Jeff Heppner - Total Home Lending

10/14/2026

Shopping for a higher-priced home? You may need a jumbo loan. Here's the quick breakdown: 🏠💡

A jumbo loan is a mortgage that exceeds the standard conforming loan limits set by Fannie Mae and Freddie Mac.

What to know:
✅ Used to finance higher-value properties 🏡
✅ Typically requires a strong credit score 📊
✅ Down payments are often in the 10–20% range 💰
✅ Rates can be competitive with conventional loans

Jumbo loans just require a bit more preparation — and the earlier you have the conversation, the better. Reach out to explore your options and get started! 🔑

10/14/2026

10/08/2026

10/07/2026

Buying a home is exciting — but nothing spooks a buyer quite like unexpected costs showing up at closing. Here's how to avoid being haunted by surprises: 🎃

• Closing costs — typically 2–5% of the loan amount on top of your down payment 👻
• Property taxes — vary widely by location and can change after purchase 🏡
• HOA fees — if applicable, these can add hundreds to your monthly costs 🕷️
• Home inspection findings — older homes especially can reveal costly repairs 🔦
• Moving costs — easy to forget until the last minute 📦
• Maintenance reserves — experts recommend setting aside a portion of your home's value annually for upkeep 🍂

The good news? None of these have to be scary when you know what's coming. A great mortgage team walks you through the full picture before you ever get to the closing table. 🏠 Don't get spooked — get prepared. Contact us today! 🎃🔑

10/05/2026

COME SEE US THIS SATURDAY😍

Get ready for a fun-filled afternoon of Halloween excitement on Midland Street!
The Midland Street Trick or Treat event will take place on Saturday, October 10, 2026, from 12:00 PM to 3:00 PM. With 30+ participating businesses, families and children can stroll through the Midland Street area, enjoy Halloween activities, and collect plenty of treats along the way.

🎃 Labadie Auto Pumpkin Giveaway!! Thanks to Labadie we will be giving away more than 1000 pumpkins. First come first serve, while they last.
The special pumpkin giveaway will be held in the 600 block of Midland Street, giving families another fun reason to stop by.

🍬 What to Expect:
Trick-or-treating at 30+ participating businesses
Pumpkin giveaway in the 600 block
Treats, prizes and other activities
Costumes encouraged
A fun, family-friendly Halloween atmosphere
Local businesses participating throughout Midland Street

The event is sponsored by the Midland St Merchants and Midland Street Management Board, with support from participating local businesses and sponsors including Labadie, River Rock, and Total Home Lending.

The QR code on the flyer provides access to a map of participating businesses and activities, making it easy for families to plan their afternoon and find everything happening along Midland Street.

Come on down, put on your favorite costume, bring the kids, and enjoy an afternoon of Halloween fun while supporting local Midland Street businesses!

10/01/2026

Fall is officially here and with a new season comes new opportunities😍 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🤝

09/23/2026

A rate lock is an agreement with your lender that guarantees a specific interest rate for a set period — typically 30–60 days — no matter what the market does. 🔒📊

Here's why it matters:
• If rates rise after you lock, you're protected 🛡️
• If rates drop, some programs offer float-down options 📉
• Timing is everything — lock too early and it may expire before closing; too late and rates may have shifted ⏳

We'll help you navigate the timing and strategy that makes the most sense for you. Contact us with any questions! 🏠

09/22/2026