Danette Stanick NMLS 1291934

08/05/2026

A record month at Total Home Lending! 🎉

In 54 years of helping people finance their homes, we've never closed this many purchases in a single month.

Programs for every borrower. Communication that keeps you informed every step. And a team that lives and works in the same communities we serve. Over 57% of our purchase closings this month were first-time homebuyers, proof that when you make homeownership approachable, people show up ready to buy.

Thank you to our loan officers, referral partners, and clients for trusting us with one of life's biggest milestones.

08/04/2026

July was a record-breaking month for our team and we are VERY grateful for every single person that we had the opportunity to help😍 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🤝

08/03/2026

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your financial future. 🎒 If homeownership is one of your goals, here are a few straightforward ways to start building toward it:

💰 Set a monthly savings target specifically for your down payment.
📉 Pay down high-interest debt to improve your DTI ratio.
📊 Check your credit report for errors (available for free at annualcreditreport.com).
🏠 Investigate down payment assistance programs in your area.
📞 Schedule a free consultation with a mortgage professional — yes, us!

You don't need to have everything figured out before reaching out. That's what we're here for — to help you understand your current situation and where you need to go. 🏠 Contact us today, and let's create a plan!

07/27/2026

One of the major benefits of homeownership is building equity — but what does that mean? 🤔 Home equity is the portion of your home that you truly "own." It's calculated as:

🏠 Home's Current Market Value – What You Owe on Your Mortgage = Equity

For example: If your home is valued at $350,000 and you owe $250,000, you have $100,000 in equity. 💰 Equity builds in two ways:
1. As you pay down your mortgage principal.
2. As your home's value appreciates over time. 📈

Equity can be utilized for renovations, college tuition, emergency funds, or even a down payment on your next home. The sooner you buy, the sooner equity starts working for you. 💪 Have questions about your options? Let's discuss. Contact us today!

07/23/2026

Help your loved ones secure the home they deserve with a Family Opportunity Mortgage👪❤️ With this special loan, you can secure owner-occupied financing even if you won't be living in the house. A family opportunity mortgage may be used:

✅When parents or legal guardians of a disabled adult child want to provide housing for the child.

✅When children want to provide housing for parents who cannot qualify for a mortgage due to low income or inability to work.

Contact me to learn more about the necessary qualifications. We're here to help make homeownership goals happen. ✨

07/20/2026

If you've been researching mortgages, you've likely come across PMI — private mortgage insurance. Here's what you need to know: 💡 PMI is typically required when your down payment is less than 20% of the home's purchase price. It protects the lender (not you) in case you default on the loan.

The good news? 🙌
• PMI is temporary — once you reach 20% equity in your home, you can request to have it removed. 📉
• It's often a minor monthly cost and doesn't have to be a dealbreaker.
• Some loan programs (like VA loans) don't require PMI at all. 🎖️

For many buyers, paying PMI makes sense — it allows you to buy sooner instead of waiting years to save a larger down payment. 🏠 We can help you weigh the pros and cons for your specific situation. Contact us today! 💬

07/14/2026

07/13/2026

Whether it's painting a wall a new color, enjoying a backyard with a pet, or adding flowers to the garden — owning a home is one of the most meaningful expressions of personal freedom. 🎆

Homeownership signifies:
🏠 Stability for your family.
🔑 The freedom to make your space truly yours.
💰 Building wealth over time.
🌳 Roots in your community.

If homeownership is one of your goals, now is the perfect time to start the conversation. Whether you're months away or just beginning to explore, we're here to help you understand your options and chart a path forward. Wishing you and your family a safe and joyous Fourth of July! 🎇🇺🇸

07/07/2026

We are officially halfway through 2026 and a new month is here😍 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🤝

07/06/2026

Conventional loans are the most common type of mortgage — but what distinguishes them from FHA or VA loans? Here's a quick breakdown: 📋

✅ Not backed by the government (unlike FHA or VA).
✅ Typically require a minimum 3–5% down payment. 💰
✅ Best rates go to borrowers with stronger credit scores.
✅ No mandatory mortgage insurance with 20%+ down. 🛡️
✅ Available in standard and jumbo amounts.

Unsure if a conventional loan is the right choice for you? That's what we help clarify. Every buyer's situation is unique. 🏠 Contact us to discuss which loan program aligns with your goals!