Stephanie Dilts

Stephanie Dilts Enjoy a full service lending experience with a variety of loan program options! I'm available and happy to help!

Stephanie Dilts NMLS #2637470 - Total Home Lending

04/01/2026

The third month of 2026 is already over and a new month is here😍 Thank you SO much to all of the wonderful customers for another awesome month of closings🙏 At Total Home Lending, we know there's nothing better than home. It was an absolute privilege to get you into yours🏠💗 If you or someone you know is interested in buying a home, any of our team would be happy to be of assistance🤝

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!

03/23/2026

Spring is officially in bloom, and so is the housing market! 🌸🏠
Just like the first blossoms of the season, the best homes are going to pop up—and disappear— practically overnight. In this fast-paced market, waiting to get your financing in order can mean missing out on your "forever" view.🏡🔍
Don't let your dream home wilt away! Getting pre-approved is the secret to moving fast, bidding with confidence, and turning that "For Sale" sign into "Sold." 🔑✨
Ready to spring into action? Let’s get you mortgage-ready today!

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!

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!

A home inspection is one of the best tools you have, but it’s often misunderstood. 📖 What it is: It helps identify issue...
03/13/2026

A home inspection is one of the best tools you have, but it’s often misunderstood.

📖 What it is: It helps identify issues and maintenance needs.
🎓 What it isn’t: a pass/fail test!

Typically, it helps buyers make more informed decisions about the home they’re buying, and to negotiate when appropriate. Stay informed with everything you need by partnering with us!

The early bird gets the worm! Or in this case, the birdhouse. March is when many buyers start moving, so it’s important ...
03/06/2026

The early bird gets the worm! Or in this case, the birdhouse. March is when many buyers start moving, so it’s important to be ready before the rush:

✔️ Get pre-approved early
✔️ Know your comfort payment (not just your max)
✔️ Decide your “must-haves” vs. “nice-to-haves”

Preparation turns a hectic market into a manageable one, contact us and we’ll help keep the journey smooth.

03/02/2026

The second month of 2026 is already over and a new month is here😍 Thank you SO much to all of the wonderful customers for another awesome month of closings🙏 At Total Home Lending, we know there's nothing better than home. It was an absolute privilege to get you into yours🏠💗 If you or someone you know is interested in buying a home, any of our team would be happy to be of assistance🤝

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

Address

Saginaw, MI

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

Telephone

(989)5985472

Website

https://loop.totalhomelending.com/homehub/signup/sdilts@totalhomelending.

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