Jeff Heppner - Total Home Lending

Jeff Heppner - Total Home Lending Enjoy a full service lending experience with a variety of program options! Your Neighborhood Lender



Shopping for a home in Michigan?

Jeff Heppner NMLS #134865 - Total Home Lending
[email protected]
Branch Manager
989-928-6229 Come see Jeff Heppner at Academy Mortgage! He has been in the mortgage industry for over 21 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you w

ant a great mortgage loan for your situation. That’s why clients choose Academy Mortgage. Academy Mortgage is a big company with a small-town feel. When you work with Jeff Heppner, you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find the ideal loan option for your first new home, come talk to Jeff Heppner and his professional team. Academy’s business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options



Many factors can affect the type of home loan that is right for you. Jeff Heppner will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Jeff Heppner. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Jeff Heppner offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing all of Michigan.

Cheers to National Homeownership Month 🏠🎉 — 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 🏠🎉 — 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. 🔑

05/29/2026

The end of May has arrived and the beginning of National Homeownership Month, June, comes to us on Monday🙌 Thank you SO much to all of our 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, any of our team would be happy to be of assistance🤝

Congratulations to The Tuckers for closing on their conventional loan today! Thank you for allowing me to assist you in ...
05/29/2026

Congratulations to The Tuckers for closing on their conventional loan today! Thank you for allowing me to assist you in the purchase of your home🏠🥳

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial D...
05/27/2026

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial Day approaches. 🎖️

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:

🏠 No down payment required.
🛡️ No private mortgage insurance (PMI).
📉 Competitive interest rates.
✅ 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. 💙 Contact us to learn more about VA loans and how to get started.

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️
05/25/2026

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔💸 When you rent, your...
05/20/2026

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔

💸 When you rent, your monthly payment builds your landlord's equity — not yours.
🏠 When you own, every mortgage payment is an investment in your future.
📈 Historically, home values have appreciated over time.
🧾 Homeowners may qualify for mortgage interest deductions.
🔧 You have the freedom to update, renovate, and personalize your space.

Of course, buying isn't suitable for every situation — timing, finances, and goals all play a role. But if you've been contemplating, it's worth having a candid conversation about what's possible for you. 💬 Let's calculate the numbers together. Contact us today to see what you might qualify for! 👐

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you re...
05/13/2026

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you receive. Here's a quick overview: 📊

📈 760+: You'll likely qualify for the best available rates.
✅ 700–759: Good standing, competitive rates.
⚠️ 660–699: May qualify, but rates will be slightly higher.
📉 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: 💡
• Pay bills on time — this is the top factor. 📅
• Maintain credit card balances below 30% of your limit.
• Avoid opening new lines of credit before applying for a mortgage.
• 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. 🏠

Congratulations to Rodney & Brandi for closing on their conventional loan this morning!😎🙌
05/13/2026

Congratulations to Rodney & Brandi for closing on their conventional loan this morning!😎🙌

Address

1901 S Euclid Avenue
Bay City, MI

Telephone

+19899286229

Website

http://www.heppnerteam.com/

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