Total Home Lending - Bay City

📑 Receiving your Closing Disclosure (CD) from your lender is an exciting moment. It means you’re very close to officially owning your new home! 🏠 Within your CD, you’ll find the closing costs number listed. To help you prep, here are the three ways closing costs can be paid* on your closing day:

Cashier's Check: The most common and hassle-free option. Get one from your local bank or credit union. Just ensure you know the exact amount and payee details. 🏦

Certified Check: Another secure option available at your bank. It's a reliable alternative to cashier's checks. ✔️

Wire Transfer: Need flexibility? Opt for a wire transfer. Plan ahead as processing may take a few days. Always double-check the recipient details with your lender and title company to avoid fraud. 🔄

Remember, the Earnest Money Deposit (EMD) you paid earlier in the process will go toward your closing costs. Cash, credit/debit cards, or personal checks are usually not accepted for real estate closings. 💸

Have more questions about closing costs or how to pay them? Reach out to your loan officer for more support. 📞

Congratulations, Will & Taylor! Thank you for choosing Total Home Lending💗

Congratulations to Will & Taylor on your new farmhouse, I can't wait to see how you make it your own. Wishing you many happy years there! 🔑🏠

Here, at Total Home Lending, we know there is nothing quite like the experience of purchasing your first home. We absolutely LOVE getting first-time homebuyers into the home of their dreams and we are so grateful to have the opportunity to do so! Congratulations on the closing of your Conventional Loan and, as always, thank you for trusting Total Home Lending💗🏡

Congratulations to Bay City's newest homeowners! 🎊🍾 We are so happy for you and your growing family.

Thank you to Total Home Lending for sponsoring this year's golf scramble!! We appreciate the support of great local businesses!!

Thank you for choosing Total Home Lending and congratulations, Adam & Corrine!🏡📝🥳

Congratulations to my clients, Adam & Corinne, for closing on their Conventional Loan today! It was a pleasure to assist you both in the purchase of your home. Thank you so much and enjoy😍

Congratulations to Earl's client, Racheal, for closing on her MSHDA Conventional Loan! Thank you for trusting Total Home Lending for your home financing needs🏡

Thank you for choosing Total Home Lending, Albert, and congratulations to you!🏠☺️

Congratulations to Albert for closing on his Conventional Loan today!

What a special day! Congratulations to Kayla & Chase for closing on their FHA MSHDA Loan on Friday🙌 We are so blessed to work for an amazing company that takes care of our wonderful clients, as well as the ones that we love. If you're looking to buy a home and are in need of financing, come see why we are the go-to😍

Thank you, Joshua, for trusting Total Home Lending to assist you in the purchase of your home!

Congratulations to Joshua for closing on his Conventional Loan today! Enjoy your new residence and thank you for choosing me to assist you in the purchase of your home💪🏡

📣 Attention Homebuyers! 📣

In response to the recent National Association of Realtors’ (NAR) commission lawsuit settlement, the U.S. Department of Veterans Affairs (VA) has announced a temporary policy change allowing homebuyers using VA loans to pay their real estate agent’s commission. 🏡 This update, effective August 10th, 2024, aims to keep Veterans competitive in the housing market while the VA engages in a formal rulemaking process to establish a permanent solution.

Our team at Total Home Lending will keep you posted on updates as more information becomes available. 📅 Stay tuned for further details to help you and your clients navigate these changes and make the most of VA home loan benefits. 💼💰

Congratulations to Mark's client, Wayne, on the closing of his VA Loan today! All Veterans hold a special place in our heart, so it was truly a privilege to assist Wayne on the purchase of his home. Thank you for trusting Total Home Lending🙏🏠

We are SO honored to serve the ones that have served our country. Thank you for all that you have done🙏 It was our pleasure to assist you in the purchase of your home. Thank you for choosing Total Home Lending!

Congratulations to John & Felicia for closing on their VA Loan this morning! It is always an honor to assist a Veteran in their purchase. Thank you very much for your service and enjoy your beautiful home😍🏡

🎓 Congratulations to all the college grads out there! 🎉 As you adjust to the “real world,” your next goal may soon be to buy a home. Here are a few tips to help point you in the right direction:

There are many more benefits to owning over renting. While you may need to rent temporarily, start preparing now to invest in your first home. 🏡

Not sure where to even begin? That’s what our loan officers are here for. Give us a call and we’ll help map your homeownership journey 📞

There are programs available for first-time homebuyers that can give you many advantages to make homeownership much more possible for you. Ask us about these! 📋

Real estate appreciates over time. Investing in a starter home now will help pave the way for you to sell and buy more assets in the future. Let us help! 🚀

Total Home Lending - Bay City is Looking forward to being one of the sponsors this year for this great event. Make sure you get your tickets it is sure to be a great weekend!!!
July 12th & 13th.

Congratulations to Mark's clients, Patricia & Peter, for closing on their Conventional Loan last Friday! Thank you for trusting Total Home Lending to assist you in the purchase of your home🏡

We are so grateful to be able to help wonderful people get into their dream home🙏 Thank you so much, Chelby, for this wonderful review of Sheila Schmidt - Total Home Lending! People like you are why we love what we do!🙌💗

It’s a great feeling to see a plan through to the end with a great outcome! Congratulations to the new homeowners! 🎉👏🏠

Thank you for serving our country, Pressley. It was our privilege to serve you this time! Enjoy your beautiful home and congratulations🙌

Congratulations to Pressley for closing on his VA Loan! It's always an honor to help a Veteran and this was no exception. Thank you, Pressley, for trusting me to assist you in the purchase of your home and thank you so much for your service🏡

Thank you so much, Michael & Sheryl! It was such a pleasure assisting you both with this purchase!🏠

Congratulations Michael & Sheryl on the purchase of your investment property! Thank you for trusting us with your business.

At Total Home Lending, we really are SO lucky to have the best team💪 Some of the Loan Officers and Operations Team got the chance to enjoy a fun-filled outing yesterday, consisting of a fantastic lunch from Tavern 101 Restaurant and an afternoon full of laughs and creativity at Painterly Pottery🎨 We are so grateful for bonding opportunities like this and the camaraderie amongst our team💗

Congratulations to Earl's clients, Clare & Erin, for closing on their Conventional Loan today! There's nothing better than closing day🙌 Thank you for choosing Total Home Lending!💪

Congratulations, Elizabeth, on closing on your MSHDA Conventional Loan! We are so grateful to be able to get another wonderful family into their home❤ Thank you for trusting us!

🏡 June is National Homeownership Month! 🏠

Owning a home offers more than just a place to live. Here are 3 key advantages of homeownership:

With each mortgage payment, you're building equity, which can be leveraged for future financial goals. 📈

Homeownership provides stability, allowing you to say goodbye forever to rent hikes and unexpected moves. 🚫

A home is a tangible asset that can appreciate over time, making generational wealth and financial security possible for your family. 🌟

The best time to start preparing is now. Reach out to our team and we’ll help you take the first step toward becoming a homeowner. 🏡

Congratulations to Area Manager Leon McKean for receiving Academy’s 2024 Duane Shaw Achievement Award—our company’s highest honor that represents integrity, entrepreneurism, professional excellence, and commitment to their community. Thank you, Leon, for embodying our vision to Inspire Hope, Deliver Dreams, and Build Prosperity.

Academy EVP of Production Justin Harris has been recognized by NMP as a 2024 Industry Titan—acknowledging the key players who have dedicated their expertise and years of experience to the mortgage industry. Congratulations, Justin!

As we bid farewell to a year of dreams, challenges, and growth, let's welcome a new year filled with hope, prosperity, and the pursuit of homeownership dreams. Cheers to turning the page and creating a chapter filled with home joys. Happy New Year from Academy Mortgage! 🥂🏡

As the year comes to a close, we're here to help you open the door to new beginnings 🚪🌟 Start your homeownership journey with us this December.

During Kwanzaa, we celebrate unity, creativity, and the dreams that build prosperity. From our family to yours, may this Kwanzaa be a time of reflection, growth, and the pursuit of homeownership dreams. Let's light the Kinara and kindle the flame of hope for a brighter future. 🕯️🏡

This holiday season, we're unwrapping dreams of home ownership with joy and goodwill. From our family to yours, Merry Christmas! May your homes be filled with warmth, laughter, and the cherished moments that make this season magical. Let's celebrate the gift of homeownership and the hope it brings to families. 🎄🏡

Make your homeownership dreams a reality with an option that’s affordable, too! 🏡 Don’t let the down payment hold you back from making an equity-building investment in a home. As the home buyer, you’ll put 1% down while getting the benefits of a 3% down payment. 💰🔑

💵 You put down as little as 1%.
🤝 Our partner lender will cover the other 2%.

Please reach out for more info today! 📩📞

As the holidays begin, we wish you a season filled with joy, peace, and the promise of a prosperous future. At Academy, we're dedicated to inspiring hope through service and delivering the dream of homeownership. As you gather with loved ones, may your homes be a haven of warmth and dreams. Happy Holidays! 🌟🏠

This December, we're unwrapping dreams and turning them into reality! 🏡✨ Let's build a prosperous future together.

Wishing you a Festival of Lights filled with hope, happiness, and the warmth of a home. As we light the menorah, let's illuminate the path to homeownership and the dreams it kindles. Happy Hanukkah from our family to yours! 🕎🏠

Congratulations to Academy Loan Officer Cat Jerger whose grit and determination led her to recently receive National Mortgage Professional's 40 Under 40 award—recognizing forty mortgage professionals under 40 years old who are helping to elevate the industry for all of us. Congratulations, Cat!

Home is where hope resides, dreams flourish, and prosperity grows 🏡✨ Wishing you a December filled with joy, warmth, and the promise of a bright future.

🚨Just in!🚨 Here are the 2024 Loan Limits:

⭐ The Federal Housing Finance Agency (FHFA) just announced 2024 conforming loan limits for loans acquired by Fannie Mae and Freddie Mac. The new base limit is $766,550 for a single family home. 🏠 This is a $40,350 increase over last year's limit ($726,200).

⭐ The Federal Housing Administration (FHA) just announced the 2024 base loan limit of $498,257 for a single family residence for new case numbers assigned January 1st, 2024 and after.🏡 This is a $26,227 increase over last year’s limit of ($472,030).

💵 How will the increased loan limits support borrowers? The new loan limit increases will help borrowers more easily finance one-unit homes at the higher end of the price scale.

Reach out for more details!

Academy Mortgage has been named a 2023 Best Military Lender by NMP—a recognition that is only possible thanks to our team members who make it a top priority to serve those who actively serve or who have served our country. Our nation's Veterans and military servicemembers have sacrificed so much to protect our freedoms, and we are grateful that we are able to give back by helping them achieve the dream of homeownership.

Having a hard time feeling like you can buy a home? 🏡

At Academy, we're here to turn dreams into keys that unlock your future 🔑🔓

Start your journey towards homeownership today and join the movement of building prosperity for you and your family! 💪

What if the key to your dreams was as easy as sending a message?

From dreams to keys in hand! 🔑✨

At Academy, we're making dreams of home sweet home a reality.

Take the leap toward your dream home and become a part of our ever-growing community of proud homeowners! 🏡💙

Send us a message, and we'll connect you with your local loan officer to explore your home options!