Heather LeAnn Strawder - Mortgage Originator, NMLS ID 1273430

Heather LeAnn Strawder - Mortgage Originator, NMLS ID 1273430 Mortgage LO// NMLS ID 1273437🏡equal housing lender 💙 VicFin - Division of Farmers Bank (NMLS ID 680219) Member FDIC

One of the MOST common questions I get about renovation loans:“Can the home be in ANY condition?!” 👀 The short answer: Y...
09/01/2026

One of the MOST common questions I get about renovation loans:

“Can the home be in ANY condition?!” 👀

The short answer: YES!! 👏

I had one close TODAY where my buyers walked in with over 20% equity in their new home. 🤯

They purchased the property AS-IS, and we rolled the cost of the renovations into their loan, giving them the funds to take a house that needed some love, and turn it into HOME sweet HOME!! 🏡💙

Buyers: If you are shopping for homes that need a little more than TLC, I might have just the loan program for you! Buy potential. Finance the renovations. Make it yours!

Realtors: if you have a listing that you think could only go cash…. Think again! Let’s talk about how we can open up another pool of potential buyers.

08/26/2026

Imagine adding “first home” on the Christmas list, and actually pulling it off….

The timeline starts now. 👀

Apply now → House shop in September → Close Oct/Nov → Celebrate the holidays in your NEW HOME 🎅🏼❤️

And depending on your closing date… your first mortgage payment may not even be due until 2027! 🤯

DM me “HOME” and let’s see what’s possible! 🏡

Clear communication. Creative solutions. Happy homeowners! 💙 Thank you, Amber, for trusting me with your home purchase, ...
07/31/2026

Clear communication. Creative solutions. Happy homeowners! 💙

Thank you, Amber, for trusting me with your home purchase, and for the 5-star review!! 🥺🤩💙

07/29/2026

Mentally crashing out, but I still text back 🤪 might even add a little “lol” or smiley face at the end

Happy Friday! 🎉Fun fact: Some of my FAVORITE conversations with clients start with…“This might be a dumb question…”(Spoi...
07/10/2026

Happy Friday! 🎉

Fun fact: Some of my FAVORITE conversations with clients start with…

“This might be a dumb question…”

(Spoiler alert: it never is!)

Buying a home is confusing enough without feeling like you have to know all the answers!!

If you’ve been wondering about something… credit, down payment, VA, USDA, FHA, or just where to start. I’m always happy to answer. No pressure. 😊

Have a great weekend, Friends!!

Heather Strawder
NMLS ID 1273430
📱 256-479-6475

🚨 ‼️ BREAKING NEWS: Local mortgage lender under investigation for the following offenses:* Excessive problem solving* Sp...
05/16/2026

🚨 ‼️ BREAKING NEWS: Local mortgage lender under investigation for the following offenses:

* Excessive problem solving
* Spending entirely too much time trying to save deals other lenders already killed
* Providing emotional support and mortgage strategy in the same phone call
* Responding to texts at soccer practice, in the minivan, and probably during leg day
* Overuse of phrases like “hold on, let me dig into this”
* Refusing to give up after the first tough underwriting condition
* Explaining mortgage guidelines in plain English
* Running scenarios that absolutely did not need to be run at 8:47 PM
* Treating first-time homebuyers like humans instead of loan numbers
* Investigating every possible program before saying “no”
* Causing unnecessary realtor loyalty by communicating too well
* Suspiciously smooth closings despite chaotic files
* Creating “one more option” out of thin air
* Being dangerously available on weekends
* Making complicated loans look easy

Authorities say the investigation is ongoing.

Sources confirm she has ‘one more option’ 97% of the time. She should be considered armed with optimism, and highly communicative.

05/08/2026

Today I got to witness something pretty wild firsthand… 👀

A borrower’s credit score jumped 40+ points in just a matter of days!! 👏

What did they do?!
Nothing complicated!
No magic trick.

They simply paid down their credit card balances! 💳⬇️

One of the biggest factors in your score is credit utilization (aka how much of your available credit you’re using). Sometimes lowering those balances can make a HUGE difference, and fast.

This is exactly why mortgage advice shouldn’t be one-size-fits-all. Small strategic moves can completely change the game!!💙🏡

3 loans I closed recently that “shouldn’t have closed”….! 💙🏡💙Not because they were easy.Not because the file was perfect...
05/04/2026

3 loans I closed recently that “shouldn’t have closed”….!

💙🏡💙

Not because they were easy.
Not because the file was perfect.
Not because everything magically worked out.🪄

Because someone was willing to work the problem!

🏡 Manufactured home not assessed as real property yet?
With the right attorney help, we got it assessed and closed.

🇺🇸 VA loan with high DTI?
We solved the puzzle and got it done.

📉 Low credit score + a messy file?
“Rapid rescore”, and moving pieces everywhere… but guess what?
Clear to close.

Sometimes the answer isn’t “no.”
Sometimes it’s, “Let me figure out how.”

If you have a buyer who doesn’t fit neatly in the box, send me the puzzle.
I love puzzles!🧩

Worst case? You get answers. Best case? You get keys.

Heather Strawder
Victorian Finance
NMLS ID 1273430
📱256-479-6475

“Easy deals stay easy. Hard deals get done.” ✅

🚨 Hot take 🚨Not everyone should live in an HOA 👀Some people love the structure.Some people want freedom.Neither is wrong...
04/26/2026

🚨 Hot take 🚨
Not everyone should live in an HOA 👀

Some people love the structure.
Some people want freedom.

Neither is wrong…. but you better know which one you prefer before you buy.

HOA’s have their perks for sure!
But nothing is worse than closing on your dream home…
and not realizing beforehand that you will need permission for everything 😅

Which one are you? ⬇️
HOA 👍 or NO HOA 🙅‍♀️

Top 🔟 things people don’t realize before I review their loan application 💙🏡⬇️1. A car purchase 🚘(even before the applica...
03/05/2026

Top 🔟 things people don’t realize before I review their loan application 💙🏡⬇️

1. A car purchase 🚘(even before the application) can derail a home purchase, and/or significantly lower your purchasing power.

2. That loan you co-signed on for a family member? 📄That usually counts against your debt ratio, even if you never make the payment.

3. Zelle, Cash App, and other deposits 💰sometimes need to be sourced. (AKA more documents needed from you)

4. The credit score is sometimes a shock… 😳the scores you see online, are often not the same as the credit scores I pull for a mortgage.

5. Paying down a credit card balance 💳 can sometimes help your score significantly and quickly (one of my favorite quick-fixes!)

6. Student loans that you don’t have to make a payment on yet… 📚still count in the debt ratio. But maybe not as much as you think!

7. “Buy now, pay later in increments” 💸options like Klarna, Afterpay, etc… can cause more issues than they are worth. (Trust me!)

8. Moving money around different accounts 📲can create more documents I need from you.

9. Online mortgage calculators 💻rarely get it right. A preapproval with a local lender (hi!) gives you the real numbers.

10. And my favorite… sometimes, you are closer than you think to that first or next home purchase. 🏠 Sometimes you need a few months to prepare… sometimes you can start your home search today!

💙💙💙

Thats why I always recommend a strategy session before you start house hunting. Sometimes a few small tweaks make a big difference!

If there’s a way, I’ll find it…! 💯 and if there isn’t YET, we’ll build a plan to get there!

Heather Strawder
Victorian Finance
NMLS ID 1273430
📱 256-479-6475
📧 [email protected]

Address

310 The Bridge Street, Suite 100
Huntsville, AL
35806

Telephone

+12568361177

Website

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