Mortgage Lender Lisa

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

08/11/2026

Mortgage Minute Monday: Buying a home for parents. If you are helping a parent with their housing needs, there may be a financing option that allows you to purchase a home for them without treating it like a traditional investment property. In this episode, I explain how this type of program can sometimes offer primary residence-style financing even if you already own your own home, and why the parent may not need to be on the loan or title. There are important qualifications and program details to review, but it can create valuable flexibility for families trying to plan ahead. First Community Mortgage can help you determine whether this option fits your situation.

Watch here: https://youtu.be/OO411odDZFY

08/06/2026

5.0 star review received on Experience.com for Lisa Baxter-Wright by Darlene G - Lisa baxter-Wright guided me thru every step. Shes friendly, very knowledgeable and well experience. She always on point and explained everything in detail to me. She made it very easy for me as a first time home buyer.

Click to see all 168 reviews of Lisa Baxter-Wright - First Community Mortgage - Nmls # 1546510, Loan Originator | NMLS ID 1546510

08/03/2026

Mortgage Minute Monday: Accessory dwelling units. An ADU can create flexible space for guests, family members, or potential rental income right on your own property. In this episode, we discuss how homeowners may use tools like a home equity line of credit or cash-out refinance to help fund construction, depending on their qualifications and available equity. It can also offer a manageable first step for someone interested in becoming a landlord, but local zoning, construction costs, and financing details should be reviewed carefully. First Community Mortgage can help you compare the lending options that may fit your plans.

Watch here: https://youtu.be/kqAAhQixmj8

07/28/2026

Mortgage Minute Monday: 100% financing and seller concessions. Buyers may have more flexibility than they realize when a financing program is paired with seller contributions toward eligible closing costs. In this episode, I explain how these pieces can sometimes work together and why comparing multiple loan scenarios matters before choosing a path. The goal is to understand the full picture, including upfront costs, monthly payment, and the tradeoffs between assistance and bringing some money to closing. First Community Mortgage can help you review the numbers and find an option that fits your situation.

Watch here: https://youtu.be/yWJEi03yHTw

07/24/2026

5.0 star review received on Experience.com for Lisa Baxter-Wright by Toni M - Lisa was very professional and responded promptly with any of my questions.

Click to see all 167 reviews of Lisa Baxter-Wright - First Community Mortgage - Nmls # 1546510, Loan Originator | NMLS ID 1546510

07/20/2026

Mortgage Minute Monday: DSCR loans. If you are looking to grow your real estate portfolio, a DSCR loan may open the door to investment property financing based more on the property’s income potential than traditional personal income qualifications. In this episode, I share a newer option that may work for investors with a significant down payment, including scenarios where credit requirements may look different than a traditional loan. It is not the right fit for every buyer, but it could be worth exploring if you are building long-term rental income or planning for future wealth through real estate. First Community Mortgage can help you review the financing details and see what options may fit your situation.

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