Home Loans By Tera #2115126

Home Loans By Tera #2115126 Leading Michigan Mortgage Loan Officer dedicated to making your home-buying journey smooth and stress-free. Let's get you home!

I keep things transparent, simple, and clear from start to closing.

šŸ”A lot of people hear the words ā€œreverse mortgageā€ and immediately think something negative. But for the right person, i...
05/19/2026

šŸ”A lot of people hear the words ā€œreverse mortgageā€ and immediately think something negative. But for the right person, it can actually be a powerful financial tool.

Did you know a reverse mortgage may help seniors:
ā€¢ Eliminate their monthly mortgage payment
ā€¢ Access cash from their home equity
ā€¢ Stay in their home longer
ā€¢ Create more breathing room during retirement

And no ā€” the bank does NOT automatically ā€œtake your house.ā€ šŸ˜Š

Like any mortgage, itā€™s important to understand how it works and whether it truly makes sense for your situation.

Quick question:
If you could remove your mortgage payment during retirement, would that reduce stress for you or someone you love?

Iā€™m happy to answer questions with zero pressure and help people understand the facts vs. the myths about reverse mortgages.



šŸ” Wealth isnā€™t just about incomeā€¦ itā€™s about ownership.Did you know the average homeownerā€™s net worth is dramatically hi...
05/14/2026

šŸ” Wealth isnā€™t just about incomeā€¦ itā€™s about ownership.

Did you know the average homeownerā€™s net worth is dramatically higher than the average renterā€™s? A home isnā€™t just a place to live ā€” it can become one of the biggest tools for building long-term wealth. šŸ’°

Whether youā€™re thinking about buying your first home, upgrading, or investing, understanding your options is the first step.

āœØ You may be closer than you think.

šŸ“© Message me anytime to talk about your homeownership goals!

#2115126

šŸ” Right now, I have a special program that could significantly lower your interest rate and house payment for your first...
05/13/2026

šŸ” Right now, I have a special program that could significantly lower your interest rate and house payment for your first year in your new home. šŸ‘

That means a little extra money in your pocket while you get settled in.

Want to see if you qualify?

05/04/2026

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Have you ever been told you canā€™t use your VA loan again because your entitlement shows $0? šŸ¤”I hear this ALL the time......
05/03/2026

Have you ever been told you canā€™t use your VA loan again because your entitlement shows $0? šŸ¤”

I hear this ALL the time...and itā€™s usually not true.

That $0 you see on your Certificate of Eligibility is only referring to a small portion called your ā€˜basic entitlement.ā€™ It does NOT mean youā€™re out of benefits.

In many cases, you can still:
ā€¢ Buy another home with your VA loan
ā€¢ Purchase with little to no money down
ā€¢ Keep your current home as a rental

I just helped someone who was told they needed to buy their new primary home at $157K minimumā€¦ when in reality, they could go well over $500K with zero down.

VA loans are one of the most powerful tools out thereā€”but theyā€™re often misunderstood.

If youā€™re not sure what you qualify for, Iā€™m happy to take a look and break it down for you šŸ˜Š

05/01/2026

Iā€™m officially licensed in Florida šŸļø

That means I can now help with:
ā€¢ Primary homes
ā€¢ Second homes
ā€¢ Investment properties (including DSCR loans)

If youā€”or someone you knowā€”is looking to buy or invest in Florida, Iā€™ve got you covered from start to finish.

Same fast closings. Same solid strategy. Just a bigger map now.

Letā€™s make it happen! Call, text or DM (810) 333-1698

Started a business and thinking about buying a home? Hereā€™s the truth šŸ‘‡First offā€¦ I love this move šŸ‘But when it comes to...
04/20/2026

Started a business and thinking about buying a home? Hereā€™s the truth šŸ‘‡

First offā€¦ I love this move šŸ‘

But when it comes to getting a mortgage, hereā€™s what you need to know:

šŸ‘‰ Most loan programs require a 2-year history before we can use business income

šŸ‘‰ If your business is new, we likely canā€™t use that income yet

šŸ‘‰ And hereā€™s the kickerā€¦
Those tax write-offs? Great for taxesā€¦
But they can actually lower the income we can use to qualify šŸ˜…

So what can you do right now?

You may still qualify using W2 or other stable income
It just comes down to structuring things the right way

Bottom line:
Starting a business doesnā€™t mean you canā€™t buy a homeā€¦ it just changes the strategy.

If youā€™re in this situation, letā€™s map out a plan so you know exactly where you stand.

No guesswork šŸ‘

Thinking about buying a homeā€¦ but had a bankruptcy? Read this: šŸ‘‡A lot of people think bankruptcy means youā€™re out of the...
04/20/2026

Thinking about buying a homeā€¦ but had a bankruptcy? Read this: šŸ‘‡

A lot of people think bankruptcy means youā€™re out of the game for years.

Not true.

šŸ‘‰ Chapter 7
You can typically qualify 2 years after discharge

šŸ‘‰ Chapter 13
You may be able to buy after 12 months of on-time payments (with court approval)

So noā€¦ bankruptcy doesnā€™t automatically disqualify you.

What matters most now:

āœ…Rebuilding your credit
āœ…Staying current on all payments
āœ…Having a solid game plan

Bottom line:
Iā€™ve seen people wait yearsā€¦ when they couldā€™ve bought much sooner.

If youā€™ve had a bankruptcy and youā€™re even thinking about buying, itā€™s worth a quick conversation to see where you stand.

No pressure, just clarity šŸ‘ Lets chat about your options!

šŸ“ Attention self-employed buyers: writing off everything on your taxes is great for your tax bill, but not so helpful wh...
04/11/2026

šŸ“ Attention self-employed buyers: writing off everything on your taxes is great for your tax bill, but not so helpful when getting a mortgage.

Here's why: lenders qualify you based on your taxable income ā€” the number after all those deductions. If your Schedule C shows $30K after write-offs but you actually deposited $120K, we have a gap to work with.

The good news? You have options:

āœ… Bank statement loans ā€” we use 12-24 months of deposits instead of tax returns
āœ… P&L loans ā€” a CPA-prepared profit & loss statement can qualify you
āœ… Non-QM programs specifically designed for business owners

Being self-employed doesn't mean you can't buy a home. It just means you need the right lender who knows how to work with your situation. That's exactly what I do. šŸ’¼

šŸ“ž (810) 333-1698 | HomeLoansbyTera.com

šŸ’¬ I hear this more than you'd think: "I want to buy a house, but I only have a few hundred dollars saved and my credit i...
04/09/2026

šŸ’¬ I hear this more than you'd think: "I want to buy a house, but I only have a few hundred dollars saved and my credit isn't great."

My answer? Let's build a plan.

Buying a home isn't always about where you are today ā€” it's about knowing what steps to take to get there. Here's what I tell every buyer in this situation:

āœ… Start with a free credit review so you know exactly what's dragging your score down
āœ… Identify 2-3 specific actions that can move your score in 60-90 days
āœ… Look at down payment assistance programs ā€” there is money available for qualified buyers
āœ… Set a savings target and a timeline that's actually achievable

Don't let where you are right now stop you from starting the conversation. The path to homeownership begins with one call. šŸ”

šŸ“ž (810) 333-1698 | HomeLoansbyTera.com

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