Jim Lovett, Loan Originator NMLS #161850

11/02/2026

Helping someone buy a home isn't a one-person job — and we're incredibly thankful for the partners who make it all possible. 🙏 A huge thank you to:

• 🏠 Insurance One for making sure every home is protected from day one
• 📋 Capital Title & Michigan Title for keeping closings smooth and stress-free
• 🏡 Rental Management One for supporting homeowners and investors every step of the way
• 🧡 The incredible real estate professionals we work alongside daily — your expertise and dedication mean everything

What makes us truly grateful? Having all of these services under one roof. 👐 For our clients, that means less running around, better communication, and a smoother experience from start to finish. Contact us to learn more about our services.

11/01/2026

According to new federal rules, national banks and federal savings associations can decide whether to pay interest or charge fees on mortgage escrow accounts. But stay tuned -- lawsuits are pending.

A new lawsuit challenges recently issued rules from federal banking regulators that preempts state laws requiring banks to pay interest on escrow accounts.

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! 🎃

10/29/2026

Curious how private mortgage insurance (PMI) fits into your monthly payment? This week's newsletter breaks down how PMI works from start to finish.

Your PMI questions, answered.

10/26/2026

Cool mornings and warm afternoons can make fall a tricky season to maintain comfortable temperatures inside. HVAC pros share how to stay cozy without overworking your system.

What temperature should you set your thermostat to this fall? HVAC experts share the best setting for comfort and energy efficiency.

10/26/2026

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! 🔑

10/24/2026

According to a recent study by Houzz, beige is quickly replacing gray as the go-to color for home exteriors. Find out why these warm neutrals are gaining popularity and how to use them effectively.

Beige has overtaken gray as the most popular exterior paint color, according to Houzz. Designers explain the trend and share five top paint picks.

10/21/2026

From hidden sculleries to islands that double as dining tables, kitchens are getting warmer and more livable. Here's a look at the designs expected to shape 2027.

From sculleries to smart tech, designers believe these trends will shape the heart of the home in the year ahead.

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! 🎃🔑

10/17/2026

🏡 Mortgage Servicing Transfers Explained
October 15 2026

Transferring a loan to a new mortgage servicer is a routine part of the industry, and it can happen for a variety of reasons at any point after closing. It's an operational decision, not a reflection on the borrower.

Here's a look at why transfers happen and how the process works.

What Mortgage Servicers Do

Each month, you send your mortgage payment to your mortgage servicer. While a lender originates your loan, a servicer manages it after closing. Sometimes they're the same company, and sometimes they're not. A servicer's responsibilities include processing monthly payments, managing escrow accounts, reporting to credit bureaus and answering borrower questions.

What Causes Servicing Transfers

Many lenders offload loans to specialized servicers to recoup the cost of origination and free up capital for future lending. Other lenders and servicers may transfer loans to rebalance their loan portfolios. Mergers and acquisitions can also cause transfers.

What Happens When Loans Are Transferred

A transfer has no impact on your interest rate, loan term and other terms from your original agreement. What changes is the company that manages your loan.

The Real Estate Settlement Procedures Act (RESPA) requires servicers to notify borrowers at least 15 days before the effective loan transfer date. This goodbye letter must include the name, address and phone number of the new servicer and the date they will begin accepting payments. It's followed by a welcome letter from the new servicer within 15 days after the transfer. In some cases, both notices arrive together as one letter.

The new servicer's name and contact details should match. If anything looks off, call your current servicer before sending a payment.

If you pay through autopay or your bank's bill pay, update it with your new servicer's details. Payments sent to the wrong servicer after a transfer may not be credited properly. RESPA provides a 60-day grace period after the transfer: on-time payments mistakenly sent to the previous servicer can't be treated as late.

Any questions about your loan or financing options? Reach out anytime. 734-718-4480