Jack Conley - Total Home Lending

Jack Conley - Total Home Lending Jack Conley, Loan Officer
NMLS #2303426
Total Home Lending
NMLS #140012

Cheers to National Homeownership Month ๐Ÿ ๐ŸŽ‰ โ€” and to everyone who made the leap into a home of their own this year. It is ...
06/02/2026

Cheers to National Homeownership Month ๐Ÿ ๐ŸŽ‰ โ€” and to everyone who made the leap into a home of their own this year. It is one of the biggest steps you can take, and we are proud to be part of the journey. ๐Ÿ”‘

05/29/2026

The end of May has arrived and the beginning of National Homeownership Month, June, comes to us on Monday๐Ÿ™Œ Thank you SO much to all of our wonderful customers for another awesome month of closings๐Ÿ™ At Total Home Lending, we know there's nothing better than home. It was an absolute privilege to get you into yours๐Ÿ ๐Ÿ’— If you or someone you know is interested in buying a home, any of our team would be happy to be of assistance๐Ÿค

Your credit score plays a crucial role in your mortgage โ€” influencing both your eligibility and the interest rate you re...
05/29/2026

Your credit score plays a crucial role in your mortgage โ€” influencing both your eligibility and the interest rate you receive. Here's a quick overview: ๐Ÿ“Š

๐Ÿ“ˆ 760+: You'll likely qualify for the best available rates.
โœ… 700โ€“759: Good standing, competitive rates.
โš ๏ธ 660โ€“699: May qualify, but rates will be slightly higher.
๐Ÿ“‰ Below 620: Qualifying can become more challenging (but not impossible!).

Even a minor improvement in your credit score can save you thousands over the life of a loan. Here's how to enhance it: ๐Ÿ’ก
โ€ข Pay bills on time โ€” this is the top factor. ๐Ÿ“…
โ€ข Maintain credit card balances below 30% of your limit.
โ€ข Avoid opening new lines of credit before applying for a mortgage.
โ€ข Don't close old accounts (length of credit history matters).

Curious about where you stand? Let's discuss your options. We assist buyers at all stages. ๐Ÿ 

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. ๐Ÿ™โค๏ธ
05/25/2026

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. ๐Ÿ™โค๏ธ

If you've begun exploring mortgage options, you've probably encountered fixed-rate loans. Here's what you should know: ๐Ÿ ...
05/22/2026

If you've begun exploring mortgage options, you've probably encountered fixed-rate loans. Here's what you should know: ๐Ÿ 

A fixed-rate mortgage keeps your interest rate constant for the entire duration of the loan โ€” whether that's 10, 15, 20, or 30 years. The advantages? ๐Ÿ‘

โœ… Predictable monthly payments (easy budgeting). ๐Ÿ“…
โœ… Protection against rising interest rates. ๐Ÿ›ก๏ธ
โœ… Peace of mind โ€” no unexpected changes.

Not sure which term suits you best? That's exactly what we're here to help you determine. Every situation is unique, and we'll assist you in finding the best fit. ๐Ÿ  Contact us to explore your options!

05/20/2026

CHECK OUT THIS NEW LISTING๐Ÿ˜
-Contact Jack Conley for your pre-approval๐Ÿ“
-Listing provided by: The Daily-Brookhouse Team๐Ÿ’—
Want to see more of this home? Check out all of the pictures using the link below๐Ÿซฃ๐Ÿ ๐Ÿ–ผ๏ธ
https://openhouse.propertypath.com/properties/442036

05/20/2026
05/20/2026

CHECK OUT THIS NEW CONDO๐Ÿ˜
-Contact Jack Conley for your pre-approval๐Ÿ“
-Listing provided by: Real Estate Specialists๐Ÿ’—
Want to see more of this listing? Check out all of the pictures using the link below๐Ÿซฃ๐Ÿ ๐Ÿ–ผ๏ธ
https://openhouse.propertypath.com/properties/441938

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial D...
05/15/2026

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial Day approaches. ๐ŸŽ–๏ธ

If you or someone you care about has served in the U.S. military, one of the most powerful benefits available is the VA home loan. Here's why it's such an exceptional program:

๐Ÿ  No down payment required.
๐Ÿ›ก๏ธ No private mortgage insurance (PMI).
๐Ÿ“‰ Competitive interest rates.
โœ… Flexible qualifying guidelines.

If you're a veteran, active-duty service member, or surviving spouse and haven't explored this benefit, we'd love to guide you through it. Thank you to all who served and to the families who support them. ๐Ÿ’™ Contact us to learn more about VA loans and how to get started.

Address

1901 S Euclid Avenue
Bay City, MI
48706

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