Sheila Schmidt - Total Home Lending

🏠 What if you find a home you love, but it needs updates? Don’t let that stop you from pursuing the purchase. We offer specialized mortgage products that are designed to finance both the purchase of the home and the cost of renovations.

💬 It’s best to connect directly with your loan officer to figure out which loan option is best for you. You’ll get to invest in the home you love and then design it to be your own, too. It’s a win-win!

✨ Let us help make it happen.

What an awesome show! 🎆

The Fourth of July is all about celebrating the land of the free and the home of the brave! Homeownership remains at the heart of the American dream, representing freedom, security, and the opportunity to build a better future for yourself and your family.

🎆 Today, we wish you a safe and happy Independence Day! Tomorrow, let’s get to work on making your homeownership goals happen! Reach out so we can help.

📑 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 for more support. 📞

You're more than just a number to me! I work with you personally to determine your needs and assess what the best strategy is to reach that goal. I appreciate your trust in me Meagan and so happy for you reaching this major milestone of home ownership!

NEW LISTING:

A beautiful well maintained Victorian home! This house features 3 bedrooms and 1.5 bathrooms, on the second floor and the first floor. It sits on a double lot adorned with lush flowers that bloom every year. Inside this indulgent living space you have state of the art Victorian features, such as the original woodwork, staircase newels, stained glass, hardwood floors, wood burning fireplaces. A full basement with an abundance of storage, which features a bar and vintage stools to entertain. Nicely fenced in for you to enjoy your back garden. It is 4 blocks from the water and within walking distance to Uptown, downtown Bay City, shops, restaurants, parks and more.

$130,000

https://ruthymoura.midmittenrealty.com/listing-detail/1146809338/234_N_Jackson_Street-Bay_City-MI

🏡 One of the major benefits to homeownership is that you are able to build equity. Home equity is the portion of your home you truly own, free from mortgage debt. 📈 You can leverage it wisely for loans, lines of credit, or investments to fuel your future endeavors. 💡

If you’re curious about where your home equity currently stands, reach out! I will help you land on the correct number, so you can accurately plan for the future. 📞

This is a special day for a customer who worked really hard to make this happen. The team here at Total Home Lending is truly amazing and solution oriented. Looking forward to celebrating with you after closing! This will be a great place to call home. 🩷

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! 🔑🏠

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

Nice new listing! 🔑🏠

📫817 W Nebobish Rd.

Over 2000 sq ft, this home sits on just over a half acre lot, and boasts country living! This 3 bedroom has been completely remodeled featuring bamboo water resistant flooring. Features a nice size family room, and a eat in kitchen with sliding doors to the back yard. Must see to truly appreciate!
☎️(989) 686-3400

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

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

🎓 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 I'm here for. Give me a call and I’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 me 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 me help! 🚀

🏡 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 and I'll help you take the first step toward becoming a homeowner. 🏡

Bangor township open Sunday!

🌟OPEN HOUSE🌟

✨ Price Adjustment ✨

Take the tour of this three bedroom, deco era, ranch home located in Bangor Township this Sunday. Beautiful built-ins, out-standing brick work, and coved ceilings are just a few of the features this unique home has to offer.

View Listing: https://arhousebay.com/properties/203-state-park-drive-bay-city-mi-48706-50143007

Listing Agent: Melissa Beckrow
Ayre Rhinehart Bay Realtors
📱989.892.4800

As a homebuyer, being prepared with a plan makes you unstoppable. I can help with the financial part of your plan, ensuring you know your budget from the beginning.

I'll review your income, expenses, and credit to determine a suitable, comfortable budget.
I’ll then help get you pre-approved for a mortgage, so you know exactly how much you can borrow before house hunting.
Throughout your experience, I’ll give personalized guidance so you can make informed decisions.

Knowing your budget upfront is crucial—it saves time, prevents disappointment, and ensures you're ready to make an offer when you find your dream home. I'm here to help!

It’s a great Friday letting buyers that have become friends know they are ready to close on their new home! 🏠 👏🤩

Offer accepted 5-3 ☑️
Inspection 5-6 ☑️
Signed loan docs 5-7 ☑️
Appraisal complete 5-15 ☑️
Clear to close 5-24☑️

17 days start to finish for a FHA MSHDA loan! 🎉 Let’s start your home ownership journey! 🔑

We are so happy for you Shana & Frank!!! 🥳🤩🎊🍾

Currently saving for a down payment to get a new home? Here are three ways you can save more… faster.

Try a “No-Spend” Month: Only pay for necessary living expenses like food, car payments, utilities and existing subscriptions. Refrain from Instagram-Ad-induced shopping, extra travels, or pricey dinners out and see how much you can save.

Set a Goal and Date: Establish a specific monthly savings goal for your down payment and set a deadline to achieve it. Having a clear timeline will keep you motivated and accountable.

Create a Savings Account & Auto Transfers: Open a separate savings account dedicated to your down payment fund. Set up automatic transfers from your checking account to your savings account, so the money is moved effortlessly each month.

With these strategies in place, you'll make major progress toward investing in a new home. Remember to reach out to me, because you may not have to save as much as you think!

Congratulations to Frank & Shana on your new home!!🎊🔑
We hope you have many years of happiness and new memories there!

You can never ask me too many questions! I'm always happy to answer anything that’s on your mind. There may be a few not-so obvious questions you’ll want to ask… here are a few:

What factors could affect my loan approval? From credit score, debt-to-income ratio, and employment history, I can offer guidance on how to address any concerns.

How often will I be updated about my loan’s progress? Asking me about the frequency of updates will help set expectations and keep your mind at ease.

Is there anything I shouldn’t do during my mortgage process? I can advise against actions that could hold up your file, so you can avoid them all together.

What matters most to us is that you are feeling confident about your experience. Please reach out any time!

Welcome to Michigan Cody & Matt! 🥳🎊 If you have a family member/friend relocating they can buy a home before their job start date, contact me for details!

May is National Military Appreciation Month, and I'm honored to serve those who serve our country. If you're a veteran or active-duty service member, I'm here to assist you with VA loans. Did you know…

One of the most significant advantages of VA loans is that eligible borrowers can purchase a home with no down payment.
VA Loans do not require a downpayment and do not have PMI.
VA loans often offer competitive interest rates compared to conventional loans, which can save borrowers money on their monthly mortgage payments over time.

VA loans are an excellent option for eligible veterans, active-duty service members, and qualifying spouses who are looking to purchase a home. I'd love to be a part of your homebuying experience.

Congratulations on your new home Tracy! 🔑

Beautiful inground pool!🏊

Come on over and say Hi! We will be hosting an open house tonight (Wednesday May 1st)
🕠5:30om - 7:30pm
🏡1401 N Wenona St. Bay City, MI

Planning to buy a home? 🏠 Getting pre-approved for a mortgage is a crucial step in the process. ✅ A pre-approval helps you:

Understand Your Options: 📊 I will help you set a budget, so you have solid expectations as you begin house hunting. 🏡

Identify Potential Issues: ⚠️ This process can catch any possible issues with your credit or finances early on, giving you time to address them. 🛠️

Have a Competitive Advantage: 🥇 Sellers take pre-approved buyers more seriously, as it shows you're financially prepared to make an offer. 💼

Getting a pre-approval should be one of the first actions you take as you begin your way toward homeownership. 🗝️ Reach out today and I can help!