Disclosures

Equal Housing Opportunity

First Keys supports the Fair Housing Act and equal access to housing opportunity for everyone, regardless of race, color, religion, sex, national origin, familial status, or disability, as well as protections under applicable Michigan law. First Keys does not create, support, or permit filters, search tools, or content that would encourage discriminatory housing practices.

Educational content, not individualized advice

Content on First Keys is general education about the homebuying process. It is not individualized financial, legal, tax, or real estate advice. Loan program availability, interest rates, qualification requirements, tax rules, and assistance program details change and should always be confirmed directly with a qualified lender, attorney, tax professional, or program administrator before you rely on them.

Realtor / brokerage disclosure

First Keys was founded by Ashten Tucker, a licensed Michigan REALTOR® (License #437380), affiliated with The Brand Real Estate. First Keys is an independent educational platform; it is not itself a brokerage, and any real estate brokerage services referenced or provided through this site are performed by Ashten under her affiliation with The Brand Real Estate, not by First Keys directly.

Michigan licensing disclosure

Ashten Tucker holds Michigan real estate license #437380 and has been licensed for five years, as of September 2026.

Agent matching disclosure

When you request to be matched with an agent, your information is shared with a participating Michigan-licensed real estate agent. First Keys does not charge buyers a fee for this matching service. Real estate agent compensation structures vary by transaction and brokerage — ask any agent you work with directly how they are compensated. Matched agents are independent professionals, not First Keys employees or agents — see "Agent matching — independent agents, not First Keys employees" in the Terms of Use for the full disclosure on this.

Market data disclosure

Mortgage rate and Michigan housing market figures shown on this site (for example, in the homepage "Market pulse" section) are general, statewide, point-in-time figures from third-party sources — not a quote, appraisal, or guarantee for any specific property or loan. Rates and prices change frequently and can vary significantly by city, lender, loan type, and individual qualification. Figures were last verified on 2026-09-30 and will be refreshed periodically, but may be out of date by the time you view this page — always confirm current figures with a lender or agent.

Affiliate disclosure

First Keys does not currently participate in affiliate marketing arrangements. If this changes, this section will be updated to disclose any material connections, consistent with FTC guidance.

Financial information disclaimer

Calculators and cost estimates on this site (including the mortgage payment calculator and cash-to-close estimator) are for general educational purposes only. They are not loan offers, Loan Estimates, or guarantees of any specific rate, payment, or approval.