John Sursely - Total Home Lending

John Sursely - Total Home Lending Enjoy a full service lending experience with a variety of program options! I'm available and happy to help. Come see John Sursely at Academy Mortgage!

John Sursely NMLS # 162784
[email protected]
Senior Loan Officer
989-239-6931 Your Neighborhood Lender



Shopping for a home in Bay City, Michigan? He has been in the mortgage industry for over 23 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 want 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 John Sursely, 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 John Sursely and the professional team at Bay City, Michigan. 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. John Sursely 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 John Sursely. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. John Sursely offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including, Midland, Arenac, Tuscola, Saginaw, Huron, Genesee, Gladwin, Lapeer, and Gratiot.

If you're a first-time buyer or don't have a large down payment saved up, an FHA loan could be a viable option. 🏠 FHA lo...
06/10/2026

If you're a first-time buyer or don't have a large down payment saved up, an FHA loan could be a viable option. 🏠 FHA loans are backed by the Federal Housing Administration and aim to make homeownership more accessible. Here are the basics:

✅ Down payment as low as 3.5% (with a qualifying credit score).
✅ More flexible credit guidelines compared to conventional loans.
✅ Available for primary residences.
✅ Can be used for single-family homes, condos, and multi-family properties (up to 4 units). 🏘️

Things to keep in mind:
• FHA loans require mortgage insurance premiums (MIP) — both upfront and monthly. 📋
• Loan limits vary by county.
• The home must meet specific condition standards.

FHA loans have assisted millions in becoming homeowners. Curious if it's the right fit for you? Let's chat. 💬 Contact us to explore your loan options!

06/01/2026

June is National Homeownership Month! The keys to a new home open more than a door. They unlock opportunity, build wealth, strengthen community, and offer owners the freedom to create the life they envision. Happy Homeowning! Total Home Lending is an Equal Housing Lender.

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔💸 When you rent, your...
05/21/2026

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! 👐

05/12/2026

Can you believe we’re already halfway through May? 🌸 In Michigan, this month is the ultimate roller coaster—one day we’re breaking out the shorts and the next we’re reaching for a winter coat again! 🧥☀️

Just like our unpredictable May weather, the housing market can change in a flash. That’s why getting pre-approved is so important. When you find the home of your dreams, you don't want to be caught in the rain without a plan. Having your pre-approval ready means you can act fast and secure your spot before the next storm (or sunshine!) hits. 🏡✨

Don’t let the month slip away! Message us today to get started so you’re ready for whatever the market throws your way💪😎

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial D...
05/08/2026

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.

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you re...
05/06/2026

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. 🏠

05/05/2026

Happy Cinco de Mayo, ! Whether you're trying your hand at homemade tortillas, taking in a Mexican art exhibit, or dancing along to the festive sounds of a mariachi band, I wish you a joyful day of celebration. Total Home Lending is an Equal Housing Lender.

Congratulations to Barbara & Brian for closing on their conventional loan. I'm honored to have been able to assist you i...
05/05/2026

Congratulations to Barbara & Brian for closing on their conventional loan. I'm honored to have been able to assist you in your homeownership journey!🏠😀

Congratulations to Stacey & Hugh for closing on their conventional loan. Thank you for trusting me to assist you in your...
05/01/2026

Congratulations to Stacey & Hugh for closing on their conventional loan. Thank you for trusting me to assist you in your homeownership journey🏠😁

Congratulations to my client, Treb, for closing on his FHA loan! It was an honor to be a part of your homeownership jour...
04/17/2026

Congratulations to my client, Treb, for closing on his FHA loan! It was an honor to be a part of your homeownership journey🏡

Address

1901 S Euclid Avenue Ste 6
Bay City, MI
48706

Telephone

+19892396931

Website

,

Alerts

Be the first to know and let us send you an email when John Sursely - Total Home Lending posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to John Sursely - Total Home Lending:

Shortcuts

Share

Category