Mike Tuley, Mortgage Banker - Total Mortgage

02/01/2024

Good Afternoon to all my Real Estate Peeps in Facebook Land if you're free and can make this seminar I highly recommend it. It will be very informational and help to arm you with the knowledge to set yourself apart. Please RSVP early as seating is limited.

01/31/2024

Make sure you start the pre-approval process as soon as you even think you might want to buy a home to ensure you eliminate any roadblocks that may appear.

01/06/2024

5.0 star review received on Experience.com for Michael Tuley by Mary L M - Mike explained everything so well it made it easy for me to gather everything he asked for, plus he always kept me informed with all the updates. So happy to have chosen him as my broker. I highly recommend Michael Tuley.

Click to see all 21 reviews of Michael Tuley, Mortgage Banker | NMLS # 1741440

12/27/2023

5.0 star review received on Experience.com for Michael Tuley by James A W I - Michael Tuley was an essential part in my family acquiring our home. I can’t thank Michael enough for his knowledge, availability, and willingness to work with us. Were extremely thankful.

Click to see all 20 reviews of Michael Tuley, Mortgage Banker | NMLS # 1741440

12/23/2023

Congrats on a very special Christmas Present for this family. I am honored you allowed me to help deliver this wonderful home to your family. Special thanks to some additional team members that were instrumental to making this happen Janay Carter for finding the home and negotiating the winning offer, and Potok Law, LLC for ensuring a smooth closing.

12/19/2023

I believe this 100% and I hope you'll consider me when you or someone you know is need of mortgage assistance whether that is a purchase or refinance or even just questions to get you started.

12/15/2023

POSTED BY A FELLOW INDUSTRY PROFESSIONAL AND COULDN'T BE MORE ACCURATE SO I HAD TO SHARE!

Proceed with CAUTION⚠️.
You will begin seeing posts about mortgage interest rates finally coming down. I'll spare you the reasons why they are coming down, however, here's why you need to be careful. 😊🗝️🏡⬇️⬇️
If you do not own a home jump to #4.
1 - You may (will) start receiving phone calls, emails, texts, DM's about refinancing. Many from lenders you don't know and who are simply trying to make a "sale". It's been a slow year, so many are getting aggressive. Just talk to your loan officer, or someone you know - you like - and you trust who won't steer you wrong.
2 - Is it too soon? Did you just buy a home? If you did and you paid to permanently buy down your interest rate, that buy-down will be money lost. If you did a temporary buy down you will get the remaining money back. An analysis should be done to see if you are financially coming out ahead.
3 - If you closed on your loan within the last 6 months, please talk to the loan officer that did your loan. Loan officers can be heavily penalized (they pay back everything they made when they did your loan and often more) if you pay off your loan too soon. Usually about 6 payments. This is never discussed but it's a reality that loan officers live with and can be devastating to them. If you ARE going to refinance, give them the courtesy and the opportunity to discuss your situation. And it gives them the chance breakeven. They will get paid on the refinance, but that will all be paid back on the loan you are paying off early in a penalty to them (not you). Totally not fair, but that's the mortgage world.
4 - Will interest rates fall further? Probably. Will we see 3% again? No. But rates will likely continue to rise and fall, with a downward slope likely for at least a little while. Of course, there are no guarantees where they will settle in. 💰
5 - And finally, for those buying a home - don't stay on the fence. If you can afford the payment, just jump off that fence. When the weather warms up and if interest rates are still down, the competition will heat up. And that's just no fun because you will pay more for the house. 🏡🏡
If you have questions, please reach out to me. I'll make sure you have the right information to move forward... or to wait.🏡😊🗝️

860-670-0877

12/01/2023

Another CHFA w/DAP and TTO closed. So happy for the new homeowners and grateful for their patience. As I stated before this program needs to be handled by the experts and Total Mortgage Glastonbury - NMLS # 2386314 are just that. With a team of caring and knowledgeable experts you can bet we'll deliver as promised. Thank you for the hard work of the Realtor Dolores Melendez, Century 21 All Points Realty and the always appreciated professionalism and communication as well as the Law Office of Mancuso Carey LLC.

11/18/2023

If you know CHFA, Down Payment Assistance and Time To Own then you know the complexities and tight requirements necessary to get one to the finish line. Well Total Mortgage Glastonbury - NMLS # 2386314 has succeeded time and again and should be your go to for these loans. And here is the latest success story so congrats to our clients on their purchase and a big thank you to the whole team involved including Realtor extraordinaire Dolores Melendez, Century 21 All Points Realty and The Law Offices of Ruben E Acosta LLC

10/05/2023

Click to see all 19 reviews of Michael Tuley, Mortgage Banker | NMLS # 1741440

10/05/2023

5.0 star review received on Experience.com for Michael Tuley by Jenee B - Michael took the time to break down everything from the loan terms to locking in our rate, etc. He explained things my sister and I didn’t know about when it came to a mortgage loan. We are thankful he was able to help us through this process.

Click to see all 19 reviews of Michael Tuley, Mortgage Banker | NMLS # 1741440