Shawn Presnell - Total Home Lending

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Shawn Presnell - Total Home Lending Experience the THL difference with Shawn Presnell in Plymouth, Michigan! We are a local lender offer Come see Shawn Presnell at Total Home Lending!
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Your Neighborhood Lender

Shopping for a home in Plymouth, Michigan? He has been in the mortgage industry for over 17 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation. That’s why clients choose Total Home Lending. Total Home Lending is a big company with a small-town feel. When you work with Shawn Presnell, you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find a great loan option for your first new home, come talk to Shawn Presnell and the professional team at Total Home Lending. Our model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options

Many factors can affect the type of home loan that is right for you. Shawn Presnell will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Shawn. Let their professional team help you find your ideal mortgage solution and experience the THL difference. Shawn offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the entire Metro Detroit area including Canton, Northville, Livonia, Westland, Wyandotte, Trenton, Southgate, Taylor, Farmington Hills, and Belleville.

A home inspection can feel overwhelming — especially when issues start adding up. 🔍 Here's what inspectors commonly flag...
10/13/2026

A home inspection can feel overwhelming — especially when issues start adding up. 🔍 Here's what inspectors commonly flag and what to budget for:

• Roofing issues 🏠 — aging shingles or flashing. Repairs range from a few hundred to $15,000+ for a full replacement
• Electrical problems ⚡ — outdated panels or wiring. Costs vary widely depending on severity
• Plumbing issues 🔧 — leaks, aging water heaters, low pressure
• Foundation cracks 🧱 — minor settling is normal; major issues can get costly
• HVAC problems ❄️ — older systems may need full replacement
• Water damage or mold 💧 — one of the most serious finds. Remediation costs vary widely

Don't panic over every finding — most issues are negotiable. The inspection is a tool, not a dealbreaker. 💡 We help you navigate it all. Contact us today! 🏠

One of the most common myths in home buying is: "I need 20% down to buy a home." This is simply not true. 🚫 For many buy...
10/06/2026

One of the most common myths in home buying is: "I need 20% down to buy a home." This is simply not true. 🚫 For many buyers, down payment assistance programs (DPA) can make homeownership even more accessible.

Down payment assistance can come in various forms:
✅ Grants — money that does not need to be repaid 🎁
✅ Forgivable second loans.
✅ Low-interest deferred loans. 📉
✅ Matched savings programs. 💰

Availability varies by state, county, and income level — but there are programs out there for many types of buyers, including first-timers, educators, veterans, and more. 🏠

You might qualify for more assistance than you realize. 💡 We work with a variety of DPA programs and can help you find what's available in your area. Reach out, and let's explore your options!

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 ...
09/22/2026

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!

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible t...
09/15/2026

Hard work deserves a real shot at homeownership — and there are programs out there designed to make it more accessible than you might think. 🏠 Here are a few worth knowing about:

• MSHDA — offers down payment assistance and competitive rates specifically for Michigan buyers 🙌
• FHA Loans — low down payment with flexible credit guidelines
• VA Loans — zero down for eligible veterans and active duty service members 🎖️
• USDA Loans — zero down for buyers in eligible rural and suburban areas 🌾
• Conventional Loans — as little as 3% down for qualified buyers 💪

These programs exist for a reason — contact us today and let's find the path that works for your situation! 🔑

There's no shortage of mortgage options out there, so why work with us? Here's what our clients actually experience: 🏠• ...
09/08/2026

There's no shortage of mortgage options out there, so why work with us? Here's what our clients actually experience: 🏠

• We're local — we know Michigan's market, programs, and communities inside and out 🌲
• We're in your corner — from first inquiry to closing day, you'll have a real person guiding you every step of the way 🤝
• We offer more options — Conventional, FHA, VA, USDA, MSHDA, Jumbo and more. We find the right fit for you, not a one-size-fits-all solution 💡
• We speak plainly — no confusing jargon, no runaround. Just honest, straightforward guidance 💬
• We close loans — our experience and process means fewer surprises and smoother closings ✅

Buying a home is one of the biggest decisions you'll ever make. You deserve a team that takes that seriously. 👐 Ready to get started? Contact us today — we'd love to earn your trust.

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned ...
09/07/2026

Hard work deserves to be celebrated, and to push you towards the dream of homeownership. Wishing everyone a well-earned long weekend — enjoy every minute of it. 🙌

A rate lock is an agreement with your lender that guarantees a specific interest rate for a set period — typically 30–60...
09/01/2026

A rate lock is an agreement with your lender that guarantees a specific interest rate for a set period — typically 30–60 days — no matter what the market does. 🔒📊

Here's why it matters:
• If rates rise after you lock, you're protected 🛡️
• If rates drop, some programs offer float-down options 📉
• Timing is everything — lock too early and it may expire before closing; too late and rates may have shifted ⏳

We'll help you navigate the timing and strategy that makes the most sense for you. Contact us with any questions! 🏠

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...
08/25/2026

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! 🔑

Not all mortgages have fixed rates. An adjustable-rate mortgage, or ARM, operates differently — and it's worth understan...
08/18/2026

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 already own a home, refinancing could be worth a closer look. 🔍 Here's a quick breakdown of when it makes sense:✅...
08/11/2026

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! 💬

Address

257 N Main Street
Plymouth, MI
48170

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10am - 3pm

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