Jake McPherson NMLS ID 1557109

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Jake McPherson NMLS ID 1557109 Residential Loan Expert
First Community Mortgage is an Equal Housing Lender. FCM NMLS ID #629700

10/16/2026

Sometimes the right career finds you before you know you’re looking for it.
A mentor encouraged me to step into the mortgage business years ago, and it quickly became clear that helping people navigate finances, solve challenges, and reach homeownership was exactly where I was meant to be.
Today, my favorite part isn’t just getting to the closing table, it’s helping clients feel informed, confident, and supported from the first conversation forward. Your homeownership journey deserves more than a transaction. It deserves a real strategy.

10/15/2026

See blue tape in a brand-new home? Don’t worry, it’s usually a good sign.
Before your new-home orientation, builders often walk through the home and mark items that need attention, such as paint touch-ups or drywall details. It’s a proactive way to catch the little things before you and the builder complete your walkthrough together.
A new home should feel exciting—not like a game of “spot the flaw.” The goal is to address the details early so your final walkthrough feels smooth, clear, and one step closer to move-in day.

10/14/2026

The best real estate investment isn’t always the one with the biggest potential return—it’s the one that fits your goals, your time, and your tolerance for being hands-on.
Want to create a memorable short-term rental? A destination market and unique guest experience may be part of the strategy—but so are marketing, operations, local rules, and ongoing management. Prefer a lower-touch approach? A well-located long-term rental in a desirable school district may offer a different path to consider.
There’s no one-size-fits-all investment property. Before you buy, get clear on the lifestyle, risks, costs, and financing strategy that fit your plan.

10/13/2026

Buying new construction with a preferred lender can mean more than a smooth financing process; it may also mean more help at closing.
With Trademark, eligible buyers may have access to lender credits and builder incentives that can be applied toward allowable closing costs or an interest-rate buydown. That can help reduce upfront expenses, lower the monthly payment, or create more room in the overall homebuying budget.
Incentives, loan terms, and eligibility vary, so the smart move is to compare the full picture—not just the sticker price. Let’s see what options may be available for your new home.

10/09/2026

The dream home usually isn't the first home anymore.
Buy a starter home, build equity, move up — except today that often takes several moves, not one. Families are buying and selling every 3–5 years to get there.
Feeling behind? You're not. We're in a different world, and building toward it over time is normal.
Let's talk about what your next move could look like.

10/07/2026

Buying new construction and wondering when you lock your interest rate? Unlike a typical 30-day closing, a six-month build gives you more time to make that decision.
Standard rate locks are often shorter, while some lenders offer extended-lock options designed for longer construction timelines. Those options may come with different pricing, terms, and availability—so it’s important to compare the tradeoffs instead of locking based on panic or headlines.
The goal isn’t to predict the market perfectly. It’s to build a smart rate-lock strategy around your timeline, budget, and comfort level. Let’s make a plan before the walls go up.

10/06/2026

Been told “no” by another lender? That doesn’t always mean homeownership is off the table.
One buyer came to me after months of frustration trying to get approved for a new build. By taking a fresh look at the full financial picture, exploring credit-improvement steps, and reviewing eligible funds for the down payment, we were able to create a path to pre-approval and help them move forward with their home purchase.
Every situation is different, and using retirement funds or changing credit should always be considered carefully. But a first “no” may simply mean you need a better strategy—not that the dream is over. Let’s review your options.

10/05/2026

Building a semi-custom home is more than choosing a floor plan and waiting for the keys. It can be a hands-on journey from lot selection to final walkthrough.
Depending on the builder and your preferences, you may be involved in key moments like design selections, site walks, framing check-ins, pre-electrical planning, and your new-home orientation. Want an outlet exactly where you charge your phone? A window added before the walls are closed? This is where those details can come to life.
Some buyers want to be involved every step of the way. Others prefer a simpler, more guided process. Either way, it’s your home—and you should know what to expect before the build begins.

10/01/2026

Your new construction home is underway. Now, let’s keep your mortgage plan from taking an unexpected detour.
Between pre-approval and closing, it’s best to keep your finances as consistent as possible. That means holding off on new car loans, major credit-card purchases, new accounts, or job changes unless you’ve talked with your lender first.
Need a new truck? Have a life change? No judgment—just call before you sign. A quick conversation can help you understand how a change may affect your approval and keep your closing on track.

09/30/2026

“I need to fix my credit first.”

“I owe too much on my car.”

“My student loans mean I can’t buy.”

I hear these concerns all the time, and sometimes the buyer is closer to qualifying than they think. Mortgage approval isn’t based on one number or one balance alone. Lenders review factors like your income before taxes, monthly obligations, credit profile, available funds, and loan guidelines to understand the full story.
Your dream home doesn’t need a perfect financial résumé. It needs a smart plan built around your real situation. Message me to find out what may be possible and what steps could help you get there.

Address

3490 Piedmont Road NE Suite 1350
Atlanta, GA
30305

Telephone

+16789824908

Website

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