Chris Wilson - Senior Loan Officer

Chris Wilson - Senior Loan Officer Your Local Mortgage Lender Chris Wilson. Over 15 years of experience. Located in Ann Arbor, MI Your Neighborhood Lender

Shopping for a home in Ann Arbor, MI?

Come see Chris Wilson at Total Home Lending! He has been in the mortgage industry for over 15 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation. That’s why clients choose Chris Wilson, check out hi

s reviews on Google. When you work with Chris Wilson, you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find the ideal loan option for your first new home, come talk to Chris Wilson and the professional team at Ann Arbor, MI. Total Home lending's business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options

Many factors can affect the type of home loan that is right for you. Chris Wilson will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Chris Wilson. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Chris Wilson offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Washtenaw and Wayne county areas and beyond including Saline, Chelsea, Brighton, Plymouth, Canton, Northville, Ypsilanti, and Birmingham. Florida

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a ...
09/09/2026

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a big difference. Here's a quick guide: 📋

✅ DO:
• Get pre-qualified early 🏁
• Save consistently for your down payment and closing costs 💰
• Pay bills on time to protect your credit score 📅
• Keep your employment situation stable 💼
• Ask questions — no question is too small 🙋

❌ DON'T:
• Open new lines of credit or apply for new loans
• Make large unexplained deposits into your bank accounts 🏦
• Change jobs right before applying (if you can help it)
• Make big purchases — cars, furniture, appliances can wait 🛑
• Co-sign on someone else's loan

Some of these might seem obvious, but you'd be surprised how often small decisions before closing can complicate the process. The good news? We walk you through all of it. 🏠 Contact us today to get started on the right foot!

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned ...
09/07/2026

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned long weekend — enjoy every minute of it. 🙌

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible t...
09/01/2026

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible than you might think. 🏠 Here are a few worth knowing about:

• MSHDA — offers down payment assistance and competitive rates specifically for Michigan buyers 🙌
• FHA Loans — low down payment with flexible credit guidelines
• VA Loans — zero down for eligible veterans and active duty service members 🎖️
• USDA Loans — zero down for buyers in eligible rural and suburban areas 🌾
• Conventional Loans — as little as 3% down for qualified buyers 💪

These programs exist for a reason — contact us today and let's find the path that works for your situation! 🔑

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:✅...
08/26/2026

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:

✅ Lower your monthly payment 💸
✅ Secure a lower interest rate 📉
✅ Shorten your loan term ⏳
✅ Switch from an ARM to a fixed-rate loan 🔒
✅ Tap into your home's equity (cash-out refinance) 💰

A good rule of thumb: if you can lower your rate meaningfully, it's worth the conversation. But the right timing also depends on how long you plan to stay and what fees are involved. 💡 We'll help you run the numbers. Contact us to explore your refinance options! 💬

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you b...
08/19/2026

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you buy that cabin or waterfront property, here's what to keep in mind:

• Larger down payment required — vacation and investment properties typically need more down 💰
• Rental income is handled differently — if you plan to rent seasonally, lenders account for that income in a specific way 🏡
• Seasonal costs add up — insurance, utilities, and maintenance look different on a property you're not living in year-round ❄️
• Rural financing has unique nuances — not every lender is experienced with cabins and UP properties. We are. 🏠

We love helping Michiganders make their up north dream a reality. Contact us to explore your options today! 🔑

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understan...
08/12/2026

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understanding. 📊 With an ARM, your interest rate is fixed for an initial period (commonly 5, 7, or 10 years), then adjusts periodically based on market conditions.

Pros: 👍
✅ Lower initial rate than a 30-year fixed.
✅ Can be an excellent fit if you plan to move or refinance before the adjustment period.

Cons: ⚠️
📉 Rate may rise after the fixed period.
📋 Less predictability over the long term.

ARMs aren't suitable for everyone — but for the right buyer, they can offer genuine savings. 💡 Let's discuss whether it makes sense for your situation. Contact us to explore all your mortgage options! 🏠

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your f...
08/05/2026

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your financial future. 🎒 If homeownership is one of your goals, here are a few straightforward ways to start building toward it:

💰 Set a monthly savings target specifically for your down payment.
📉 Pay down high-interest debt to improve your DTI ratio.
📊 Check your credit report for errors (available for free at annualcreditreport.com).
🏠 Investigate down payment assistance programs in your area.
📞 Schedule a free consultation with a mortgage professional — yes, us!

You don't need to have everything figured out before reaching out. That's what we're here for — to help you understand your current situation and where you need to go. 🏠 Contact us today, and let's create a plan!

One of the major benefits of homeownership is building equity — but what does that mean? 🤔 Home equity is the portion of...
07/29/2026

One of the major benefits of homeownership is building equity — but what does that mean? 🤔 Home equity is the portion of your home that you truly "own." It's calculated as:

🏠 Home's Current Market Value – What You Owe on Your Mortgage = Equity

For example: If your home is valued at $350,000 and you owe $250,000, you have $100,000 in equity. 💰 Equity builds in two ways:
1. As you pay down your mortgage principal.
2. As your home's value appreciates over time. 📈

Equity can be utilized for renovations, college tuition, emergency funds, or even a down payment on your next home. The sooner you buy, the sooner equity starts working for you. 💪 Have questions about your options? Let's discuss. Contact us today!

If you've been researching mortgages, you've likely come across PMI — private mortgage insurance. Here's what you need t...
07/22/2026

If you've been researching mortgages, you've likely come across PMI — private mortgage insurance. Here's what you need to know: 💡 PMI is typically required when your down payment is less than 20% of the home's purchase price. It protects the lender (not you) in case you default on the loan.

The good news? 🙌
• PMI is temporary — once you reach 20% equity in your home, you can request to have it removed. 📉
• It's often a minor monthly cost and doesn't have to be a dealbreaker.
• Some loan programs (like VA loans) don't require PMI at all. 🎖️

For many buyers, paying PMI makes sense — it allows you to buy sooner instead of waiting years to save a larger down payment. 🏠 We can help you weigh the pros and cons for your specific situation. Contact us today! 💬

Whether it's painting a wall a new color, enjoying a backyard with a pet, or adding flowers to the garden — owning a hom...
07/15/2026

Whether it's painting a wall a new color, enjoying a backyard with a pet, or adding flowers to the garden — owning a home is one of the most meaningful expressions of personal freedom. 🎆

Homeownership signifies:
🏠 Stability for your family.
🔑 The freedom to make your space truly yours.
💰 Building wealth over time.
🌳 Roots in your community.

If homeownership is one of your goals, now is the perfect time to start the conversation. Whether you're months away or just beginning to explore, we're here to help you understand your options and chart a path forward. Wishing you and your family a safe and joyous Fourth of July! 🎇🇺🇸

Address

555 Briarwood Cir #200B
Ann Arbor, MI
48108

Telephone

+17342391492

Website

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