Debbi Waisanen - NMLS# 674861 John Adams Mortgage

Debbi Waisanen - NMLS# 674861 John Adams Mortgage Staunton Financial Inc. DBA John Adams Mortgage NMLS # 140012 | Debbi Waisanen Individual NMLS #674861 NMLS #674861

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. ❤️🖤💚

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...
06/19/2026

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!

Summer is one of the busiest seasons in real estate — more listings, more buyers, and increased competition. ☀️ Whether ...
06/12/2026

Summer is one of the busiest seasons in real estate — more listings, more buyers, and increased competition. ☀️ Whether you're just starting or actively searching, here's how to stay ahead:

🏠 Get pre-qualified BEFORE you fall in love with a house.
📝 Know your must-haves versus nice-to-haves.
⚡ Be prepared to act quickly — desirable homes don't last long in summer.
💰 Understand your budget beyond just the mortgage (taxes, insurance, HOA fees).
🤝 Collaborate with a team that can facilitate an efficient closing process.

Summer inventory tends to be higher, which is excellent news for buyers. However, so is the competition. Being prepared gives you a significant advantage. 💪

Let's get you ready for your next chapter. Reach out today to discuss your goals! ☀️🔑

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. 🔑

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial D...
05/29/2026

This month, we honor and remember the courageous service members who sacrificed everything for our freedom as Memorial Day approaches. 🎖️

If you or someone you care about has served in the U.S. military, one of the most powerful benefits available is the VA home loan. Here's why it's such an exceptional program:

🏠 No down payment required.
🛡️ No private mortgage insurance (PMI).
📉 Competitive interest rates.
✅ Flexible qualifying guidelines.

If you're a veteran, active-duty service member, or surviving spouse and haven't explored this benefit, we'd love to guide you through it. Thank you to all who served and to the families who support them. 💙 Contact us to learn more about VA loans and how to get started.

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. 🙏❤️

Is it better to rent or buy? It depends — but let's examine what you might be missing by renting: 🤔💸 When you rent, your...
05/22/2026

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! 👐

Your credit score plays a crucial role in your mortgage — influencing both your eligibility and the interest rate you re...
05/15/2026

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. 🏠

To every mom who turns a house into a home, thank you. You make it all mean something. Happy Mother's Day! 🌸❤️
05/10/2026

To every mom who turns a house into a home, thank you. You make it all mean something. Happy Mother's Day! 🌸❤️

Address

521 Randolph Street
Traverse City, MI
49684

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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