Your Girl Alex -Mortgage Lender

Your Girl Alex -Mortgage Lender Just a girl sharing her thoughts on the mortgage world.
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Alex Spratto
Loan Officer NMLS | #2441120
First Heritage Mortgage, LLC | NMLS #86548
Equal Housing Lender

Receiving your keys is an exciting milestone—but it’s only the start of your homeownership journey. 🏡From knowing when y...
09/25/2026

Receiving your keys is an exciting milestone—but it’s only the start of your homeownership journey. 🏡

From knowing when your first mortgage payment is due to keeping important documents organized and planning for ongoing homeownership costs, there are a few key steps that can help make the transition into your new home a little smoother. ✨

Share this checklist with someone who just bought their first home and head over to our blog to learn more! 🔗
https://myoc.io/eCSRvZUXfPM/jGm5V

Hurricane season is here. Is your home ready? 🌀 When a storm is in the forecast, it's already too late to start preparin...
09/23/2026

Hurricane season is here. Is your home ready? 🌀

When a storm is in the forecast, it's already too late to start preparing. Taking a few simple steps now—like securing your home's exterior, reviewing your insurance coverage, and building an emergency plan—can make all the difference when severe weather strikes. ⛈️🌫️

Our blog walks you through practical ways to help protect your home, your family, and one of your biggest investments before the next storm arrives.

Check out our blog to stay prepared and stay protected. 👇
https://myoc.io/eCSRvZUXfPM/KSKQr

Are you self-employed and dreaming of homeownership? 🏡✨Buying a home can feel a little more complicated when your income...
09/20/2026

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/eCSRvZUXfPM/EiPQy

Don’t overlook the appraisal in the homebuying process —it’s one of the most important steps in the mortgage process! Bu...
09/16/2026

Don’t overlook the appraisal in the homebuying process —it’s one of the most important steps in the mortgage process! But what happens if the appraisal comes in lower than expected? In today’s market, that’s a possibility many buyers face. 🤔

An appraisal helps ensure you’re paying a fair price for your new home while protecting buyers, sellers, and lenders alike. It provides an unbiased estimate of a property’s value and can help safeguard your investment from day one. 🏡🔧

👉🏼 Read our blog to understand why appraisals can come in low, and know your options if they do!
https://myoc.io/eCSRvZUXfPM/ucTjD

Could right now be the best time to downsize your home? 🏡If you're always cleaning empty bedrooms, putting off yard work...
09/13/2026

Could right now be the best time to downsize your home? 🏡

If you're always cleaning empty bedrooms, putting off yard work, or wondering where your monthly housing costs are going, your home may no longer fit the life you're living today.

Downsizing isn't about giving up space—it's about making the most of what you've built. For many homeowners, downsizing can mean:
✨ Unlocking valuable home equity
✨ Lowering monthly housing expenses
✨ Reducing maintenance and upkeep
✨ Moving into a home that better fits your current lifestyle

Read our latest blog to learn why now may be the best time to downsize your home and the key factors to consider before making your next move. 🔗
https://myoc.io/eCSRvZUXfPM/q5C2e

Your first home might look different than you imagined and that’s okay! 🏡Condos and townhomes are becoming go-to starter...
09/11/2026

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/eCSRvZUXfPM/Su7Qz

Are you feeling overwhelmed with unnecessary space or just ready for a change? 📦It might be the perfect time to consider...
09/09/2026

Are you feeling overwhelmed with unnecessary space or just ready for a change? 📦

It might be the perfect time to consider downsizing your home! Whether you're looking to cut costs, simplify life, or embrace a cozy new environment, downsizing unlocks opportunities for growth and financial freedom. 😄

Check out our latest blog to find out if now is the right time for you to make the move! Are you ready to take the leap? 👉🏼 https://fhmtg.com/2026/03/26/when-is-the-right-time-for-downsizing-your-home/
https://myoc.io/eCSRvZUXfPM/lyYGR

Are you guilty of also thinking, “I’ll never be able to save enough for a down payment.” 💭If this thought has crossed yo...
09/06/2026

Are you guilty of also thinking, “I’ll never be able to save enough for a down payment.” 💭

If this thought has crossed your mind, you’re not alone. The good news? You may have more options than you think. 🏡

The 20% down payment rule is outdated, and today’s buyers have access to a variety of strategies and assistance programs that can help make homeownership more achievable.

Learn three ways to boost your savings and explore programs that could help you get closer to the keys in our latest blog. 🔗
https://myoc.io/eCSRvZUXfPM/BUGo1

Have you looked at current house prices and wondered how anyone can afford the down payment right now? 😬Trust us, you’re...
09/04/2026

Have you looked at current house prices and wondered how anyone can afford the down payment right now? 😬

Trust us, you’re not alone! For most first-time buyers, the down payment is the biggest obstacle between renting and owning. But a little strategy can go a long way in turning your dreams into a reality. 🏡✨

Our latest blog breaks down 3 ways to save faster and highlights assistance programs that could help make buying a home more attainable than you think. Are you ready to get closer to those house keys? 🔑
https://myoc.io/eCSRvZUXfPM/Aprac

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follo...
09/02/2026

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follow-up. 🤖

You don’t have to figure AI out alone — we’ll walk you through it live. A few simple AI prompts can save you hours every week but only if you know how to make tools like ChatGPT and Claude work for you.

That’s why our marketing team is continuing the Marketing Growth Series with a session designed specifically for real estate agents and loan officers, led by Erica Goodwin and Cotton Walsh from First Heritage Mortgage.

Here’s what we’ll cover:
✨ How to make AI sound like you
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

You’ll walk away with practical prompts and a simple game plan you can start using the same day.

Save your spot and join us! Register here 🔗
https://myoc.io/eCSRvZUXfPM/PLfkA

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