Christina LeGaux NMLS 2674157

06/23/2026

🏡 FHA vs. Conventional Mortgage Insurance: What’s the Difference?

Many buyers assume mortgage insurance is the same on every loan, but it’s not!

🔸 FHA Loans
✅ Upfront Mortgage Insurance (1.75% of the loan amount)
✅ Monthly Mortgage Insurance (MIP)

• Less than 10% down? MIP stays for the life of the loan.
• 10% or more down? MIP is removed after 11 years.

🔹 Conventional Loans
✅ Monthly PMI when putting less than 20% down

• PMI can be removed once you have enough equity.
• Automatically terminates at 78% LTV if payments are current.

💡 Many buyers use FHA to get into a home with a lower down payment and then refinance to a conventional loan later to eliminate mortgage insurance.

Every situation is different. The best loan is the one that helps you achieve your homeownership goals!

Christina LeGaux
NMLS #2674157
OrangePath Financial Inc.
985-222-0860

06/22/2026

🏡🎉 Congratulations to my clients on having their offer accepted! 🎉🏡

This is a big step toward achieving their homeownership goals, and I’m excited to help guide them through the next phase of the process.

From here, we’ll work through inspections, underwriting, and all the details needed to get to the closing table. My focus is making the financing side as smooth and seamless as possible so they can focus on the excitement of their new home.

Thank you for trusting me with your home financing journey. Here’s to a successful closing and new beginnings! 🔑🏠

Christina LeGaux
NMLS 2674157
Cell: 985-222-0860

06/22/2026

06/21/2026

More time in the day means more time for me to help with your homeownership goals. Reach out today!

06/16/2026

Your loan-to-value (LTV) ratio is one of the main factors that could influence your ability to qualify for certain loan programs. Give me a call to discuss what you could qualify for!

06/13/2026

🏡 Thinking about going house hunting this weekend? 👀✨
Before you fall in love with the perfect home, make sure you’re pre-approved and ready to make an offer! 💰🔑

I’d love to help make the process smooth, easy, and stress-free. Whether you’re a first-time buyer, looking to upgrade, or just curious about your options…I’m here to help! 😊

✅ Fast pre-approvals
✅ FHA, VA, USDA, Conventional & DPA options
✅ Credit guidance available
✅ Weekend availability 📲

Ready to start shopping with confidence? Reach out today and let’s get you pre-approved! 🏠💜

Christina LeGaux
Mortgage Loan Officer
NMLS 2674157
Cell: 985-222-0860

06/08/2026

🏡 Under Contract? Here’s What to Expect During Underwriting! 🏡

Getting your offer accepted is exciting, but the mortgage process isn’t over yet. Once you’re under contract, here are a few things you can expect from underwriting:

✅ Updated pay stubs and bank statements may be requested

✅ Large deposits may need to be documented

✅ Employment will be verified, sometimes more than once

✅ Avoid opening new credit accounts or making large purchases

✅ Underwriters may ask for letters of explanation regarding credit, employment, or bank activity

✅ The appraisal will be ordered and reviewed

✅ Title work and homeowner’s insurance will be finalized

✅ Conditions are normal! Most loans receive additional requests before final approval

💡 The key to a smooth closing is responding quickly to document requests and keeping your financial situation stable until after closing.

Every loan is different, but don’t panic if underwriting asks for more documentation…that’s a normal part of the process!

📞 Have questions about the home buying process? I’m always happy to help guide you from pre-approval to closing.

Cell: 985-222-0860
NMLS 2674157