Britt Nolan NMLS# 130131

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Britt Nolan NMLS# 130131 Britt Nolan NMLS # 130131 - Total Home Lending
Senior Loan Officer

As a home buyer, you hear of the many things you should do… get pre-approved, be organized, know your budget, etc. This ...
01/09/2024

As a home buyer, you hear of the many things you should do… get pre-approved, be organized, know your budget, etc. This is a quick reminder of a few things you should NOT do when you’re about to purchase a home.

⚠️ Don’t Make Big Purchases: Avoid making significant purchases or taking on new debt, such as buying a new car or pricey furniture. πŸš—πŸ’³οΏ½

⚠️ Avoid Changing Jobs: Try to refrain from changing jobs or careers because lenders prefer stable employment history. πŸ‘”οΏ½

⚠️ Say No to New Credit Cards: Hold off on opening any new credit accounts and make sure to keep paying your existing card balances on time. βœ…οΏ½οΏ½

Connect with me to learn more β€œdo's and don'ts” so your home purchase experience is a smooth one. ✨

Ready to make 2024 the year you become a homeowner? If you're a first-time buyer stepping into the housing market, here ...
01/03/2024

Ready to make 2024 the year you become a homeowner? If you're a first-time buyer stepping into the housing market, here are my 3 best tips to guide you as you get started.

πŸ“Š Get Pre-Approved Now. It’s important to know your budget before you start shopping!
πŸ’° Ask About Down Payment Assistance. I can share more info on the programs that could help reduce what you spend on your down payment.
🀝 Lean On Your Team. Myself and your Realtor are professionals in the industry, never hesitate to ask a question or request support.

Reach out today to get pre-approved! 🏠

If you’re ready to make a move in 2024, now is a great time to review your financial habits. Consider doing a year-end r...
12/26/2023

If you’re ready to make a move in 2024, now is a great time to review your financial habits. Consider doing a year-end review, so you can pave the way toward your dream home 🏑:

πŸ’Έ Track Your Spending: Take a close look at your expenses over the past year. Identify areas where you can trim unnecessary spending to save for your future home.

🐷 Boost Your Savings: Identify a specific amount to set aside each month dedicated to your homeownership fund.

πŸ“‰ Debt Management: Develop a strategy to pay down high-interest debts to improve your debt-to-income ratio, a crucial factor in mortgage approval.

🀝 Consult a Professional: Consider meeting with me to get personalized advice on optimizing your finances for homeownership in the coming year.

Take charge of your financial future. A strong year-end review can set the stage for achieving your homeownership goals in the new year. Let's work together to make it possible! 🌟

Make your homeownership dreams a reality with an option that’s affordable, too! 🏑 Don’t let the down payment hold you ba...
12/20/2023

Make your homeownership dreams a reality with an option that’s affordable, too! 🏑 Don’t let the down payment hold you back from making an equity-building investment in a home. As the home buyer, you’ll put 1% down while getting the benefits of a 3% down payment. πŸ’°πŸ”‘

πŸ’΅ You put down as little as 1%.
🀝 Our partner lender will cover the other 2%.

Please reach out for more info today! πŸ“©πŸ“ž

Sellers during this season are often motivated and serious, leading to more negotiable prices πŸ’°. With fewer transactions...
12/19/2023

Sellers during this season are often motivated and serious, leading to more negotiable prices πŸ’°. With fewer transactions, the process may be quicker, helping you settle into your new home sooner πŸ—οΈ. Get ahead by prepping now:

Holidays usually entail extra expenses. Make sure to pay bills on time, reduce debt, and check for any errors in your credit history βœ….

Meet with your loan officer. It can never be too soon to give me a call, so the planning process can begin πŸ“ž.

Get your paperwork in order (tax returns, pay stubs, bank statements) to streamline the mortgage application process πŸ“.

Ready to take the next step towards homeownership in the new year? I'm here to guide you through the process! πŸŽ‰

Looking to move to your dream home next year? A bridge loan may be a great solution that allows you to purchase your new...
12/12/2023

Looking to move to your dream home next year? A bridge loan may be a great solution that allows you to purchase your new home before selling your old one 🏑.

A bridge loan provides funds upfront for the down payment on your new house before selling your existing property, ensuring a smoother transition πŸŒ‰.

Bridge loans offer flexibility by allowing you to secure your dream home without waiting for your current property to sell, reducing the stress of timing the transactions ⏳.

Utilize the equity in your current home for the down payment on your new one. This enables you to access funds needed for the down payment, so you can secure your dream home faster πŸ’°.

Ready to step into your new home? A bridge loan could be the key to making it happen! Reach out to learn more about how it could work for you πŸ—οΈ.

Homeownership continues to be a goal for the majority of individuals and families 🏑. Owning a home not only boosts your ...
12/05/2023

Homeownership continues to be a goal for the majority of individuals and families 🏑. Owning a home not only boosts your personal worth, it also gives you the priceless sense of belonging 🌟.

74% agree that homeownership is part of the American dream πŸ‡ΊπŸ‡Έ.οΏ½65% agree that homeownership strengthens the local community 🀝.

The first step is to know it’s possible for you. I give free consultations to learn about your lifestyle and goals πŸ“ˆ. From there, a plan is made and a budget is set, empowering you to take positive action toward your dream πŸ’­.

It’s never too early to begin. Reach out and let’s make your homeownership dreams happen πŸš€.

*2022 NextGen Homebuyer Report

🚨Just in!🚨 Here are the 2024 Loan Limits:⭐ The Federal Housing Finance Agency (FHFA) just announced 2024 conforming loan...
11/29/2023

🚨Just in!🚨 Here are the 2024 Loan Limits:

⭐ The Federal Housing Finance Agency (FHFA) just announced 2024 conforming loan limits for loans acquired by Fannie Mae and Freddie Mac. The new base limit is $766,550 for a single family home. 🏠 This is a $40,350 increase over last year's limit ($726,200).

⭐ The Federal Housing Administration (FHA) just announced the 2024 base loan limit of $498,257 for a single family residence for new case numbers assigned January 1st, 2024 and after.🏑 This is a $26,227 increase over last year’s limit of ($472,030).

πŸ’΅ How will the increased loan limits support borrowers? The new loan limit increases will help borrowers more easily finance one-unit homes at the higher end of the price scale.

Reach out for more details!

Here are some small explanations of the 3 most common loan types. If you or anyone you know are looking to get a home lo...
11/17/2023

Here are some small explanations of the 3 most common loan types. If you or anyone you know are looking to get a home loan, please feel free to send me an email. We look forward to assisting you!😎

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1901 S Euclid Avenue, Suite 6
Bay City, MI
48706

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