Home Loans By Tera #2115126

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New Hudson, MI
Home Loans By Tera #2115126

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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.

11/01/2026

Down payment assistance can be a great tool, but here’s the part people sometimes miss: read the fine print! 👀

Every DPA program has its own rules. Credit score requirements, repayment terms, forgiveness periods, interest rates, and other details can vary.

That doesn’t make DPA a bad option. It just means you should understand exactly how your program works before you use it.

Your lender should walk you through all of that.

If you’re looking at DPA, reach out to me. I have all the options listed below and I can review your specific situation and help you figure out which one makes the most sense for you. 👍

10/23/2026

🎯 What is a credit score and why is it so important?

Think of it like a financial resume that contains the history of your borrowing habits. The higher your scores, the less of a risk you are and the more likely you are to be approved.

Having a solid credit foundation is key to becoming a homeowner and setting yourself up for financial success in the future.

Questions? Leave a comment below or shoot me a message.

10/18/2026

Another happy homeowner! 🏡✨

This condo came with a few HOA-related hurdles, but that didn’t mean the deal was dead. We worked through the issues, kept everyone informed, and got it to the closing table on time.

Not every loan is perfectly straightforward. Sometimes the difference is having someone who knows how to troubleshoot instead of giving up at the first obstacle.

If you’re buying a condo and there are HOA questions, don’t assume it can’t be done. Let’s take a look at it first.

Thanks to the fantastic team as well! Michael Martz, Liberty Title Michigan, United Wholesale Mortgage

10/16/2026

Think your credit score is too low to buy a home? 🏡

It might be closer than you think. I put together a free Credit Game Plan that shows:
✔️ Which score mortgage lenders actually use (hint: it’s probably not the one in your app)
✔️ What to look for on your credit report
✔️ The habits that help you get mortgage-ready

👇 The link is in the comments. It’s free, no strings attached.

10/01/2026

🏡 Medical Professionals!
You may have more home financing options than you realize.

Our Doctor Loan program may offer up to 100% financing, no mortgage insurance, loan amounts up to $2 million, and the ability to close before your new employment begins!

Eligible professions include physicians, dentists, pharmacists, veterinarians, optometrists, nurse practitioners, physician assistants, CRNAs, podiatrists, and qualifying medical residents/fellows.

If you’re buying or refinancing, let’s see whether this program fits your situation.

09/30/2026

🔨 You can borrow the money to fix the house, in the same loan you use to buy it.

Most buyers walk away from the ugly house. Dated kitchen, bad roof, carpet from another decade. They assume they'd need cash on top of the purchase to deal with it.

🏚️ Renovation loans exist for exactly this. The purchase and the repairs go into one loan, based on what the house will be worth after the work.

It's a more involved process. There are contractor requirements, inspections, and timelines that a standard purchase doesn't have. I'm not going to tell you it's simple.

But the houses nobody else wants are the ones with the least competition. And in a market where everybody is fighting over the move-in-ready listing, that's worth a look.

📞 Found a house that needs work? Let's talk before you rule it out.

Tera Sommer | Home Loans By Tera, powered by Ease Mortgage
NMLS #2115126 | Company NMLS #2273319

09/28/2026

📱 The score in your credit app is probably not the score I'm looking at.

This surprises people constantly. Mortgage lenders pull a different scoring model than the free apps do, and they pull all three bureaus, not one.

📉 Sometimes the mortgage score comes back lower than the app said. Sometimes higher. Either way, the number you've been watching on your phone isn't the number your loan gets priced on.

So if you've been holding off because an app told you you're not ready, you may be working from the wrong number.

🔎 It costs you nothing to find out what your actual mortgage score is.

Tera Sommer | Home Loans By Tera, powered by Ease Mortgage
NMLS #2115126 | Company NMLS #2273319

09/25/2026

📂 What people think happens after you apply, and what actually happens.

Most buyers think they submit an application and then wait for a yes or a no. That's not the shape of it.

🔍 Your file goes to underwriting. Underwriting asks questions. Somebody answers them and sends documents back. That happens more than once, and it is completely normal.

📄 A request for another document is not bad news. It's the process working. The files that go quiet are the ones I worry about, not the ones with questions.

What you should expect from me is that you always know what stage you're in and what we're waiting on. If you're ever guessing, that's on your loan officer, not on you.

Tera Sommer | Home Loans By Tera, powered by Ease Mortgage
NMLS #2115126 | Company NMLS #2273319

09/23/2026

💼 You changed jobs. That doesn't automatically wreck your approval.

There's a myth that you need two years at the same employer. For most buyers that's not the rule.

What lenders actually want is a story that holds together. Same field, better title, higher pay? That's usually fine, sometimes the day you start. Jumped industries, went from salary to straight commission, took time off in between? That's where it gets more careful.

⚠️ The one that genuinely causes problems is changing jobs after you're already under contract and not telling anyone. Your employment gets verified again right before closing.

📞 If a new job is coming, tell me first. Almost always it's manageable. It's the surprise that isn't.

Tera Sommer | Home Loans By Tera, powered by Ease Mortgage
NMLS #2115126 | Company NMLS #2273319

09/18/2026

👥 You don't always have to qualify alone.

Some programs allow a co-borrower who doesn't live in the house. A parent. A sibling. Somebody with income who's willing to sign.

🏠 They're on the loan. You're the one living there.

It's not the right move for everybody, and the person signing needs to understand exactly what they're agreeing to. That's a real conversation, not a favor you ask over dinner.

But if you're close and income is the only thing standing between you and a house, this is worth knowing about before you give up another year to renting.

📋 Rules vary by program. Ask before you assume it's off the table.

Tera Sommer | Home Loans By Tera, powered by Ease Mortgage
NMLS #2115126 | Company NMLS #2273319

Address

New Hudson, MI

Telephone

+18103331698

Website

https://homeloansbytera.com/

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