Joe Gracia - Total Home Lending

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

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a ...
09/01/2026

If you're getting serious about buying, what you do (and don't do) in the months leading up to your purchase can make a big difference. Here's a quick guide: 📋

✅ DO:
• Get pre-qualified early 🏁
• Save consistently for your down payment and closing costs 💰
• Pay bills on time to protect your credit score 📅
• Keep your employment situation stable 💼
• Ask questions — no question is too small 🙋

❌ DON'T:
• Open new lines of credit or apply for new loans
• Make large unexplained deposits into your bank accounts 🏦
• Change jobs right before applying (if you can help it)
• Make big purchases — cars, furniture, appliances can wait 🛑
• Co-sign on someone else's loan

Some of these might seem obvious, but you'd be surprised how often small decisions before closing can complicate the process. The good news? We walk you through all of it. 🏠 Contact us today to get started on the right foot!

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your f...
08/25/2026

Back-to-school season is an excellent reminder that planning ahead pays off — whether it's for school supplies or your financial future. 🎒 If homeownership is one of your goals, here are a few straightforward ways to start building toward it:

💰 Set a monthly savings target specifically for your down payment.
📉 Pay down high-interest debt to improve your DTI ratio.
📊 Check your credit report for errors (available for free at annualcreditreport.com).
🏠 Investigate down payment assistance programs in your area.
📞 Schedule a free consultation with a mortgage professional — yes, us!

You don't need to have everything figured out before reaching out. That's what we're here for — to help you understand your current situation and where you need to go. 🏠 Contact us today, and let's create a plan!

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:✅...
08/18/2026

If you already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:

✅ Lower your monthly payment 💸
✅ Secure a lower interest rate 📉
✅ Shorten your loan term ⏳
✅ Switch from an ARM to a fixed-rate loan 🔒
✅ Tap into your home's equity (cash-out refinance) 💰

A good rule of thumb: if you can lower your rate meaningfully, it's worth the conversation. But the right timing also depends on how long you plan to stay and what fees are involved. 💡 We'll help you run the numbers. Contact us to explore your refinance options! 💬

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understan...
08/11/2026

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understanding. 📊 With an ARM, your interest rate is fixed for an initial period (commonly 5, 7, or 10 years), then adjusts periodically based on market conditions.

Pros: 👍
✅ Lower initial rate than a 30-year fixed.
✅ Can be an excellent fit if you plan to move or refinance before the adjustment period.

Cons: ⚠️
📉 Rate may rise after the fixed period.
📋 Less predictability over the long term.

ARMs aren't suitable for everyone — but for the right buyer, they can offer genuine savings. 💡 Let's discuss whether it makes sense for your situation. Contact us to explore all your mortgage options! 🏠

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you b...
08/04/2026

If you've ever spent a summer weekend in the U.P. and thought "I could live here" — you're not alone. 🌲 But before you buy that cabin or waterfront property, here's what to keep in mind:

• Larger down payment required — vacation and investment properties typically need more down 💰
• Rental income is handled differently — if you plan to rent seasonally, lenders account for that income in a specific way 🏡
• Seasonal costs add up — insurance, utilities, and maintenance look different on a property you're not living in year-round ❄️
• Rural financing has unique nuances — not every lender is experienced with cabins and UP properties. We are. 🏠

We love helping Michiganders make their up north dream a reality. Contact us to explore your options today! 🔑

Conventional loans are the most common type of mortgage — but what distinguishes them from FHA or VA loans? Here's a qui...
07/28/2026

Conventional loans are the most common type of mortgage — but what distinguishes them from FHA or VA loans? Here's a quick breakdown: 📋

✅ Not backed by the government (unlike FHA or VA).
✅ Typically require a minimum 3–5% down payment. 💰
✅ Best rates go to borrowers with stronger credit scores.
✅ No mandatory mortgage insurance with 20%+ down. 🛡️
✅ Available in standard and jumbo amounts.

Unsure if a conventional loan is the right choice for you? That's what we help clarify. Every buyer's situation is unique. 🏠 Contact us to discuss which loan program aligns with your goals!

One of the major benefits of homeownership is building equity — but what does that mean? 🤔 Home equity is the portion of...
07/21/2026

One of the major benefits of homeownership is building equity — but what does that mean? 🤔 Home equity is the portion of your home that you truly "own." It's calculated as:

🏠 Home's Current Market Value – What You Owe on Your Mortgage = Equity

For example: If your home is valued at $350,000 and you owe $250,000, you have $100,000 in equity. 💰 Equity builds in two ways:
1. As you pay down your mortgage principal.
2. As your home's value appreciates over time. 📈

Equity can be utilized for renovations, college tuition, emergency funds, or even a down payment on your next home. The sooner you buy, the sooner equity starts working for you. 💪 Have questions about your options? Let's discuss. Contact us today!

Whether it's painting a wall a new color, enjoying a backyard with a pet, or adding flowers to the garden — owning a hom...
07/14/2026

Whether it's painting a wall a new color, enjoying a backyard with a pet, or adding flowers to the garden — owning a home is one of the most meaningful expressions of personal freedom. 🎆

Homeownership signifies:
🏠 Stability for your family.
🔑 The freedom to make your space truly yours.
💰 Building wealth over time.
🌳 Roots in your community.

If homeownership is one of your goals, now is the perfect time to start the conversation. Whether you're months away or just beginning to explore, we're here to help you understand your options and chart a path forward. Wishing you and your family a safe and joyous Fourth of July! 🎇🇺🇸

If you've been researching mortgages, you've likely come across PMI — private mortgage insurance. Here's what you need t...
07/07/2026

If you've been researching mortgages, you've likely come across PMI — private mortgage insurance. Here's what you need to know: 💡 PMI is typically required when your down payment is less than 20% of the home's purchase price. It protects the lender (not you) in case you default on the loan.

The good news? 🙌
• PMI is temporary — once you reach 20% equity in your home, you can request to have it removed. 📉
• It's often a minor monthly cost and doesn't have to be a dealbreaker.
• Some loan programs (like VA loans) don't require PMI at all. 🎖️

For many buyers, paying PMI makes sense — it allows you to buy sooner instead of waiting years to save a larger down payment. 🏠 We can help you weigh the pros and cons for your specific situation. Contact us today! 💬

Summer isn't just prime homebuying season — it's also the perfect time to tackle projects that make your home worth more...
06/30/2026

Summer isn't just prime homebuying season — it's also the perfect time to tackle projects that make your home worth more. 🔨☀️ These upgrades tend to deliver the biggest bang for your buck:

🎨 Fresh exterior paint — high ROI and instant curb appeal
🍳 Kitchen updates — new hardware, lighting, or a fresh backsplash can go a long way
🌿 Deck or patio addition — outdoor living space is a major selling point
🌱 Landscaping — mulch, trimmed edges, and a few plants signal a well-maintained home
🚿 Bathroom refresh — updated fixtures or tile can modernize a space without a full remodel

Thinking about selling after your summer projects wrap up? Let's talk about what your home could be worth and how to plan your next move. Contact us today! 🔑

Address

6024 Eastman Avenue , Suite A
Midland, MI
48640

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