Jeff Heppner - Total Home Lending

09/03/2026

Many thanks to Total Home Lending - Saginaw for their generous donation of school supplies for our students! We are thankful for community partners who find ways to help make teaching and learning run smoothly! ✏️ 📒 🖍️

09/02/2026

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!

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

08/31/2026

08/26/2026

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!

08/21/2026

TODAY IS YOUR LAST DAY TO DONATE!! Even a small donation makes a big difference to a child in need. Thank you for your contribution🙏🏫

08/19/2026

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! 💬