Joe Gracia - Total Home Lending

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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

06/02/2026

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. 🏠

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! 🌸❤️

05/05/2026

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!

04/28/2026

What is a DTI? Your DTI is the percentage of your gross monthly income that is allocated to paying debts (including car payments, student loans, credit cards, and your future mortgage). Here's how it's calculated: 📊

Total monthly debt payments ÷ Gross monthly income = DTI%
For instance: If you earn $5,000/month and have $1,500 in monthly debts, your DTI is 30%. 🧮

Why does it matter?
• Most loan programs prefer a manageable DTI ratio
• A lower DTI can help you secure better loan terms 📉
• It's a major factor that lenders examine

Have questions about how DTI affects your loan options? We're here to assist you. Contact us today! 🏠

04/21/2026

If you've looked at mortgage offers, you may have noticed two distinct numbers: the interest rate and the APR. Here's the distinction: 🔍

🏷 Interest Rate: The cost of borrowing the principal loan amount, expressed as a percentage.

🏷 APR (Annual Percentage Rate): A broader measure that includes the interest rate PLUS additional costs such as lender fees, mortgage points, and some closing costs. 📋

When comparing loan offers, always examine both, and don't hesitate to ask questions. 🙋 Understanding the total cost of your loan is one of the best ways to safeguard yourself as a buyer. 🏠 We love clarifying these concepts. Reach out with any mortgage questions — no query is too basic!

04/14/2026

Do you buy a brand-new build or an existing home? Both have real advantages, so here's a quick breakdown 👇

New Construction ✨
• Everything is brand new — no repairs or updates needed right away 🔨
• Modern layouts, energy-efficient features, and builder warranties
• You may be able to customize finishes and fixtures 🎨
• Longer timeline — you're waiting for the home to be built ⏳

Existing Homes 🏠
• More options available in more locations 📍
• Established neighborhoods with mature landscaping and character 🌳
• Typically faster to close
• May need updates or repairs — but often more negotiating room on price 💰

It really comes down to your timeline, budget, and priorities. The good news? We can help you finance both. Let's talk through what makes the most sense for your situation. 📱

Address

6024 Eastman Avenue , Suite A
Midland, MI
48640

Website

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

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