Total Home Lending is the company that powers The Vista Team. While you often hear the name Total Home Lending, the official company behind it is Staunton Financial, Inc. This means Total Home Lending is a “Doing Business As” (DBA) name that Staunton Financial uses to serve customers better. This is common in the mortgage world. A company might have a legal name but use a different name when dealing directly with clients so that it’s easier to recognize and remember.
What Licensing Means for You
Total Home Lending operates under an important license called an NMLS license. NMLS stands for Nationwide Multistate Licensing System & Registry. This is a system that keeps lenders honest and ensures they follow the law when giving you a home loan. The NMLS number for Total Home Lending is 140012. This number shows that they are registered and allowed to do mortgage lending legally. It helps protect you, the borrower, by making sure the company complies with important rules and standards.
Who Runs Total Home Lending?
Total Home Lending is a private business originally started in 2013 and based in Livonia, Michigan. They have a team of about 35 people, including loan officers, branch managers, and leaders who make sure everything runs smoothly. This team works hard to give you loan options that fit your unique financial situation, whether you are buying your first home, refinancing, or looking for special loan types like VA or USDA loans.
The Relationship Between Total Home Lending and The Vista Team
The Vista Team is the local face of Total Home Lending in specific areas. They operate under the same license and rules but focus on providing personalized support to local customers. Think of The Vista Team as your neighborhood mortgage experts who use the strength and backing of Total Home Lending to offer a wide range of loan programs, clear communication, and a caring approach.
Loan Options Offered
Total Home Lending and The Vista Team offer many loan options to help as many people as possible become homeowners or improve their current mortgages. Some options you may hear about include:
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– Purchase loans for buying a home
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– Refinancing loans to get better rates or terms
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– VA loans for veterans
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– FHA loans with more flexible credit requirements
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– USDA loans for rural property buyers
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– Jumbo loans for higher-priced homes
They also have programs for people with less-than-perfect credit, so don’t hesitate to ask about what might work for you.
How to Get Started with The Vista Team
If you’re thinking about buying a home or refinancing your current mortgage, The Vista Team makes it easy to get started. You can visit their website at www.thevistateam.com, where you’ll find helpful tools like loan calculators, informative articles, and an easy way to contact loan officers directly.
Contact Information for The Vista Team
Want to speak to someone from The Vista Team? Here’s how you can reach them:
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– Phone: The number is listed on their website for direct conversations with a loan officer.
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– Email: Use the contact forms on their website to send questions or request callbacks.
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– Visit: Office locations and hours are also available on their website, so you can find a time and place convenient for you.
Why Choose The Vista Team – Total Home Lending?
Choosing a mortgage company is a big decision. The Vista Team stands out because they combine local, friendly service with the solid foundation of Total Home Lending’s licensing and experience. Their NMLS registration and legal structure through Staunton Financial give you peace of mind that the company is fully verified and regulated.
They know that home loans can be confusing. The Vista Team takes the time to explain the process and options in simple terms, helping you avoid surprises along the way. Whether you’re a first-time buyer or seasoned homeowner, their goal is to match you with a mortgage that fits your needs and budget.
By dividing the information into clear sections, it’s easier to understand the licensing, company structure, and how The Vista Team fits into the bigger picture for home lending. Visiting their website or reaching out directly is the best way to get personalized help and start your home ownership journey with confidence.
For more information and to get started on your loan application, visit The Vista Team at thevistateam.com.
Sources: rocketreach.co, totalhomelending.com, thevistateam.com
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