Jerad Kinney, NMLS #884810 - Total Home Lending

Jerad Kinney, NMLS #884810 - Total Home Lending Taking this gig on the road this week

Jerad P Kinney is an experienced and knowledgeable Loan Originator with over 10 years of experience in the Mortgage Industry. Jerad Kinney has coordinated and assisted over 1000 individuals and families with their home mortgage needs, specializing in:

- New Home Purchase
- First Time Home Buyers
- New Construction Financing
- Home Refinance Solutions
- Licensed in multiple states across the country- NMLS #884810

An appraisal gap is the difference between the price you agreed to pay for a home, and what the home appraises for. For ...
03/27/2026

An appraisal gap is the difference between the price you agreed to pay for a home, and what the home appraises for. For example: You offer $350,000 but it appraises at $330,000 → the gap is $20,000.

Why it matters: lenders usually base the loan on the appraised value, so a low appraisal can mean you may need to:

- Bring cash to cover the gap
- Renegotiate the price
- Or meet somewhere in the middle

Questions about how it works in your situation? Send us a message!

Big day, big future, and exciting new beginnings ahead. 🎉🩺Match Day is almost here, and if you’re heading into residency...
03/20/2026

Big day, big future, and exciting new beginnings ahead. 🎉🩺

Match Day is almost here, and if you’re heading into residency, the right mortgage can make your next move a little easier. With options like no down payment or low down payment using your residency contract as income, and flexibility with student loan balances, homeownership may be closer than you think. 🏡✨

Ready to start your next chapter with confidence? Reach out to learn more. 📩

Spring is a time for new beginnings! If you’re a first time homebuyer, we’re here to help. Before you fall in love with ...
03/20/2026

Spring is a time for new beginnings! If you’re a first time homebuyer, we’re here to help. Before you fall in love with a listing, it’s important to consider the costs beyond the down payment, but also for:

✔️ Estimated monthly payment
✔️ Cash needed to close
✔️ Cash reserves after closing

We’ll make sure there’s no surprises as you budget for your first home. Contact us to learn more about how we can help you with your home buying journey.

Wishing you a lucky day! 🍀 And if homeownership is your goal this year, we’ll help you make it less about luck and more ...
03/17/2026

Wishing you a lucky day! 🍀 And if homeownership is your goal this year, we’ll help you make it less about luck and more about a solid plan. Celebrate safely!

02/26/2026

In 2025, what was the most popular major home upgrade homeowners planned?

A) Walk-in pantry 🚪
B) Big backyard 🐶
C) Updated kitchen 🍳
D) Two-car garage 🚗

---

Answer: C) Updated kitchen!

A January 2025 survey of 2,000 homeowners found 51% planned to remodel their kitchen in 2025.
*Source: This Old House

We know buying a home is one of the most important financial decisions you’ll make in your lifetime, that’s why we work ...
02/19/2026

We know buying a home is one of the most important financial decisions you’ll make in your lifetime, that’s why we work with a team of experts to not only choose the best financing plan for you, but work with our affiliates to protect your home with the right insurance, and ensure a clean and thorough title upon closing. 🤝 Reach out to learn more about how we can help you protect what you love!

Everyone knows love isn’t about looks—but there’s no reason you can’t show your home a little love this February with a ...
02/12/2026

Everyone knows love isn’t about looks—but there’s no reason you can’t show your home a little love this February with a few low-cost, low-effort upgrades that can make a big difference:

🚪 Refresh your entryway with a doormat + small plant
🛁 Update hardware in one spot (pulls or a faucet)
🖌️ Paint your front door or hang a spring wreath
🖼️ Personalize! Hang meaningful photos and display favorite items

Love starts with the little things - show the space you call home some love this season!

A home can be beautiful and everything you ever wanted, but it can still feel stressful if the payment doesn’t fit your ...
02/05/2026

A home can be beautiful and everything you ever wanted, but it can still feel stressful if the payment doesn’t fit your life. A smart plan considers:

✔️ Mortgage payment + taxes + insurance
✔️ Utilities and maintenance
✔️ Your lifestyle goals (travel, savings, kids, etc.)

The best home is the one you can enjoy without financial pressure - contact us to learn more about how we can ensure a stress-free process.

Amazing program for First Time Homebuyers
02/04/2026

Amazing program for First Time Homebuyers

January is a time for fresh starts and new plans. If you’re looking at buying a home this year, don’t let these common m...
01/27/2026

January is a time for fresh starts and new plans. If you’re looking at buying a home this year, don’t let these common misconceptions about credit scores slow you down:

✔️ Checking your own credit does not hurt your score
✔️ Carrying a balance does not help your score
✔️ Paying on time beats “perfect” income every time

Want a simple action plan based on your situation? We can map it out. Contact us to learn more about how we can help you on your homeownership journey!

Address

257 N Main Street
Plymouth, MI
48170

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