Danette Stanick NMLS 1291934

Danette Stanick NMLS 1291934 Danette Stanick NMLS #1291934 - Total Home Lending
[email protected]
Senior Loan Officer

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...
06/08/2026

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!

Cheers to National Homeownership Month 🏠🎉 — and to everyone who made the leap into a home of their own this year. It is ...
06/02/2026

Cheers to National Homeownership Month 🏠🎉 — and to everyone who made the leap into a home of their own this year. It is one of the biggest steps you can take, and we are proud to be part of the journey. 🔑

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.

05/29/2026

The end of May has arrived and the beginning of National Homeownership Month, June, comes to us on Monday🙌 Thank you SO much to all of our 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, any of our team would be happy to be of assistance🤝

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️
05/25/2026

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔💸 When you rent, your...
05/25/2026

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! 👐

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial D...
05/18/2026

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.

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💪😎

If you've begun exploring mortgage options, you've probably encountered fixed-rate loans. Here's what you should know: 🏠...
05/11/2026

If you've begun exploring mortgage options, you've probably encountered fixed-rate loans. Here's what you should know: 🏠

A fixed-rate mortgage keeps your interest rate constant for the entire duration of the loan — whether that's 10, 15, 20, or 30 years. The advantages? 👍

✅ Predictable monthly payments (easy budgeting). 📅
✅ Protection against rising interest rates. 🛡️
✅ Peace of mind — no unexpected changes.

Not sure which term suits you best? That's exactly what we're here to help you determine. Every situation is unique, and we'll assist you in finding the best fit. 🏠 Contact us to explore your options!

To every mom who turns a house into a home, thank you. You make it all mean something. Happy Mother's Day! 🌸❤️
05/10/2026

To every mom who turns a house into a home, thank you. You make it all mean something. Happy Mother's Day! 🌸❤️

Address

1901 S Euclid Avenue, Suites 4 & 6
Bay City, MI
48706

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19892848946

Website

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