Regina Hargis-Williams of First Federal Bank, NMLS 984014

Regina Hargis-Williams of First Federal Bank, NMLS 984014 NMLS #984014
Equal Housing Lender Equal Housing Lender NMLS #984014

🍂 Thinking About Buying a Home This Fall?According to Realtor. com, September 27th–October 3rd may offer a combination o...
09/24/2026

🍂 Thinking About Buying a Home This Fall?

According to Realtor. com, September 27th–October 3rd may offer a combination of buyer-friendly conditions in 2026—including more homes to choose from, potentially less competition, and more time to make a decision.

Every market and buyer situation is different, but if you’ve been considering a move, fall may be a good time to explore your options. Housing market conditions, inventory levels, and affordability vary by location and individual circumstances.

🏡 Have questions about financing? Let’s talk about what may fit your goals and budget.

Equal Housing Lender | NMLS #408902


Source: Realtor. com: September 27th - October 3rd Marks the Best Time to Buy a Home in 2026, August 2026

Here's why the right answer is so important for you to know. A lot people overestimate how much they really need to save...
09/22/2026

Here's why the right answer is so important for you to know.

A lot people overestimate how much they really need to save for a down payment.

The most common answers? 10 or 20%.

The truth: you may be able to put down as little as 3%.

Don't let misinformation hold you back.
Let's connect today!

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Why are some homes selling and other sitting, especially as more houses have hit the market this year? The difference is...
09/21/2026

Why are some homes selling and other sitting, especially as more houses have hit the market this year?

The difference isn't luck. It's strategy.

With more homes to choose from and pickier buyers, the ones that are priced right, prepped well, and marketed effectively from day one are getting offers. And those homes are selling.

If this is your year to move, there's one thing you should know: the right local agent with an expert, proven strategy can help your house sell in any market.

When you're ready to learn more, let's talk. No commitment, just information you can use to call your shot.

Why are some homes selling and other sitting, especially as more houses have hit the market this year?

The difference isn't luck. It's strategy.

With more homes to choose from and pickier buyers, the ones that are priced right, prepped well, and marketed effectively from day one are getting offers. And those homes are selling.

If this is your year to move, there's one thing you should know: the right local agent with an expert, proven strategy can help your house sell in any market.

When you're ready to learn more, let's talk. No commitment, just information you can use to call your shot.
© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

7 in 10 Veterans aren't aware they may be able to buy a home with no down payment.That's one of the biggest advantages o...
09/18/2026

7 in 10 Veterans aren't aware they may be able to buy a home with no down payment.

That's one of the biggest advantages of the VA home loan, and it's still available right now. It may just take more time for it to process due to the government shutdown.

If you've served, you've earned this benefit. It's time to make sure you're getting everything you qualify for.

Want to find out what's possible? Let's chat today!

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

If you're a homeowner watching someone you love try to buy their first home, this is worth thinking about.Nearly 1 in 5 ...
09/17/2026

If you're a homeowner watching someone you love try to buy their first home, this is worth thinking about.

Nearly 1 in 5 first-time buyers are getting a gift from family or friends for use as their down payment. And many parents and grandparents are able to offer that help because of the home equity they've built over the years. (Source: NAR, Highlights From the Profile of Home Buyers and Sellers, February 2026)

That doesn't mean you have to do anything. But it may be worth asking: could a small portion of the equity you've built open a door that might otherwise stay closed?

If you're curious what your equity could make possible for your family, let's talk it through.

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

If your house is for sale and you're not getting any offers, or at least none you're comfortable with, you may be starti...
09/16/2026

If your house is for sale and you're not getting any offers, or at least none you're comfortable with, you may be starting to wonder if it's better to rent it out instead.

But here's the truth. Being a landlord isn't always as easy as it sounds.

You have to find tenants. Chase down missed payments. Be on call anytime something breaks. And deal with unexpected costs and repairs.

So, make sure to carefully weigh the pros and cons before you make a decision.

For some homeowners, the hassle (and the expense) of turning a house into a rental property may not be worth it.

Let's connect to see what the best option may be for you!
© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Getting pre-approved is often an important first step toward homeownership - but what you do after applying can impact y...
09/15/2026

Getting pre-approved is often an important first step toward homeownership - but what you do after applying can impact your ability to qualify.

Keep these guidelines in mind from application to closing so you can stay on track toward the keys to your new home! 🏠

The golden rule: When in doubt, ask your loan officer before making a financial change.



Advertisement for credit. Not a commitment to lend. Not all applicants qualify. All loans are subject to credit, income, property and underwriting approval.

Equal Housing Lender | NMLS #408902

🏡 Ready to Build Your New Home?Building a home means making a lot of exciting decisions—from the lot and floor plan to t...
09/15/2026

🏡 Ready to Build Your New Home?
Building a home means making a lot of exciting decisions—from the lot and floor plan to the finishes that make it yours.

Don’t forget about the financing. Understanding your Construction-to-Permanent options early can help you prepare for the journey ahead.
At First Federal Bank, we offer multiple construction financing options designed to help eligible homebuyers explore financing for their new home.

🔨 Thinking about building? Let’s talk about your options.

Equal Housing Lender | NMLS #408902 | Loan programs subject to credit approval and underwriting requirements.

Have you seen the headlines about using your 401(k) to cover a down payment?Tapping it can feel like an easy call, espec...
09/14/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you've got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don't necessarily have to raid your retirement to buy a home. You've got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.

Equal Housing Lender | NMLS #408902

http://l.ead.me/regina-hargis-williams

Address

300 NORTH WAUKESHA Street
Bonifay, FL
32425

Telephone

+18505736304

Website

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