Novotny Lending Team w/ First Heritage Mortgage

09/27/2026

Severe weather can strike when you least expect it. According to NOAA, weather-related disasters cause more than $100 billion in damage across the U.S. each year. 🌪️

The good news? A little preparation can go a long way.

Our latest guide covers everything you need to know before severe weather season arrives—from strengthening your home against potential damage to reviewing your homeowners and flood insurance coverage so there are no surprises when you need it most.

Read the blog and take steps today to help protect your home, your finances, and your peace of mind. 🔗
https://myoc.io/kfawley

09/27/2026

5.0 star review received on Experience.com for Novotny Lending Team by Tracy D - The Novotmy leading team worked very hard for me. Answered all my questions and kept me informed along the way! We settled on our home on September 22nd and it was very smooth.

Jeffery Novotny refered me to my realtor James Nellis Group and I was linked with Cameron Bernard the actual realtor.

Everything went so quickly and smooth.

Click to see all 461 reviews of Jeffrey Novotny at First Heritage Mortgage - Novotny Lending Team, VP, Producing Branch Manager | NMLS ID #1415391

09/25/2026

Do you still feel like the down payment is the biggest thing standing between you and buying a home? A little strategy can go a long way. 🏡

Well, we dig into three realistic ways to save — from automating your home account and trimming a few key expenses, to stacking assistance programs and gift funds so your goal moves from years away to within reach. 🙌

Read our blog to see how first-time buyers are actually getting to the closing table today and start mapping out your own plan! 🔗
https://myoc.io/kfawley/UcIi2

09/23/2026

Are you self-employed and dreaming of homeownership? 🏡✨

Buying a home can feel a little more complicated when your income doesn't fit neatly into a W-2 box—but that doesn't mean it's out of reach. By understanding lender expectations and exploring loan program options, it's definitely absolutely possible. 🤝

Check out our blog to learn more! 👇
https://myoc.io/kfawley/fcInp

09/22/2026

5.0 star review received on Experience.com for Novotny Lending Team by Anil A - Great communication
ecxellent service

Click to see all 460 reviews of Jeffrey Novotny at First Heritage Mortgage - Novotny Lending Team, VP, Producing Branch Manager | NMLS ID #1415391

09/22/2026

5.0 star review received on Experience.com for Novotny Lending Team by Sejal P - Great communication
excellent service

Click to see all 460 reviews of Jeffrey Novotny at First Heritage Mortgage - Novotny Lending Team, VP, Producing Branch Manager | NMLS ID #1415391

09/20/2026

Think of PMI like training wheels on a bike. It's helpful at first, but eventually it's time to take them off. 🚲

Many homeowners don’t realize they can remove PMI once they hit around 20% equity in their home. Dropping PMI can lower your monthly payment and put real savings back in your pocket. If you’ve been paying on your mortgage for a few years or your home value has increased, you might be closer than you think. 🏡✨

Check out our blog to see if you're ready to kick PMI to the curb and start saving. 🔗
https://myoc.io/kfawley/BnVDC

09/18/2026

Your first home might look different than you imagined and that’s okay! 🏡

Condos and townhomes are becoming go-to starter homes for first-time buyers because they offer a more affordable way into the market than many single-family homes. They each have their own tradeoffs in lifestyle, fees, maintenance, and long-term plans. 🔑

👉🏼 Our blog breaks down what to weigh between the two, how each option fits different budgets and lifestyles, and why getting into a home now can be smarter than waiting years for that ‘perfect’ single-family house.

Check out our blog to start figuring out which path to homeownership makes the most sense for you. 🔗
https://myoc.io/kfawley/m1AOU

09/16/2026

5.0 star review received on Experience.com for Novotny Lending Team by Alicia H - Michelle made everything seamless. She was always available and answered all of my questions. She made my dreams come true of being a first time homebuyer. I am so thankful for her! She deserves an award for her caring nature and support. She is the best and I couldn't have prayed for a better person!

Click to see all 458 reviews of Jeffrey Novotny at First Heritage Mortgage - Novotny Lending Team, VP, Producing Branch Manager | NMLS ID #1415391

09/16/2026

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀

PMI (private mortgage insurance) is what lets many buyers get into a home with less than 20% down — but that doesn’t mean you have to keep paying it forever. Depending on your loan and how much equity you’ve built, there may be a point where you can drop PMI and lower your monthly payment. 🏡🏡

👉🏼 In our latest guide, we break down what PMI actually is and the different ways you can get rid of it once you qualify. Tap the link to see if you’re closer than you think to getting rid of your PMI. 🔗
https://myoc.io/kfawley/hpY0d