter accurate property information into Realcomp.
  18. Review MLS Information With SellerConfirm listing details, pricing, and marketing instructions.
  19. Install Yard Sign and LockboxPrepare the property for marketing and authorized showings.
  20. Activate Listing in RealcompPublish the listing according to MLS and brokerage requirements.
Phase 2Marketing, Showings & OffersSteps 21–32
  1. Publish Property MarketingAdvertise through approved websites, social media, and other marketing channels.
  2. Announce New ListingPromote the property to your database, agents, and prospective buyers.
  3. Schedule Open HouseOrganize an open house when appropriate.
  4. Manage Showing RequestsCoordinate appointments and access with agents and the seller.
  5. Collect Showing FeedbackGather buyer reactions and identify recurring concerns.
  6. Update Seller RegularlyReport showings, inquiries, competing properties, and market activity.
  7. Monitor Pricing PerformanceRecommend price adjustments based on market response.
  8. Present All OffersDeliver offers promptly and explain the proposed terms.
  9. Prepare Offer ComparisonCompare purchase prices, financing, contingencies, and estimated net proceeds.
  10. Negotiate Offer TermsNegotiate price, repairs, contingencies, closing date, and possession.
  11. Obtain Executed Purchase AgreementSecure the completed agreement signed by all required parties.
  12. Update MLS StatusChange the listing status according to Realcomp requirements.
Phase 3Under Contract & Transaction CoordinationSteps 33–50
  1. Open Transaction FileOrganize the purchase agreement and required brokerage documents.
  2. Calendar Contract DeadlinesTrack earnest money, inspection, appraisal, financing, and closing deadlines.
  3. Deliver Contract to Title CompanyOpen the settlement file and begin title processing.
  4. Confirm Buyer's Earnest Money DepositVerify the deposit was received by the authorized holder.
  5. Verify Buyer Financing ProgressMonitor mortgage processing through the buyer's agent and lender as authorized.
  6. Coordinate Inspection AccessArrange property access for inspectors.
  7. Review Inspection RequestsDiscuss buyer repair requests and inspection findings with the seller.
  8. Negotiate Inspection ResolutionReach an agreement regarding repairs, credits, or other contract modifications.
  9. Coordinate Agreed RepairsSchedule contractors and obtain receipts or completion documentation when required.
  10. Coordinate Appraisal AccessArrange access and provide relevant factual property information.
  11. Address Appraisal IssuesDiscuss options if the appraisal is below the contract price.
  12. Review Title CommitmentIdentify title issues, liens, and outstanding requirements.
  13. Obtain Mortgage Payoff InformationCoordinate payoff statements and authorizations through title.
  14. Resolve Title IssuesWork with title professionals to address liens, judgments, or ownership problems.
  15. Confirm Municipal RequirementsCheck applicable city inspections, certificates, water bills, and transfer requirements.
  16. Track Financing ContingencyMonitor the buyer's financing deadlines and approval progress.
  17. Verify Possession TermsConfirm move-out timing and any post-closing occupancy arrangements.
  18. Confirm Buyer's Financing ReadinessRequest updates on loan approval and anticipated closing.
Phase 4Closing PreparationSteps 51–61
  1. Confirm Closing AppointmentCoordinate closing date, time, location, and signing arrangements.
  2. Review Seller Settlement StatementVerify sale price, payoffs, commissions, credits, prorations, and proceeds.
  3. Confirm Outstanding RepairsEnsure negotiated repairs are completed and documented.
  4. Confirm Property ConditionRemind the seller of contractual obligations regarding condition and included items.
  5. Coordinate Final WalkthroughArrange buyer access shortly before closing.
  6. Resolve Walkthrough ConcernsAddress outstanding property or repair issues before closing.
  7. Verify Seller Identification and Signing RequirementsConfirm identification and any special title signing requirements.
  8. Confirm Utilities and OccupancyCoordinate utility transfers and the seller's moving schedule.
  9. Coordinate Keys and Access DevicesCollect keys, garage remotes, and access information for possession.
  10. Attend Seller ClosingAssist the seller and coordinate questions with title professionals.
  11. Verify Closing and FundingConfirm the transaction is completed and funds are disbursed.
Phase 5Post-ClosingSteps 62–70
  1. Confirm Seller ProceedsVerify the title company has processed the seller's disbursement.
  2. Coordinate Possession and KeysEnsure possession transfers according to the agreement.
  3. Update MLS to SoldEnter the final sales information within applicable MLS deadlines.
  4. Remove Sign and LockboxArrange removal of marketing materials and showing equipment.
  5. Confirm Brokerage CommissionVerify commission payment and brokerage processing.
  6. Finalize Compliance FileSubmit closing documents and complete brokerage recordkeeping.
  7. Send Seller Closing Package and Thank-YouProvide closing records and thank the seller for their business.
  8. Request Review or ReferralAsk for feedback and referrals from satisfied clients.
  9. Add Seller to Follow-Up ProgramMaintain contact for future business, repeat transactions, and referrals.

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Buying process, A to Z

Buying your home, step by step

This is the complete process I follow as your buyer's agent: 52 steps in 5 phases, from the first conversation to after you have the keys. Open any phase to see each step.

Apply for a mortgageBook a timeSee the listing process
Phase 1Buyer Consultation & PreparationSteps 1–9
  1. Receive Buyer InquiryCollect contact information, buying timeline, price range, and preferred locations.
  2. Conduct Buyer ConsultationDiscuss property requirements, purchasing goals, and expectations.
  3. Explain Agency RepresentationReview your responsibilities, services, and compensation.
  4. Execute Buyer Representation AgreementObtain signed agreement establishing representation and compensation.
  5. Obtain Mortgage PreapprovalConfirm the buyer qualifies for financing through a lender.
  6. Verify Financial ReadinessDiscuss down payment, closing costs, earnest money, and monthly payments.
  7. Set Up MLS Property AlertsCreate automated Realcomp searches matching buyer criteria.
  8. Schedule Property ShowingsArrange appointments for properties the buyer wants to see.
  9. Tour and Evaluate PropertiesReview condition, features, location, and resale potential.
Phase 2Offers & NegotiationsSteps 10–17
  1. Prepare Comparative Market AnalysisAnalyze comparable sales to determine a reasonable offer price.
  2. Review Offer StrategyDiscuss price, contingencies, earnest money, closing date, and possession.
  3. Prepare Purchase AgreementDraft the offer using appropriate purchase documents and addenda.
  4. Review Documents With BuyerExplain contract terms, contingencies, and important deadlines.
  5. Obtain Buyer SignaturesHave the buyer sign all required offer documents.
  6. Submit Purchase OfferDeliver the completed offer to the listing agent.
  7. Negotiate CounteroffersWork toward mutually acceptable price and contract terms.
  8. Obtain Fully Executed AgreementConfirm all parties have signed and accepted the agreement.
Phase 3Under Contract & Transaction CoordinationSteps 18–36
  1. Open Transaction FileCreate a file containing the contract and all supporting documents.
  2. Calendar Contract DeadlinesTrack earnest money, inspections, financing, appraisal, and closing dates.
  3. Confirm Earnest Money DepositVerify the deposit was delivered to the designated holder on time.
  4. Send Contract to LenderProvide the executed agreement so mortgage processing can begin.
  5. Send Contract to Title CompanyOpen the title and settlement file.
  6. Schedule Home InspectionArrange inspection within the contractual inspection period.
  7. Review Inspection FindingsDiscuss deficiencies, repairs, and potential concerns with the buyer.
  8. Negotiate Inspection ResolutionRequest repairs, credits, or other solutions when appropriate.
  9. Obtain Signed Inspection AddendumDocument agreed inspection resolutions in writing.
  10. Confirm Seller DisclosuresVerify delivery of required property and lead-based paint disclosures.
  11. Review Title CommitmentCheck for liens, easements, ownership issues, and title requirements.
  12. Monitor Mortgage ProcessingFollow up with lender regarding underwriting and outstanding conditions.
  13. Coordinate AppraisalConfirm the lender has ordered the appraisal and arranged access.
  14. Address Appraisal IssuesNegotiate or review contractual options if the appraisal comes in low.
  15. Confirm Homeowners InsuranceEnsure the buyer obtains required insurance coverage.
  16. Review Survey or Boundary ConcernsAddress property line, encroachment, or survey issues when necessary.
  17. Verify Financing ContingenciesMonitor financing approval and applicable contract deadlines.
  18. Confirm Title ClearanceVerify title issues are resolved before closing.
  19. Obtain Clear-to-Close ConfirmationConfirm the lender has approved the loan for closing.
Phase 4Closing PreparationSteps 37–46
  1. Confirm Closing AppointmentCoordinate the closing date, time, and location.
  2. Confirm Closing DisclosureVerify the buyer receives the disclosure within required federal timelines.
  3. Review Settlement FiguresCheck closing costs, credits, prorations, earnest money, and cash to close.
  4. Verify Wire InstructionsHave the buyer independently confirm payment instructions directly with title.
  5. Schedule Final WalkthroughArrange a final property visit shortly before closing.
  6. Conduct Final WalkthroughConfirm property condition, agreed repairs, and included items.
  7. Resolve Last-Minute IssuesAddress outstanding financing, title, repair, or contractual concerns.
  8. Confirm Buyer Funds and IdentificationEnsure the buyer has required funds and identification.
  9. Attend ClosingAssist the buyer and coordinate with settlement professionals.
  10. Confirm Closing and FundingVerify the transaction has closed and funds have been disbursed.
Phase 5Post-ClosingSteps 47–52
  1. Coordinate Keys and PossessionEnsure the buyer receives access according to contract terms.
  2. Confirm Final Closing DocumentsVerify the buyer receives the appropriate settlement paperwork.
  3. Confirm Commission ProcessingMake sure the brokerage receives and processes the commission.
  4. Close Transaction FileComplete required brokerage documentation and recordkeeping.
  5. Send Congratulations and Homeowner InformationProvide a thank-you and helpful ownership reminders.
  6. Add Buyer to Follow-Up ProgramSchedule future check-ins, anniversary contacts, and referral opportunities.

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Mortgage calculator

What would it cost each month?

As a mortgage loan originator, this is the first number I work out with every buyer. Enter a price, your down payment and a rate to see the principal and interest payment, then call me and we'll turn the estimate into a real pre-approval.

The starting numbers are examples, not today's rates. Type in your own.

Estimated principal and interest

$0

Down payment
$0
Loan amount
$0
Total interest over the term
$0

Estimate only. It leaves out property taxes, homeowners insurance, mortgage insurance and HOA dues. This is not a loan offer or a commitment to lend; your rate and terms depend on your credit, the property and the loan program.

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Ready when you are

Buying, selling, investing or just trying to figure out where to start in Michigan. Call me or pick a time that works for you.

Bring me questions like these

  • How much house can I afford?
  • What's my home worth today?
  • How much do I need for a down payment?
  • Should I sell first or buy first?
  • What credit score do I need?
  • What should I fix before I list?
  • How do I get pre-approved?
  • Can I use my VA loan?
  • What are closing costs?
  • How long will my home take to sell?
  • FHA or conventional: which fits me?
  • Is this rental a good deal?
  • Should I refinance?
  • What will my monthly payment be?
  • Can I get a loan if I'm self-employed?
  • What will I walk away with after I sell?
Call(248) 233-3711
Emailsaleh@soldbuysteve.com
Office22827 Michigan Ave., Dearborn, MI 48124
Book a timeSchedule an appointment
SellingWhat's my home worth?
MortgageStart a mortgage application
Real estate licenseARG Realty · MLS 329576
Mortgage licenseE Mortgage Capital, Inc. · Company NMLS 1416824
Steve Saleh · NMLS 2143251
Equal Housing Lender
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