Shawn Presnell - Total Home Lending

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 To

tal 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.

If you're a first-time buyer or don't have a large down payment saved up, an FHA loan could be a viable option. 🏠 FHA lo...
06/23/2026

If you're a first-time buyer or don't have a large down payment saved up, an FHA loan could be a viable option. 🏠 FHA loans are backed by the Federal Housing Administration and aim to make homeownership more accessible. Here are the basics:

✅ Down payment as low as 3.5% (with a qualifying credit score).
✅ More flexible credit guidelines compared to conventional loans.
✅ Available for primary residences.
✅ Can be used for single-family homes, condos, and multi-family properties (up to 4 units). 🏘️

Things to keep in mind:
• FHA loans require mortgage insurance premiums (MIP) — both upfront and monthly. 📋
• Loan limits vary by county.
• The home must meet specific condition standards.

FHA loans have assisted millions in becoming homeowners. Curious if it's the right fit for you? Let's chat. 💬 Contact us to explore your loan options!

To all the dads, stepdads, and father figures who work hard to give their families a good life — today is for you. Happy...
06/21/2026

To all the dads, stepdads, and father figures who work hard to give their families a good life — today is for you. Happy Father's Day! 🏆🏠

Today we celebrate freedom, resilience, and the ongoing pursuit of equality for all. Wishing everyone a meaningful day o...
06/19/2026

Today we celebrate freedom, resilience, and the ongoing pursuit of equality for all. Wishing everyone a meaningful day of reflection and celebration. ❤️🖤💚

You've got the offer accepted — congratulations! 🎉 But what comes next? The period between acceptance and closing can fe...
06/16/2026

You've got the offer accepted — congratulations! 🎉 But what comes next? The period between acceptance and closing can feel overwhelming. Here's a simplified overview of what to expect:

📋 Loan Application — Your formal mortgage application is submitted.
🔍 Home Inspection — A professional inspects the property for any issues.
🏡 Appraisal — A licensed appraiser verifies the home's value.
📂 Underwriting — The lender reviews all your documents and the property.
✅ Clear to Close — Your loan is approved, and you're almost there!
👀 Final Walkthrough — A last look at the home before closing day.
🔑 Closing Day — Sign the paperwork and receive the keys.

Staying responsive and having your documents ready helps keep the process moving smoothly. We guide you through every step. Contact us to learn more! 🏠

Summer isn't just prime homebuying season — it's also the perfect time to tackle projects that make your home worth more...
06/09/2026

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! 🔑

Cheers to National Homeownership Month 🏠🎉 — and to everyone who made the leap into a home of their own this year. It is ...
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. 🔑

If you've begun exploring mortgage options, you've probably encountered fixed-rate loans. Here's what you should know: 🏠...
05/26/2026

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!

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️
05/25/2026

Today we pause to remember and honor those who gave everything in service to our country. Forever grateful. 🙏❤️

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you re...
05/19/2026

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. 🏠

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔💸 When you rent, your...
05/12/2026

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! 👐

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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