Jack Conley - Total Home Lending

09/02/2026

The 8th month of 2026 is over and a new month begins😍 Thank you SO much to all of the wonderful customers for another awesome month of closings🙏 At Total Home Lending, we know there's nothing better than home. It was an absolute privilege to get you into yours🏠💗 If you or someone you know is interested in buying a home, refinancing, or just needs to know where to begin the process of homeownership, any of our team would be happy to be of assistance🤝

08/31/2026

08/28/2026

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! 🏠

08/21/2026

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! 🔑

08/14/2026

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!

08/07/2026

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! 💬

08/05/2026

A record month at Total Home Lending! 🎉

In 54 years of helping people finance their homes, we've never closed this many purchases in a single month.

Programs for every borrower. Communication that keeps you informed every step. And a team that lives and works in the same communities we serve. Over 57% of our purchase closings this month were first-time homebuyers, proof that when you make homeownership approachable, people show up ready to buy.

Thank you to our loan officers, referral partners, and clients for trusting us with one of life's biggest milestones.

08/04/2026

July was a record-breaking month for our team and we are VERY grateful for every single person that we had the opportunity to help😍 Thank you SO much to all of the wonderful customers for another awesome month of closings🙏 At Total Home Lending, we know there's nothing better than home. It was an absolute privilege to get you into yours🏠💗 If you or someone you know is interested in buying a home, refinancing, or just needs to know where to begin the process of homeownership, any of our team would be happy to be of assistance🤝

07/31/2026

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! 🎇🇺🇸

07/27/2026