Danette Stanick NMLS 1291934

10/31/2026

No tricks, just treats and dreams of homeownership! 🏡🍬 Here's to spooky decorations, sweet memories, and a Halloween filled with fun! Happy Halloween from Total Home Lending! 🎃

10/31/2026

Witching you a fun, festive Halloween! May your candy supplies last until next year.

https://totalhomelending.com/danette-stanick-lo/

10/26/2026

Forget haunted houses—if you want to see a loan officer truly shake with fear, show them a borrower making major financial moves right before closing! 😱🎃

While you're out gathering treats this spooky season, make sure you aren't accidentally playing these financial "tricks" on your loan approval:

🚗 The Phantom Car Purchase: Buying or leasing a new vehicle before your loan funds can completely alter your debt-to-income ratio and kill your approval.

💳 The Furniture Store Poltergeist: Financed a whole house of new appliances or furniture to get that "special holiday deal"? Opening new credit lines sends a major jump scare to underwriting.

💼 The Shape-Shifting Career: Changing employers or quitting your job at the last minute disrupts your employment verification.

🏺 The Mystery Cash Crypt: Depositing large sums of unverified "can cash" or mattress money without a paper trail makes it impossible to verify your funds.

Don't let these mortgage horror stories haunt your dreams of homeownership! The best way to keep your loan process beautifully smooth and stress-free is to talk to us before making any financial moves.👻😎

Ready to find out your true buying power without the financial frights? Let's connect today and pave a clear path to your new home! 🔑🏡

10/26/2026

A home inspection can feel overwhelming — especially when issues start adding up. 🔍 Here's what inspectors commonly flag and what to budget for:

• Roofing issues 🏠 — aging shingles or flashing. Repairs range from a few hundred to $15,000+ for a full replacement
• Electrical problems ⚡ — outdated panels or wiring. Costs vary widely depending on severity
• Plumbing issues 🔧 — leaks, aging water heaters, low pressure
• Foundation cracks 🧱 — minor settling is normal; major issues can get costly
• HVAC problems ❄️ — older systems may need full replacement
• Water damage or mold 💧 — one of the most serious finds. Remediation costs vary widely

Don't panic over every finding — most issues are negotiable. The inspection is a tool, not a dealbreaker. 💡 We help you navigate it all. Contact us today! 🏠

10/19/2026

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! 🎃🔑

10/12/2026

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

One of the most common myths in home buying is: "I need 20% down to buy a home." This is simply not true. 🚫 For many buyers, down payment assistance programs (DPA) can make homeownership even more accessible.

Down payment assistance can come in various forms:
✅ Grants — money that does not need to be repaid 🎁
✅ Forgivable second loans.
✅ Low-interest deferred loans. 📉
✅ Matched savings programs. 💰

Availability varies by state, county, and income level — but there are programs out there for many types of buyers, including first-timers, educators, veterans, and more. 🏠

You might qualify for more assistance than you realize. 💡 We work with a variety of DPA programs and can help you find what's available in your area. Reach out, and let's explore your options!

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🤝

09/22/2026

09/21/2026

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.