West Michigan Real Estate · Legacy Real Estate Partners

West Michigan real estate done right.

Buying, selling, investing, or land across West Michigan, from the lakeshore to Grand Rapids. Ask a question and get a straight answer, with the numbers that apply to you.

Dave Manley, smiling, black and white portrait
DaveDave Manley · Broker / Co-Owner, REALTOR®
1,910Homes sold in September
$393,138Average sale price
30.2Average days on market
4,859Listings for sale
15Counties covered
11Years in real estate

Across the 15 counties Legacy covers, September closings, counted October 6, 2026. County by county

Before You Move

Numbers worth knowing

The figures that come up in almost every purchase and sale in Michigan. Your lender and title company give you the exact ones for your loan and your house.

  1. 3%

    Down payment can start here

    Conventional loans can start at 3 percent down and FHA at 3.5 percent. VA and USDA loans can mean zero down for buyers who qualify. Twenty percent mainly matters for avoiding mortgage insurance.

  2. 2 to 3%

    Closing costs

    Lender fees, title work, the appraisal, and prepaid taxes and insurance, paid on top of the down payment. Sometimes the seller can cover part of them.

  3. 1 to 2%

    Earnest money

    A good-faith deposit when your offer is accepted. It is not an extra cost: it goes toward your down payment or closing costs.

  4. 30 to 60

    Days from contract to keys

    Inspection, appraisal, loan approval, and title work all happen in that window. Paperwork ready up front keeps it on schedule.

  5. Uncaps

    Michigan property taxes reset

    Taxable value is capped while one owner holds a home and resets when it sells. Ask what the taxes will be after the sale, not what the seller pays now.

  6. 1 to 2 weeks

    When a listing gets the most attention

    A new listing draws its biggest crowd right away. Pricing it right from the first day beats starting high and cutting later.

The Market

What the market is doing

In September, 1,910 homes sold across the 15 counties at an average of $393,138, in 30.2 days on average. Some price ranges still sell in days; others sit and cut price. These five signals tell you which one you are in.

What I Watch
  1. Days on market, and how often homes come back after going under contract
  2. Price reduction frequency, where sellers are misaligned with buyers
  3. Buyer behavior around interest rates, not just the rate, but how people respond to it
  4. Active inventory versus demand, the balance that shifts everything
  5. How all of these signals move together, because one metric alone tells you very little

Common Questions

Straight answers

It depends on your specific situation: your timeline, finances, and what you're trying to accomplish. The market timing question is real, but it's rarely the most important variable. The better question is whether your situation is ready. Start with three questions: how long you plan to stay, what monthly payment works, and whether your savings cover the down payment plus closing costs.

No. The 20 percent rule is the biggest myth in home buying. Conventional loans can go as low as 3 percent down, FHA loans around 3.5 percent, and VA and USDA loans can mean zero down for those who qualify. Twenty percent mainly matters if you want to avoid private mortgage insurance.

Affordability is less about the price tag and more about the monthly payment, which includes principal, interest, taxes, and insurance. Lenders look at how that payment and your other debts compare to your income. A lender can give you a firm number, and a readiness workbook helps you sanity-check it against your real budget.

Overpricing at the start. A home priced above the market tends to sit, and a home that sits invites lowball offers and price drops that signal weakness. The most attention a listing ever gets is in its first week or two, so pricing it right out of the gate usually beats starting high and chasing the market down.

In Michigan, a home's taxable value is capped while one owner holds it, then it uncaps and resets when the home sells. That means your tax bill can be meaningfully higher than the current owner's on the same house. It is not a trick, it is how Michigan property tax works, and it is worth understanding before closing.

About 30 to 60 days for a financed purchase. The inspection, appraisal, loan approval, and title work all happen inside that window. Having your pay stubs, bank statements, and tax returns ready up front is the easiest way to keep it on schedule.

Residential single-family is the core, but I also work with commercial properties, vacant land, and investment acquisitions across West Michigan.

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What clients said

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About Dave

Dave Manley

Broker / Co-Owner, REALTOR® · Legacy Real Estate Partners

I have spent 11 years in real estate, and my first deal was a commercial building. Since then I have worked nearly every kind of transaction: first homes and forever homes, investment properties and flips, land, commercial buildings, inherited homes and estates, and homeowners in a hard spot who needed a way out.

Whatever you are walking into, I will tell you how it actually works, ask the questions you didn't know to ask, and help you make a plan before you sign anything.

I co-own Legacy Real Estate Partners in Norton Shores, where we keep building better ways to buy and sell properties: clearer numbers, faster answers, and tools that do the busywork so we can do the real work.

PROTECT: a small porch house with rocking chairs on a summer eveningSee your options

The Home Protectors program

Help for homeowners who are behind on payments or facing a hard situation with their home.

Behind on Your Mortgage?

You have more options than it feels like

Foreclosure in Michigan is a process with steps and deadlines, including a redemption period after a sale. Working something out with your lender, selling before things escalate, or a short sale can each be on the table. Almost every path is better the earlier you look at it.

  1. Find your dates

    The notices from your lender list the deadlines. Know how much time you actually have before you decide anything.

  2. Call your lender

    Ask about a repayment plan, a loan modification, or a temporary forbearance. Get any answer in writing.

  3. Get the legal and money side right

    A HUD-approved housing counselor or an attorney can tell you exactly where you stand and what each option does to your credit.

  4. Know what a sale would net

    If you have equity, selling can let you leave with money instead of a foreclosure on your record. A straight read on the number takes one conversation.

For Real Estate Professionals

Building a real estate career?

Legacy Real Estate Partners is a brokerage in Norton Shores. Here is what an agent gets when they join.

A marketing and website platform built for you, with monthly market numbers for your area.

In-house listing and transaction coordination, custom business planning, organic lead generation that is already running, help cleaning up and working your database, and mentorship.

Talk to us about your career

Tell us your license status and the best way to reach you.

All conversations are completely confidential.

Raise ReportSee what you could have made with us last year
Ready to Move?

Start with one question

Send an address, a price range, or the situation. You will get what closed nearby, what it would cost, and the first three steps.

Talk to Dave · (616) 935-6511