Lending with Shae

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Lending with Shae Hi! I’m Shaelyn Ingram and I am a part of The Mortgage Firm team. As a mortgage professional, I understand that purchasing a home is a life-changing event.

TOP 25 Mortgage Loan Officer
RE Investor
Tax, Finance & Business Strategy Expert
Momma of 2 & a doodle
Women's Advocate
Faith & Family
Smart Real Estate Moves UNLOCKED
Licensed FL GA NC KY TN IN PA
NMLS 2602408
NC I-235214
The Mortgage Firm NMLS 189233 I would love to share this exciting experience by working alongside you. With my experience, I can assure you that the entire process will be smooth and simple. If you have any further inquiries, please feel free to give me a call and you could be one step closer to owning your new home.

10/12/2026

Finances are getting squeezed across the country. Temporary pain & emotions should not drive long term decisions. Know your options, plan strategically... You might be thinking thats a nice sentiment Shae... I get it! Ive been in your shoes. The fact is I have made those decisions and I regret some of them because I was too stubborn to ask for guidance and know really my options.

If your in a tight spot. Pause and take a breath. In taking the time to talk with me, sheare your heart. You might just come away suprised with a solution, a true option that we will cross the finish line together. I promise to hold your hand.
~Shae

DM READY and I will help you discover the path forward.

~Shae
NMLS 2602408 · NC I-235214 | The Mortgage Firm · NMLS 189233 | Equal Housing Lender | Licensed in FL, GA, NC, TN, KY, IN, PA

10/10/2026

Want in on my weekly email? 📩

Every week I send one no-nonsense email on mortgages, home buying, taxes, and real estate strategy — the stuff that actually affects your money, explained like a human.

No spam. No hype. Just clear strategy for buyers, homeowners, and investors.

Join the list here: https://themortgagefirm.sf3.tomnx.com/?domain=themortgagefirm.sf3.tomnx.com&slug=tmfsignup2026&userId=V623GTJ

NMLS 2602408 · NC I-235214 | The Mortgage Firm · NMLS 189233 | Equal Housing Lender | Licensed in FL, GA, NC, TN, KY, IN, PA

10/09/2026

Let’s cut the nonsense.

No, this is not a perfect rate market. But buying a home isn’t only about timing the market. It’s usually about life — a relocation, a marriage, a divorce, a growing family, or multiple generations moving into one household.

Rates are one factor. Home prices are another, and prices have softened. The goal is not to wait for perfect conditions. The goal is to make a decision for your current life, using tools that can help the payment fit your budget.

One of those tools is a seller-paid rate buydown. Instead of only pushing for a lower purchase price, we can ask the seller to help fund better financing terms.
The rule stays the same: budget for the full payment, not the starter payment.
People are still buying. We’re using these strategies today — and your life should not be held hostage by the rate environment.

DM me READY and I will show you your options.


NMLS 2602408 · NC I-235214 | The Mortgage Firm · NMLS 189233 | Equal Housing Lender | Licensed in FL, GA, NC, TN, KY, IN, PA

10/08/2026

Let’s cut the nonsense.

No, this is not a perfect rate market. But people don’t buy homes because they perfectly timed the market. They buy because life changed — they relocated, got married, got divorced, had a baby, need more room, or are moving multiple generations under one roof.

Rates should not hold your life hostage. The real question is whether the move fits your life and your budget — and whether we’re using the right tools to structure the financing.

One tool is an ARM. It can start lower, but that lower payment has an expiration date. When the initial term ends, the rate adjusts and the payment can change. For the right timeline, it can make sense. For long-term payment certainty, it may not be the fit.

People are still buying. We’re just using strategy to make the move work.

DM me READY and I will show you your options.


NMLS 2602408 · NC I-235214 | The Mortgage Firm · NMLS 189233 | Equal Housing Lender | Licensed in FL, GA, NC, TN, KY, IN, PA

Don’t let Hometown Heroes set on you 🌙 Florida’s Hometown Heroes round opened in July with $50M for down payment help — ...
10/07/2026

Don’t let Hometown Heroes set on you 🌙 Florida’s Hometown Heroes round opened in July with $50M for down payment help — and more than half of it is already spoken for. Just over $25M left, first-come, first-served. Teachers, healthcare, first responders, childcare, court staff, military & veterans working full-time in Florida: you could get up to $35,000 (5% of your loan) toward down payment + closing costs at 0% interest with no monthly payment. The catch: the money only reserves once you have a signed purchase contract, so “getting ready someday” is how people miss it. DM me “HOMETOWN” and I will show you if you qualify — before the sun sets on this round. 🌅

Disclaimer: Hometown Heroes is restricted to certain job titles and full-time, in-office work in Florida. Eligibility per program guidelines.

NMLS 2602408 · NC I-235214 | The Mortgage Firm · NMLS 189233 | Equal Housing Lender | Licensed in FL, GA, NC, TN, KY, IN, PA

CentralFlorida FloridaRealEstate MortgageTips

10/01/2026

The purchase price is only one piece of an investment decision!

What will the renovation really cost? What could the property rent for? How does the financing affect the numbers? And does flipping or holding make more sense for this client?

Those are the conversations I want more of us having together.

Starting October 14, Emma Reichert and I are hosting a five-part Real Estate Investing Masterclass series for professionals who serve—or want to serve—investor clients.

We’re bringing real-life scenarios, thoughtful questions, and different professional perspectives to the table.

If growing your investor-focused business is on your list, we’d love to have you join us.

Lunch provided.
Details and registration: https://themortgagefirm.sf3.tomnx.com/permalink/5MasterClass_SI

09/23/2026

Growth.

It can be scary. Those butterflies might make you feel like turning back.

I promise you though — the leap, your intuition when you started the journey, the goal, the lessons, the people — it’s all worth showing courage.

Reframing those butterflies into excitement.

Surrounding yourself with the right team of supporters.

And going for it.

Every self-help guru out there will tell you the gold is outside of your comfort zone.

I don’t need to explain this.

You know it’s true.

So whether you’re starting a new business, you’ve got a big idea at work, you’re buying your first home, traveling abroad, or seeing an idea come to fruition…

They’re all important experiences to this adventure we call life.

Just do it.

09/23/2026

Everyone is talking about rates, rates, rates.

But what if the rate hike is actually the least important part of the conversation?

BOLD statement? MAYBE. But not WRONG!

What matters more:

A fixed mortgage gives you a stable, predictable principal-and-interest payment for the next 30 years.

It allows you to lock in today’s home value and let that asset grow over time.

Can you say, interest tax deduction?! The interest you pay on your mortgage can be tax-deductible if you itemize your deductions — taking back some of your hard earned dollars. !REFUND! Don’t ask your Landlord 🤣

There are creative options to help lower your rate now, and strategies to use.

Buying a home should not only be about the rate.

It should be about your family, your season of life, your long-term wealth, your savings goals, and whether owning creates more stability for you than renting.

The headlines are loud. The fear is a reaction. Reframe | Grow | Strategize

Ask better questions. Look at the full picture. Make the move that fits your life, your goals, your strategy.

Confused? I know I know, let’s talk.

09/18/2026

Rates dropping would be divine. For now I’ll be satisfied with fresh flowers.

Rates won’t always be perfect, but I’ll still stop and smell the roses 🌹!

09/16/2026

Getting to know you, getting to know all about you.... LOL

I hope this little tid bit helps you understand how I think through my work and care for my clients. Every transaction is like family. I look forward to serving you and supporting you in this crazy life and achieving your American Dream.

It means so much to me!

Follow, like and share, you never know...we may never cross paths again

Address

921 Douglas Avenue Suite 200
Winter Springs, FL
32714

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+14076025266

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