Julie Vincent Sr. Loan Officer

09/25/2026

Getting ready to buy a home? One of the best things you can do is avoid making major financial changes before applying for a mortgage.

Here are a few common mistakes to avoid:

✔️ Opening a new credit card
✔️ Missing payments on existing debts like loans or credit cards
✔️ Making a major career change
✔️ Financing a new (or used) car
✔️ Making a large deposit you can't provide tax paperwork for

These decisions don't always prevent you from qualifying, but they can affect your loan approval or the interest rate you're offered.

Planning to buy in the next few months? Let's talk early so we can put you in the best position possible. My First Bank team and I are always here to help.

09/24/2026

Looking at a home that's above conventional loan limits? A Jumbo Loan may be the right financing solution.

For times when you need a plus-sized mortgage, like when you find that once-in-a-lifetime home or your family is growing and you need more space fast, First Bank offers Jumbo Loan options with competitive fixed and adjustable-rates. Depending on your situation, these loans may also offer advantages like avoiding private mortgage insurance.

Every homebuyer's journey is unique, and I'd be happy to help you determine if a Jumbo Loan is a good fit for your goals.

You can also read more on First Bank's website: https://bit.ly/4n0YNpJ.

Our mortgage lending team at First Bank knows what it takes to help you finance your upscale home.

09/22/2026

Happy first day of fall! 🍂

As the seasons change, it is a good time for homeowners to work through a simple maintenance checklist:

🍁 Clean gutters and downspouts
🔥 Test smoke and carbon monoxide detectors
🪟 Check windows and doors for drafts
🌡️ Schedule heating system maintenance
🚿 Disconnect outdoor hoses before colder weather arrives

A little seasonal preparation can help protect your home and keep it comfortable throughout the months ahead.

What is the first fall project on your list?

05/22/2026

We offer portfolio adjustable rate mortgages! Call me to learn more and to get started.