Welcome to Your Homebuying Hub! Where Dreams Come Home!

We are dedicated to serving everyone in their homeownership journey, from first-time homebuyers to recurring homeowners seeking assistance. With tailored mortgage solutions and exceptional service, we make your dreams a reality. Explore our website for valuable resources, competitive rates, and a seamless application process. Let us be your trusted partner in achieving your homeownership goals. Welcome to a brighter future, welcome to Your Homebuying Hub.

 

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Timing is everything in today’s complex and competitive mortgage market. Rates might be higher than we’d like and inventory is still tight—but opportunities are out there! 🏡✨

Whether you’re a first-time homebuyer ready to take the leap or a current homeowner thinking about refinancing, we are here to help you navigate the process.

💼 Let’s make 2025 the year you achieve your homeownership goals. Reach out to me today to get pre-approved and take the first step toward your New Year, New Home!

📞 Message me or give me a call-203-526-9345 or asantos@totalmortgage.com.

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Audra Emond Santos

Top 5 Home Resolutions for the New Year

We wanted to share our top five new year’s resolutions that contribute to a happy home. These tips work for renters and home owners alike.

Safety First
Check your smoke and carbon monoxide detectors regularly, as listed in the manufacturer’s instructions. Have a fire extinguisher handy in case of emergency, and have an emergency exit plan prepared in advance.

Spring Clean Every Season
Cut down on clutter by making “spring cleaning” a quarterly event. Keeping your space organized adds to your home’s ambiance.

Save on Energy
Make saving energy a household habit, and save money on utilities! Unplug appliances that are not in frequent use, switch to LED lightbulbs, low-flow shower heads, and adjust the temperature to energy save mode.

Accent with Plants
House plants are uplifting to be around, and they naturally help to clean the air. If you feel that you just don’t have a “green thumb,” or lack sufficient light, an artificial tree can still give a room a cozy vibe.

Create a Task Calendar
Post a schedule on the refrigerator and have every family member or roommate participate in daily or weekly chores. Children can help, too!

Give us a call if you’re looking to buy a home, refinance, or tap into home equity. My team and I are here to help. 203-526-9345 or asantos@totalmortgage.com.

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🌟 New Year, New Goals! 🌟 It’s 2025—time to take control of your finances and make your goals a reality! 💳 Pay off credit card debt 🏡 Start those home improvement projects 🎓 Cover college tuition 💰 Get extra cash when you need it With a home equity line of credit, you can access the funds you need with low monthly payments—and the process is completely automated so you can close in as little as 7 days! Want to see if you’re prequalified? It only takes a few quick questions to find out. 📱 Text me at 203-525-9345, and I’ll send you the link to apply today!

The Federal Housing Finance Agency (FHFA) has announced that, effective January 1, 2025, the baseline conforming loan limit for single-family homes will increase to **$806,500, a 5.2% rise from the 2024 limit. 

In high-cost areas, where local median home values exceed 115% of the baseline, the loan limit will be higher, with a ceiling of **$1,209,750 for one-unit properties. 

These adjustments reflect the ongoing rise in home prices and aim to enhance access to mortgage financing for homebuyers across the nation.
Today, I just want to take a moment to recognize the incredible men and women who have served our country. We may not know all of them personally, but their sacrifices have given us so much. With deep respect and gratitude – thank you to all our veterans. Your service is never forgotten.  #prouddaughterofaveteran
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