Lanie Conklin - SVP of Mortgage Lending

Lanie Conklin - SVP of Mortgage Lending Posts are not to be considered legal advice, terms & conditions apply.

I am an SVP of Mortgage Lending NMLS 106499 at Total Mortgage Services
The views expressed on this site are my own and do not necessarily reflect the views of Total Mortgage Services.

06/09/2026

Your budget isn’t the list price, it’s the monthly payment👏🏻 And the town you buy in can completely change that number.

Two $800K homes can feel VERY different when one has $12K in taxes and the other has $22K.

This is why we always look at the full picture: price, taxes, rate, down payment, insurance, and monthly comfort zone.

Start with the payment, then back into the house🏡

06/02/2026

This is strong. I’d polish it like this:

You might be able to afford the $800,000 house in Mahwah, but not the $800,000 house in Ridgewood.

Why? Taxes.

The listing price is only one piece of the puzzle. Your monthly payment is what actually determines affordability, and property taxes can drastically change what that number looks like.

This is the point I always drive home with my clients: your budget is not the listing price, it’s the monthly payment 👏🏻

05/31/2026

I tell all of my buyers this: your housing budget and your purchase price are not the same thing.

Instead of telling me what price point you want to shop at, tell me what monthly payment feels comfortable. From there, we can work backwards.

There’s so much that impacts your monthly payment:
• Property taxes
• Down payment amount
• Interest rate
• HOA fees
• Homeowners insurance

Two $800,000 homes can have vastly different monthly payments depending on these factors.

When it comes to buying a home, the sale price is not where we start. The monthly payment is.

05/26/2026

“Don’t buy a new car while trying to buy a house” …not always true👏🏻

Life happens. Sometimes your lease is up, your car breaks down, or you simply need a new vehicle while you’re in the middle of your home search!

The key is keeping your mortgage lender in the loop *before* making the purchase so we can make sure the new payment doesn’t impact what you qualify for.

A quick conversation can save you a lot of stress later on.

Did you buy a new car during your home search? Did it affect your buying power?⬇️

05/24/2026

I promise I’m not trying to be nosy — your credit report is one of the biggest pieces of the puzzle when it comes to getting you the best loan options possible🏡💳

P.S. thank you to my son for this fantastic rendition of Beat It😂

05/21/2026

Comment CREDIT for my *free* Credit Repair Guide💳

If your credit score is holding you back from buying a home, don’t panic just yet. There are a few strategic ways to start improving it FAST👏🏻 Keep watching for 5 tips that can help raise your score in the short term.

I’ve seen so many buyers assume homeownership is out of reach because of their credit…when in reality, they just needed the right game plan and guidance.

Don’t let bad credit stand in the way of your goals. With the right support, becoming a homeowner may be closer than you think🏡

05/19/2026

In case you needed the reminder: high income *does not* equal high credit score👀

Your income tells the bank how much you make…but your credit score tells them how risky you are. And if your score is low? That usually signals late payments, high balances, or inconsistent credit habits🫣

High risk = high interest rates.

The good news? There are actually a few quick things you can do to start raising your score in the short term🙌🏻 Stay tuned because I’m sharing my top tips soon…

Equity is the part of your home that’s actually yours.And many homeowners have more of it than they realize.Contact me t...
05/15/2026

Equity is the part of your home that’s actually yours.
And many homeowners have more of it than they realize.

Contact me to find out where you stand.

Spring cleaning is great…but spring moving might be even better.Contact me to talk through your next steps.
05/13/2026

Spring cleaning is great…
but spring moving might be even better.

Contact me to talk through your next steps.

That “oh wow” moment is when renting stops feeling like the only option.Contact me to see what ownership could look like...
05/06/2026

That “oh wow” moment is when renting stops feeling like the only option.

Contact me to see what ownership could look like for you.

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54 Main Street
Hackensack, NJ
07601

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