F* RENTING

Stop Paying Someone Else’s Mortgage

You’re closer to owning a home than you think. We help Philly renters go from “I don’t know where to start” to “This is mine.”

Renting Feels Safe —
But It’s Costing You

Rent hikes. Zero stability. No equity. You’re already paying a mortgage — it’s just not yours.
We’ll show you how ownership can be simpler (and cheaper) than you think.

Fishtown Charm

Why pay your landlord’s mortgage when you could have exposed brick, backyard space, and your name on the deed?

Center City Views

Renting downtown? Cool. But owning a top-floor unit with a skyline view and equity? Way cooler.

West Philly Porch Life

Forget shared walls and rent hikes — you could have a porch, a garden, and a place that actually grows with you.

You Don’t Need Perfect
Credit or 20% Down

Buying a home doesn’t require perfection — just a smart plan and the right partners. We’ve helped dozens of buyers with average credit, small savings, and big dreams get into homes they love.

Real Homes. Real People. Real Numbers.

Home Price: $275K

+

Down Payment: $12K

=

Monthly: $1,650

Same as your rent?

The 3-Step Plan to Get You Home

Buying a home doesn’t require perfection — just a smart plan and the right partners. We’ve helped dozens of buyers with average credit, small savings, and big dreams get into homes they love

3 Step Process

1

Book a 15-minute call

Schedule a quick 15-minute consultation to discuss your home-buying goals and how we can assist you in achieving them.

2

Get real numbers (not estimates)

Receive a detailed financial analysis tailored to your situation. Our experts will provide you with precise figures, helping you understand your buying power and make informed decisions.

3

Tour homes that fit your goals

Explore a selection of homes that align with your aspirations and budget. Our team will guide you through each property, ensuring you find the perfect match for your lifestyle.

"I thought buying a house meant I had to have it all together. Turns out, I just needed a plan."

- Pretty much every first-time homebuyer

The Team That Keeps It Real

Kanofsky Group and Mortgage by Mike are local pros who guide first-time buyers through every step — with real advice, not pressure. We simplify the complex and focus on homes for real people — not investors.

Mike Rosman

Your Mortgage Guide

With 20+ years of experience and licenses in 10 states, Mike Rosman knows how to make home loans feel easy. Whether you’re buying your first place or building your dream one, Mike’s the guy who gets it done—with zero stress and zero BS.

Ryan Kanofsky

Your Real Estate Team

Ryan Kanofsky is a lifelong Philadelphian and seasoned real estate expert with over 15 years of experience. He leads The Kanofsky Group with a focus on smart strategy, clear communication, and genuine care. Whether you're buying or selling, Ryan knows how to get results—and make the process feel easy along the way.

Take the 60-second Quiz

FAQs

Got questions about buying your first home? We've got answers.

Do I need a 20% down payment to buy a home?

Nope! Many of our clients buy with as little as 3% down — and some qualify for $0 down options depending on their situation. You don’t need to empty your savings to get started.

What if my credit isn’t perfect?

You don’t need a perfect credit score to buy. We’ve helped buyers with average credit qualify for mortgage programs that work for them — and we’ll guide you every step of the way.

Isn’t it cheaper to rent right now?

It might seem that way upfront, but rent offers no return. Every month you pay someone else’s mortgage. With buying, you build equity — meaning money back in your pocket over time.

See If You’re Closer to Owning Than You Think

We’ll show you what’s possible — no pressure, no jargon.