John Dugan - Total Mortgage - NMLS #264865

John Dugan - Total Mortgage - NMLS #264865 Mortgage Banker Supreme Lending
| Bangor Branch

Posts are not to be considered legal advice, terms and conditions apply.

Did you know that at times, zero is greater than 1? This is the case with Supreme Lending! Homebuyers who may not have e...
01/14/2026

Did you know that at times, zero is greater than 1? This is the case with Supreme Lending! Homebuyers who may not have enough to cover their down payment can take advantage of Supreme’s down payment assistance mortgage options that make it possible to put 0% down on Conventional loans. Better than a 1% down payment! Full down payment assistance provides more buyers the flexibility to achieve their dream of homeownership. Contact us to learn more!

Purchasing a home is exciting, however the mortgage process may seem overwhelming—especially for first-time buyers. That...
01/14/2026

Purchasing a home is exciting, however the mortgage process may seem overwhelming—especially for first-time buyers. That’s why it’s important to work with knowledgeable team to help you navigate the homebuying journey smoothly from the initial pre-qualification to understanding all costs and fees. Keep these tips in mind! When you’re ready to get started, contact our team at Supreme Lending.

BIG NEWS!The interest rates are dropping! Homeownership may be closer than you think.Contact us to learn about our wide ...
01/07/2026

BIG NEWS!

The interest rates are dropping! Homeownership may be closer than you think.

Contact us to learn about our wide range of mortgage programs and see what home financing options may be right for you.

09/27/2024

🚨 Attention First-Time Homebuyers! 🚨
Great news for those looking to make the leap into homeownership! 🏡

Starting Tuesday, October 1, 2024, MaineHousing's interest rate is dropping to a base of 5.375%! This lower rate can help you secure the home of your dreams with more affordable monthly payments.

If you’re ready to take the first step, let’s get you pre-approved and into your new home with these incredible rates! 🎉

📞 Contact me today to learn more and get started!

09/13/2024

🏡 Total Mortgage's Top 7 Tips for a Successful Home Search 🏡

Searching for your dream home? 🏠 Here are my top 7 tips to help make your journey smooth and stress-free:

1️⃣ Don't take on any new credit or run balances on your credit cards
2️⃣ Avoid making large purchases from your savings, checking, or investment accounts
3️⃣ Be sure to pay all of your bills on time
4️⃣ Stay with your current employer / avoid major changes in employment
5️⃣ Be mindful of large cash deposits—underwriters may require letters of explanation
6️⃣ Contact me before processing any hard credit checks (they can impact your score!)
7️⃣ Always ask questions and keep in touch with your Total Mortgage loan expert – me!

💬 I hope this helps! Let me know how your home search is going. I'm always here to assist.

✨ Feel free to share this post with anyone in the market for a new home. Let's help them make it happen! ✨

Bridge Loans: Your Solution for Home Financing!🔑 What is a Bridge Loan?Short-term financing to "bridge" the gap between ...
08/02/2024

Bridge Loans: Your Solution for Home Financing!

🔑 What is a Bridge Loan?

Short-term financing to "bridge" the gap between selling your old home and buying a new one.
Provides temporary funds until permanent financing is secured.
📝 Key Features:

Terms: 6 months to 12 months
Security: Secured by collateral (often the property)

💡 How It Works:

Borrow funds for a new home down payment before selling your current property. You can also use the funds to make any repairs or improvements to get maximum resale value.
Repay the loan with proceeds from the sale of your current home.
🏠 Bridge Financing Program:

Deferred Payments: No payments for up to 12 months.
Pay Off Existing Liens: Refinance existing liens without monthly payments.
Use Equity: Use home equity for the new down payment.
Balloon Payment: Due in 12 months (owner-occupied) or 6 months (non-owner-occupied).
👍 Why Choose BOOST?

Quick funding for competitive, non-contingent offers.
Up to 12 months to prepare your property for sale.
🌟 The Total Mortgage Way:

Common-sense lending tailored to unique circumstances.
Ready to benefit? Contact us today to learn more about bridge loans.
📞 Contact us now to see how Total Mortgage Mortgage Corp. can help you finance your dream home!

07/23/2024

🏡 Cleared to Close in Just 12 Days! 🏡

Exciting news! Our borrower has successfully secured a Maine State Housing loan to purchase a wonderful 2-unit property in Gorham, ME. Not only did they lock in a fantastic rate, but they also received $8,000 towards closing costs as part of the program. Now, they’re on their way to owning a piece of paradise while receiving rental income to offset there mortgage payment!

This charming property offers both privacy and convenience, making it a fantastic opportunity. I’m proud to have assisted in this milestone and am committed to ensuring a seamless closing experience. Let’s turn this dream into reality!

07/23/2024

Big News from Freddie Mac for first time investors! 🚨

Freddie Mac has announced some significant changes to their rental income guidelines. One of the major updates is that you no longer need to own a primary residence to finance the purchase of an investment property. You must have a housing expense, such as renting an apartment or home, but owning your residence is no longer a requirement.

Additionally, they've updated the requirements for calculating rental income when a property was out of service due to renovation.

Qualifying for a mortgage with rental income can be complex, but don’t worry! Let's chat, and I'll help you navigate your next purchase or refinance.

🏡💼 Let's make your investment goals a reality!

07/17/2024

3 Tiny Habits That Will Pay Your Mortgage Off Faster

🏠💰✨

Bi-weekly Payments:

By making bi-weekly payments, you'll squeeze out one extra payment every year! This can shave about 6 years off your 30-year mortgage. 🗓️🏃‍♂️
Recasting:

If you make a large one-time payment towards your mortgage, recasting allows you to recompute your mortgage payment schedule without refinancing. This can reduce your monthly payments and save you interest in the long run. 📉🔄
Round Up Purchases:

Use an app like Acorns to round up every purchase to the nearest dollar. Apply these savings to your mortgage at the end of the year. Small change adds up to big savings! 💸📲
Start today and watch your mortgage shrink faster! 🌟🏡

07/12/2024

🌟 Unlock Your Path to Homeownership with Down Payment Assistance! 🌟
Dreaming of owning your home but concerned about the down payment? Our FHA 100% CLTV Combo Loan Program is your solution! 🏠🔑

100% Financing Details:
FHA first lien at 96.5% LTV
Second lien up to 3.5% to 5% LTV to cover down payment and/or closing costs.
Program Highlights:
✅ FHA first lien PLUS concurrent second lien for 100% CLTV
✅ Minimum 600 FICO
✅ Standard 30-year fixed rate FHA first lien
✅ No First-Time Home Buyer requirement
✅ No Income Limits
✅ Eligible for single family homes, 2 unit owner occupied
homes and doublewide mobile homes.

✨ Take the next step towards your dream home today! Contact John Dugan at 207-807-2204 for DM or more information.

Stop renting and start building wealth! 💰 Whether you're a first-time buyer or looking to upgrade, we've got the mortg...
07/12/2024

Stop renting and start building wealth! 💰 Whether you're a first-time buyer or looking to upgrade, we've got the mortgage solutions to help you achieve your homeownership dreams. ✨ Let's talk about your options and get you on the path to financial freedom! 🔑 homeownership mortga

07/12/2024

Total Mortgage has been helping homeowners and buyers get financing they need for over 20 years. Explore home loan options or apply online to get started.

Address

84 Columbia Street
Bangor, ME
04101

Telephone

+12078072204

Website

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