Joe Gracia - Total Home Lending

Home
United States
Midland, MI
Joe Gracia - Total Home Lending

Its all about great Customer Service! It's all about service at , and our company has been meeting the needs of home-buyers across the United States since 1972.

I joined Total Home Lending because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools. Since joining Total Home Lending, I have helped many individuals and families attain the dream of home-ownership. Whether you want to buy a new home or refinance an existing mortga

ge, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises. Total Home Lending is a Michigan based company and a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house-all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible. I will be in control of your loan file from start to finish, and we will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice. I invite you to put us to the test. Let us show you how simple and easy securing a mortgage can be. Joe Gracia NMLS 127995
Equal Housing Lender
Staunton Financial Inc. DBA Total Home Lending, NMLS #140012
Ste. 110, 25800 Northwestern Hwy., Southfield, USA

06/23/2026

You've got the offer accepted — congratulations! 🎉 But what comes next? The period between acceptance and closing can feel overwhelming. Here's a simplified overview of what to expect:

📋 Loan Application — Your formal mortgage application is submitted.
🔍 Home Inspection — A professional inspects the property for any issues.
🏡 Appraisal — A licensed appraiser verifies the home's value.
📂 Underwriting — The lender reviews all your documents and the property.
✅ Clear to Close — Your loan is approved, and you're almost there!
👀 Final Walkthrough — A last look at the home before closing day.
🔑 Closing Day — Sign the paperwork and receive the keys.

Staying responsive and having your documents ready helps keep the process moving smoothly. We guide you through every step. Contact us to learn more! 🏠

06/21/2026

To all the dads, stepdads, and father figures who work hard to give their families a good life — today is for you. Happy Father's Day! 🏆🏠

06/19/2026

Today we celebrate freedom, resilience, and the ongoing pursuit of equality for all. Wishing everyone a meaningful day of reflection and celebration. ❤️🖤💚

06/16/2026

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!

06/09/2026

Summer is one of the busiest seasons in real estate — more listings, more buyers, and increased competition. ☀️ Whether you're just starting or actively searching, here's how to stay ahead:

🏠 Get pre-qualified BEFORE you fall in love with a house.
📝 Know your must-haves versus nice-to-haves.
⚡ Be prepared to act quickly — desirable homes don't last long in summer.
💰 Understand your budget beyond just the mortgage (taxes, insurance, HOA fees).
🤝 Collaborate with a team that can facilitate an efficient closing process.

Summer inventory tends to be higher, which is excellent news for buyers. However, so is the competition. Being prepared gives you a significant advantage. 💪

Let's get you ready for your next chapter. Reach out today to discuss your goals! ☀️🔑

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. 🔑

05/26/2026

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.

05/25/2026

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

05/19/2026

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! 👐

05/12/2026

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you receive. Here's a quick overview: 📊

📈 760+: You'll likely qualify for the best available rates.
✅ 700–759: Good standing, competitive rates.
⚠️ 660–699: May qualify, but rates will be slightly higher.
📉 Below 620: Qualifying can become more challenging (but not impossible!).

Even a minor improvement in your credit score can save you thousands over the life of a loan. Here's how to enhance it: 💡
• Pay bills on time — this is the top factor. 📅
• Maintain credit card balances below 30% of your limit.
• Avoid opening new lines of credit before applying for a mortgage.
• Don't close old accounts (length of credit history matters).

Curious about where you stand? Let's discuss your options. We assist buyers at all stages. 🏠

Address

6024 Eastman Avenue , Suite A
Midland, MI
48640

Website

https://loop.totalhomelending.com/dr/c/zuqeq

Alerts

Be the first to know and let us send you an email when Joe Gracia - Total Home Lending posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Joe Gracia - Total Home Lending:

Shortcuts

Want your business to be the top-listed Finance Company in Midland?