Mortgage Lender Lisa

10/13/2026

Mortgage Minute Monday: Creative ways to sell pieces of land. Buying land and building a home can open up exciting possibilities, but there is more to consider than simply finding the right property. In this episode, Tria shares how soil studies, surveys, builder relationships, and different construction options can help buyers better understand what may be possible on a piece of land. Whether you are considering a custom home, modular home, or manufactured home, understanding your financing options is an important part of the process. At First Community Mortgage, I can help you explore lending solutions that may fit your land and construction plans.

Watch here: https://youtu.be/r43gj2d8Fv0

10/05/2026

Mortgage Minute Monday: Changes to FHA loans. Already have an FHA loan and thought that automatically meant you could not use FHA financing again until that loan was gone? In this episode, I explain some of the circumstances where having two FHA loans at the same time may be possible, including certain life changes involving relocation, family needs, or divorce. There are specific equity, appraisal, and qualification requirements involved, so every situation needs to be reviewed individually. First Community Mortgage can help you look at your current mortgage and determine what options may be available for your next move.

Watch here: https://youtu.be/lqltgGOnLEs

09/28/2026

Mortgage Minute Monday: HELOC. Love your current mortgage rate but wish your home worked better for the way you live today? In this episode, I explain how a Home Equity Line of Credit can let you tap into available equity for projects like adding a bedroom or improving your existing space without replacing your current first mortgage. A HELOC is a second mortgage, so it may give homeowners another option when moving or refinancing the entire loan does not make sense for their situation. First Community Mortgage can help you look at your equity and determine what options may work for your plans.

Watch here: https://youtu.be/zHER71NRCUs

09/21/2026

Mortgage Minute Monday: Household income sources. Qualifying for a mortgage may involve more than just the income from your paycheck. In this episode, I explain how certain documented household income sources, including Social Security benefits, foster care income, alimony, child support, or qualifying rental and boarder income, may be considered depending on the loan program and documentation. We also talk about situations where family members living together may be able to combine resources or co-sign to strengthen the overall application. First Community Mortgage can help you look at the full household picture and understand what income may be eligible.

Watch here: https://youtu.be/rfXU7Q8-glw

09/08/2026

Mortgage Minute Monday: Commercial lending. If you own a business and have been leasing your space, or you have a dream that requires the right brick-and-mortar location, purchasing commercial property may be worth exploring. In this episode, I share how my lending options have expanded beyond residential financing to include commercial properties and even construction-to-permanent financing for certain projects. Whether you are considering an existing building, starting from the ground up, or simply wondering what the numbers could look like, there may be more possibilities than you realize. First Community Mortgage can help you explore the financing side and determine what may fit your plans.

Watch here: https://youtu.be/DQcCpe3sQDE

08/31/2026

Mortgage Minute Monday: Selling assets for a down payment. If the money for your down payment is not already sitting in your checking account, you may still have more options than you think. In this episode, I explain how certain assets, including a vehicle, motorcycle, jewelry, or even an old retirement account, may potentially help you build the funds needed for a purchase when properly documented. We also touch on gift funds and why it is worth reviewing the full financial picture before assuming homeownership has to wait. First Community Mortgage can help you understand which sources may be eligible and how to document them correctly.

Watch here: https://youtu.be/apbmEJ6RR7o

08/24/2026

Mortgage Minute Monday: Specialty listings. Some properties are anything but ordinary, and finding the right buyer can require a very different approach. This week, Tria shares how unique properties like homes in hangar communities, large acreage, family compounds, and other specialty properties may be marketed differently, including opportunities that never appear on the traditional open market. It is a great reminder that what you see online is not always everything that is available, especially when you are looking for something specific. When you find that unique property, I am here with First Community Mortgage to help you explore the financing options that fit.

Watch here: https://youtu.be/8boTWEBBZ6s

08/19/2026

5.0 star review received on Experience.com for Lisa Baxter-Wright by Albert H - She was very knowledgeable and made the whole process easy

Click to see all 169 reviews of Lisa Baxter-Wright - First Community Mortgage - Nmls # 1546510, Loan Originator | NMLS ID 1546510

08/19/2026

Mortgage Minute Monday: Lower credit score requirements for conventional loans. If credit has been the thing holding you back from buying, it may be time to take another look. In this episode, I explain how some conventional approvals may now be possible with lower credit scores when the overall file is strong enough for automated underwriting, and why assets can play an important role in that decision. I can also do a soft credit pull through Equifax so we can see where you stand without creating a hard inquiry and build a game plan from there. First Community Mortgage can help you understand what options may fit your situation.

Watch here: https://youtu.be/pNHnqNvRNCM