Ashley Gibson, Mortgage Loan Officer, First Choice Lending Services, LLC

03/22/2026

This weather feels like BBQs in your new backyard ☀️🍉🕶️

Let’s make that happen!!

Apply today: https://fcls.my1003app.com/1914392/register

03/21/2026

🚨 ATTENTION 🚨

When you get pre-approved for a mortgage, that approval is based on a snapshot of your finances at that exact moment. For your loan to make it all the way to closing, that picture needs to stay as consistent as possible.

If you apply with $20,000 in your bank account but spend it down to $10,000 before closing, you may no longer meet the asset requirements and that can delay or even deny your loan.

If you apply working full-time hours and then reduce your hours or change jobs, your income may no longer qualify and that can delay or even deny your loan.

If you apply with a certain amount of debt and then open new credit cards, finance a car, or take on new payments, your debt-to-income ratio increases and that can delay or even deny your loan.

If you apply with a certain credit score and then miss a payment or max out accounts, your score can drop quickly and that can delay or even deny your loan.

Even small changes can have a big impact during underwriting because lenders re-verify your income, assets, credit, and employment right before closing.

The bottom line:
Once you’re pre-approved, keep everything as stable as possible, no big purchases, no job changes, no new debt, and no missed payments until your loan is fully funded and you have the keys in your hand.

A pre-approval is just the first step… not the final approval.

12/22/2025

I'll see you at the closing table!

Ashley Gibson (Ferguson)
🏡Mortgage Loan Officer
Licensed in TN & GA
First Choice Lending Services, LLC🧡
📞: 423-271-1096
❤️Like, share & follow if you're in the market for a reachable lender

12/21/2025

12/21/2025

🚨ATTENTION🚨

The information you give and are pre-approved for a home loan with is what needs to remain in order for your loan to be final approved.

If you apply with $20,000 in the bank, but when you go under contract you only have $10,000 that could cause a denied loan‼️

If you apply working 40 hours a week, but when you go under contract you decide to start working 30 hours a week that could cause a denied loan‼️

If you apply with only 2 debts on your credit but when you go under contract, you have 4 debts on your credit instead that could cause a denied loan‼️

If you apply with a 640 score, but when you go under contract, you miss a payment and your score drops 40 points that could cause a denied loan‼️

Moral of the story is when you are preapproved for a home loan, don’t change anything until your loan has been funded and you have keys in your hand or you run the risk of your loan being declined. A pre-approval is NOT a final approval‼️

12/18/2025

Mortgage Application Link 👇

https://fcls.my1003app.com/1914392/register

12/18/2025

Thinking about buying a home?

Before you start scrolling listings, here are a few things you really need to know:

✔️ You do NOT need perfect credit. Many programs allow scores lower than people think.

✔️ Down payment myths are real. You don’t always need 20% down—some loans require as little as 0–3%.

✔️ Your monthly payment matters more than the price. We qualify you based on what fits your budget, not what stretches it.

✔️ Don’t change jobs, open credit, or make big purchases while in the process—yes, even that new car!

✔️ There are grants and assistance programs many buyers don’t even know they qualify for.

The best move? CALL ME! 423-271-1096