Tabitha Treber, Mortgage Banker, NMLS #30079

Tabitha Treber, Mortgage Banker, NMLS #30079 Mortgage Banker at First Merchants Bank with 15+ years experience helping people buy and refinance their homes.

If you’re trying to picture what that shift actually looks like day to day, here are a few things to keep in mind:➡️ Mai...
06/04/2026

If you’re trying to picture what that shift actually looks like day to day, here are a few things to keep in mind:

➡️ Maintenance and repairs are now yours to manage. No more calling a landlord to fix a leaky faucet, replace an appliance, or handle an HVAC issue. Planning ahead for these expenses becomes part of homeownership.

➡️ You can personalize your space however you want. From paint colors to renovations to small projects over time. You’re no longer limited by lease agreements or landlord rules.

➡️ Taxes and insurance become part of your monthly payment, and can increase (or decrease) over time. Although you won’t have to worry about rent hikes, your monthly mortgage payment may fluctuate based on those factors. Plan accordingly.

➡️ You start building equity and long-term wealth with each payment, rather than paying rent to your landlord with nothing to show for it.

If you’re thinking about making the move, I’m happy to help you map it out and explain all the details. Send me a message any time.
https://myoc.io/tabithatreber

06/03/2026

Struggling with negative credit history?

🏦 You have options! Dispute inaccuracies with the credit bureaus for free, talk to creditors about corrections based on your good history, or consider a pay-to-delete strategy. Remember to always get any agreements in writing!

Get in touch if you want more detailed guidance. Together, we can work towards improving your credit score! 💪

https://myoc.io/tabithatreber

If owning a second home is your goal, here are the big things worth thinking through early, before you ever look at list...
06/02/2026

If owning a second home is your goal, here are the big things worth thinking through early, before you ever look at listings or rates.

1. The purpose

What do you want the home for – weekends, family gatherings, future retirement, or something else? Will it be mostly personal use, or will others use it too?

2. How often you’ll realistically use it

Occasional getaways vs. frequent stays make a big difference in cost‑versus‑value. Be honest about time, travel distance, and life changes.

3. Long‑term fit

Could this become your primary home one day? How does a second home fit alongside other goals like retirement, college savings, or lifestyle plans?

4. Financial readiness

Down payment requirements for a second home are usually higher. Make sure the cost fits comfortably alongside your current mortgage and monthly obligations.

5. Ongoing costs

Property taxes, insurance, utilities, HOA fees, maintenance, and repairs. These continue even when you’re not there.

6. Timing

You don’t have to buy now to plan now. Even if it’s “someday”, understanding what lenders look for can help you prepare well ahead of time.

Whether it’s a near-term goal or part of a longer-term plan, the best time to ask questions and start preparing is now. If you want to walk through your goals and timing, let’s connect!
https://myoc.io/tabithatreber

06/01/2026

Boost your credit score for FREE with these essential tips! Start by checking your credit report at Annualcreditreport.com.

Dispute inaccuracies, address negative items, and negotiate "pay to delete" options.

Let's get you on the path to better credit! 💪✨

https://myoc.io/tabithatreber

If homeownership feels out of reach because of savings, down payment assistance may be something worth learning more abo...
05/28/2026

If homeownership feels out of reach because of savings, down payment assistance may be something worth learning more about.

Message me if you want to explore what options might be available to you.
https://myoc.io/tabithatreber

This time of year is great for doing home maintenance, starting a renovation project, or adding a fresh coat of paint. F...
05/26/2026

This time of year is great for doing home maintenance, starting a renovation project, or adding a fresh coat of paint. First Merchants has a HELOC Special to help you finance it!

If you have a project you’re thinking about, I’d love to tell you more about how our HELOC offer can help you get started.

Construction financing works best when the lender understands the build process. Our single‑close construction loan offe...
05/21/2026

Construction financing works best when the lender understands the build process. Our single‑close construction loan offers a smooth transition to permanent financing after project completion. Backed by real construction experience, including our program manager who is a licensed residential builder, our team helps keep communication clear and projects on track.

Message me if you ever want to talk about your options for building a home.
https://myoc.io/tabithatreber

Quick reminder that I can help you, your family, and friends – anywhere in the country 😊Happy to talk through options or...
05/19/2026

Quick reminder that I can help you, your family, and friends – anywhere in the country 😊

Happy to talk through options or answer questions.
https://myoc.io/tabithatreber

If you’re planning to buy your first home, here are some programs worth knowing about:➡️ Next Horizon Loans – An exclusi...
05/14/2026

If you’re planning to buy your first home, here are some programs worth knowing about:

➡️ Next Horizon Loans – An exclusive First Merchants program with 0% down payment options, no PMI, and non-traditional credit history accepted.

➡️ FHA Loans – Popular with first-time buyers due to lower down payment requirements and more flexible credit guidelines.

➡️ Down Payment Assistance & Grants – Programs that may help cover part (or all!) of your down payment or closing costs, depending on eligibility.

I’m happy to help you understand what you qualify for and build a plan that fits your budget. Message me to schedule a free homebuyer consultation.
https://myoc.io/tabithatreber

Address

Clinton Township, MI
48036

Telephone

(734)2776430

Website

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