Sheila Schmidt - Total Home Lending

10/12/2026

Open tomorrow!

🚨OPEN HOUSE ALERT 🚨

Skip the fixer-upper stress and head straight to move-in day! 🏠✨

This brand-new 3 bed, 1 bath beauty is fully built, turnkey, and ready for modern living. We’re talking a bright, functional layout and stylish, low-maintenance finishes—because your weekends should be spent relaxing, not on a never-ending to-do list. ☕🎨

Why you’ll love it:
• Fresh & Ready: New construction with zero work required on your end.
• Prime Location: Minutes from local dining, great shopping, and quick highway access for effortless commutes. 🚗🛍️
• All the Vibes: Sun-drenched rooms designed for cozy nights and effortless entertaining.

📍 View Listing: https://arhousebay.com/properties/220-s-sherman-street-bay-city-mi-us-48708-50222724

🎟 Admission: Free (and yes, you can bring a friend who acts like an interior designer)

Come tour the space, and picture yourself living here. Call us for details or tag someone who’s looking for their dream upgrade! 👇

🏡Hosted By: Jen Hanson & Chris Griffin
🚤Ayre Rhinehart Bay Realtors
📱989.892.4800

10/12/2026

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! 🔑

10/05/2026

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! 🎃🔑

09/22/2026

✨ YOUR WATERFRONT OASIS AWAITS! 🚤🌅

Dreaming of calm waters, endless boat rides, and breathtaking sunsets right from your backyard? Welcome to riverfront luxury on the Kawkawlin!

📍 100 FT OF PRIVATE KAWKAWLIN RIVERFRONT
Endless days of boating, fishing, and entertaining are calling! Enjoy your private dock, solid seawall, and a peaceful boat ride directly out to the mouth of the Saginaw Bay. 🌊🎣

🏡 PROPERTY HIGHLIGHTS:
• 🛌 5 Spacious Bedrooms | 🛁 2.5 Bathrooms
• 📐 Modern, fully updated two-story layout
• 🎉 Open-concept living areas built for entertaining
• 📦 Massive 2nd-story loft above the garage for extra storage
• 🌿 Pristine, meticulously maintained yard & lush landscaping

📍 View Listing: https://arhousebay.com/properties/3717-kawkawlin-river-drive-drive-bay-city-mi-us-48706-50216759

Whether you're sipping morning coffee by the dock or hosting friends for a sunset BBQ, this home offers the ultimate peaceful lifestyle upgrade.

👇Don't wait—Call us to schedule your private tour today! 📩

🏡Hosted by: Cesar Ortega
🚤Ayre Rhinehart Bay Realtors
📲989.892.4800

09/21/2026

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! 🏠

09/15/2026

🚨 OPEN HOUSE CANCELLED 🚨

Back on the market through no fault of the home—buyer financing fell through, creating an incredible second chance for you to own this stunning S. Linwood Beach retreat! 🏖️✨

Enjoy 90 feet of direct Saginaw Bay frontage with panoramic views, seamless indoor-outdoor living, and unmatched space for all your Great Lakes adventures.

👀View Listing: https://arhousebay.com/properties/705-s-linwood-beach-road-linwood-mi-us-48631-50217777

PROPERTY HIGHLIGHTS:

◾Direct Waterfront: 90 ft of prime Saginaw Bay frontage with panoramic views

◾Spacious Living: 4–5 bedrooms, 2.1 baths, and an open floor plan bathed in natural light

◾Year-Round Sunroom: 10x31 ft sunroom with a built-in grill for effortless entertaining

◾Outdoor Oasis: Exceptionally large deck crafted for summer barbecues and epic sunsets

◾Ultimate Storage & Workshop: Attached 24x21 garage + a massive 36x26 detached garage on a separate 90x100 lot across the street—perfect for boats, RVs, or water toys!

◾Bonus Perks: Includes a whole-house Generac generator, extra parcel (Railroad Property), and a location just steps from a full-service marina.

Rare waterfront gems like this don't stay available twice.

Call us today to schedule your private tour! 📩👇

🏡Hosted by: Kristi Lambert
🚤Ayre Rhinehart Bay Realtors
📲989.892.4800

09/14/2026

There's no shortage of mortgage options out there, so why work with us? Here's what our clients actually experience: 🏠

• We're local — we know Michigan's market, programs, and communities inside and out 🌲
• We're in your corner — from first inquiry to closing day, you'll have a real person guiding you every step of the way 🤝
• We offer more options — Conventional, FHA, VA, USDA, MSHDA, Jumbo and more. We find the right fit for you, not a one-size-fits-all solution 💡
• We speak plainly — no confusing jargon, no runaround. Just honest, straightforward guidance 💬
• We close loans — our experience and process means fewer surprises and smoother closings ✅

Buying a home is one of the biggest decisions you'll ever make. You deserve a team that takes that seriously. 👐 Ready to get started? Contact us today — we'd love to earn your trust.

09/08/2026

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible than you might think. 🏠 Here are a few worth knowing about:

• MSHDA — offers down payment assistance and competitive rates specifically for Michigan buyers 🙌
• FHA Loans — low down payment with flexible credit guidelines
• VA Loans — zero down for eligible veterans and active duty service members 🎖️
• USDA Loans — zero down for buyers in eligible rural and suburban areas 🌾
• Conventional Loans — as little as 3% down for qualified buyers 💪

These programs exist for a reason — contact us today and let's find the path that works for your situation! 🔑

09/07/2026

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned long weekend — enjoy every minute of it. 🙌