Dana Irvine

10/18/2026

🏡 **FHA LOANS ARE GREAT… BUT THEY'RE NOT FOR EVERYONE!** 👀

And I'd rather tell you that BEFORE you apply!

FHA can be a fantastic option for buyers who need flexibility with credit or down payment. But sometimes another loan makes more sense!

**Here are 5 situations where FHA might NOT be your best fit:** 👇

🚫 **1️⃣ Strong credit + solid down payment?**
Conventional may offer lower overall costs, with mortgage insurance that can eventually be removed.

🚫 **2️⃣ Buying a condo?**
FHA has condo approval requirements. Some units may qualify individually, but not all will.

🚫 **3️⃣ Buying a fixer-upper?**
Major repairs could create approval challenges. FHA 203(k) renovation financing may be an alternative!

🚫 **4️⃣ Shopping above FHA loan limits?**
Limits vary by county and could affect your financing options.

🚫 **5️⃣ Buying an investment or vacation property?**
FHA is intended for primary residences.

💙 **SO WHO IS FHA GREAT FOR?**

Buyers who want a low down payment, more credit flexibility, and a path to homeownership!

💡 **MY ADVICE?**

Don't choose FHA just because someone said it's easier.

**COMPARE FHA VS. CONVENTIONAL!**

Look at:
💰 Cash needed to close
🏡 Monthly payment
📊 Mortgage insurance
🔑 Long-term costs

The best loan is the one that fits YOUR financial goals!

👇 **DID YOU KNOW?**

FHA loans aren't just for first-time buyers!

✅ YES!
😳 WAIT… REALLY?!

Drop your answer below! 😂

📲 DM me **"COMPARE"** and let's review your options!

**Dana Irvine | Mortgage Loan Officer**
📍 Temple, TX | Serving TX & KY
Cornerstone First Mortgage, LLC
📱 254-721-4691
📧 [email protected]
🌐 cfmtg.com/dirvine
NMLS #2002554 | Company NMLS #173855
Licensed TX & KY | Equal Housing Lender

*All loans subject to qualification and program requirements.*

10/18/2026

😂📱 **IF SOMEONE OVERHEARD MY PHONE CALLS, I'D HAVE SOME EXPLAINING TO DO!**

"Please don't buy a new truck right now!" 🚗

"Where did that $5,000 deposit come from?" 💰

"Don't quit your job before closing!" 😳

"Yes, I really do need ANOTHER bank statement!" 😂

Honestly, my call history probably wouldn't hold up well in court either!

But here's the thing…

**Every strange question, every document request, and every conversation has ONE goal: getting my buyers closer to those keys!** 🏡🔑

Because behind every mortgage approval is someone making sure the details don't get overlooked.

💙 **My job isn't just about getting you a loan. It's about helping you understand the process and making your homeownership journey a little less stressful.**

👇 **HOMEOWNERS, YOUR TURN!**

What's the STRANGEST thing your loan officer asked you during the mortgage process? 😂

I want to hear it! 👇

📲 **Thinking about buying a home? Let's talk BEFORE you start touring!**

— **Dana Irvine | Mortgage Loan Officer**\
📍 Temple, Texas | Serving Central Texas & Kentucky\
🏡 Cornerstone First Mortgage, LLC\
📱 254-721-4691\
📧 [[email protected]](mailto:[email protected])\
🌐 cfmtg.com/dirvine\
NMLS #2002554 | Company NMLS #173855\
Licensed in TX & KY | Equal Housing Lender

\

Tighten the post for social mediaMake the humor sound more natural

10/17/2026

Please keep me in your thoughts. 🥹

Nothing's wrong…

I just want you to think of me when "just looking" turns into "Wait… what's my monthly payment?" 🏡😂

Dana Irvine | Mortgage Loan Officer
📍 Temple, Texas | Serving Central Texas & Kentucky
🏡 Cornerstone First Mortgage, LLC
📱 254-721-4691
📧 [email protected]
🌐 cfmtg.com/dirvine
NMLS #2002554 | Company NMLS #173855
Licensed in TX & KY | Equal Housing Lender

10/16/2026

👻 **GHOST YOUR EX… NOT YOUR LENDER!** 🏡🎃

Spooky season is officially here, but you know what’s REALLY scary? 😱

When your loan officer asks for updated bank statements, pay stubs, or one little signature… and suddenly you turn into a GHOST! 💀😂

Listen, I fully support leaving your ex on read. 📱🚫

But your lender? We're trying to get you the KEYS to your dream home! 🔑🏡

Here's your friendly Halloween reminder:

👻 Ghost your ex, not your loan officer.

🎃 Keep those documents coming.

💀 Don't disappear when underwriting calls.

🧡 Stay in touch so we can keep your home loan moving toward closing!

Because the only thing we want haunting you this Halloween is the thought of how GOOD it's going to feel walking into YOUR OWN HOME! 🏡✨

**Your ex can stay in the past. Your dream home is waiting in your future!** 🔑

📲 Thinking about buying a home? Don't be scared to reach out! I promise the mortgage process doesn't have to be spooky. 😉

10/15/2026

😂🏡 **Pretty sure you have me confused with someone else.**

In MY version of the dream, the documents come in on day one, the appraisal comes back right where it needs to be, and you get the keys with zero surprises. 🔑❤️

Anything scarier than that, I'm going to need you to keep to yourself. 👻😂

Because around here, we like our scary stories in movies… NOT at the closing table! 🎃🏡

— **Dana Irvine | Mortgage Loan Officer**
📍 Temple, Texas | Serving Central Texas & Kentucky
🏡 Cornerstone First Mortgage, LLC
📱 254-721-4691
📧 [email protected]
🌐 cfmtg.com/dirvine
NMLS #2002554 | Company NMLS #173855
Licensed in TX & KY | Equal Housing Lender

10/14/2026

🏡💬 **WANT THE LOAN OFFICER ANSWER OR THE FRIEND ANSWER?** 👀

Because sometimes they're VERY different!

The loan officer answer tells you what you qualify for.

💙 **The friend answer tells you what you can comfortably LIVE with!**

Here's what I'd tell a friend buying a home:

🏡 **Approved for $350K?**
That doesn't mean you HAVE to spend $350K!

💰 **Your monthly payment matters MORE than your approval amount.**
You still need room for groceries, savings, vacations, and LIFE!

📊 **That "FREE" lender credit?**
It may come with a higher interest rate, costing you more over time.

🔑 **Getting approved is exciting. Being comfortable AFTER closing is the REAL WIN!**

I'm not here to tell you what you want to hear just to get you under contract.

I'm here to help you understand your options and make decisions that fit YOUR financial goals.

*Because the goal isn't just buying a home. It's enjoying life once you're IN it!* ❤️

👇 **LET'S SETTLE THIS!**

Would you rather:

🏡 Buy at the TOP of your approval?
💰 Buy BELOW your maximum and keep breathing room?

**Tell me below!** 👇

📲 DM me **"PAYMENT"** with your price range, and let's look at your numbers together!

**Dana Irvine | Mortgage Loan Officer**
📍 Temple, TX | Serving Central Texas & Kentucky
Cornerstone First Mortgage, LLC
📱 254-721-4691
📧 [email protected]
🌐 cfmtg.com/dirvine
NMLS #2002554 | Company NMLS #173855
Licensed TX & KY | Equal Housing Lender

*Loan terms and payments subject to qualification.*

10/14/2026

Not everyone can be a lawyer or doctor. 😂

Someone's gotta hold it down making mortgages make sense and getting buyers to the closing table! 🏡🔑

— Dana Irvine | Mortgage Loan Officer
Cornerstone First Mortgage, LLC
NMLS #2002554 | Company NMLS #173855
📱 254-721-4691
Licensed in TX & KY | Equal Housing Lender

10/12/2026

10/11/2026

🚨🏡 **ONE WRONG MOVE BEFORE CLOSING COULD COST YOU THE HOUSE!** 😳

You're under contract. You're excited. You're already shopping for furniture.

**HOLD THAT THOUGHT!** 🛑😂

Before you get those keys, here are **7 financial moves to avoid without checking with your loan officer first:**

🚫 1️⃣ Applying for new credit or financing\
🚫 2️⃣ Missing or making a late payment\
🚫 3️⃣ Closing a credit account\
🚫 4️⃣ Making a large purchase\
🚫 5️⃣ Cosigning for someone\
🚫 6️⃣ Starting a new credit dispute\
🚫 7️⃣ Moving balances around or changing your credit picture

💡 **Not every change will derail your mortgage, but an unexpected change could delay closing or affect your approval.**

My advice? **Keep your finances BORING until those keys are yours!** 🔑😂

And PLEASE call me before making any major financial changes. A five-minute conversation now could save days of headaches later.

👇 **LET'S HAVE SOME FUN!**

What's the FIRST thing you're buying after closing?

🛋️ Furniture\
🚗 A new vehicle\
🏡 Home improvements\
💰 NOTHING! I'm rebuilding my savings! 😂

**Drop your answer below!** 👇

📌 Save this and tag someone who's buying a home!

— **Dana Irvine | Mortgage Loan Officer**\
Cornerstone First Mortgage, LLC\
NMLS #2002554 | Company NMLS #173855\
📲 254-721-4691\
Licensed in Texas & Kentucky | Equal Housing Lender

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10/11/2026

🏡 **If your lease ends next spring, NOW is the time to start planning your home purchase.**

Don’t let your lease renewal notice become the deadline that makes the decision for you.

Before you start touring homes, pull out your lease and find:

1️⃣ Your exact lease end date
2️⃣ Your non-renewal deadline and how notice must be delivered
3️⃣ Any early termination or month-to-month options
4️⃣ Your target home closing window
5️⃣ Your backup plan if closing moves

Then decide how much overlap you’re comfortable with.
A short overlap between your lease and your new home can mean paying rent while also beginning your new housing expenses.

But that overlap may give you something valuable: **time.**

🔑 Time to move without doing everything in one day
📦 Time to clean and turn in your rental
🏡 Flexibility if your closing date changes
🚚 More control over movers and utility transfers

Before deciding, let’s look at four numbers:

💰 Your comfortable total monthly housing payment
🧾 Your estimated cash to close
📦 Money needed outside closing for inspections, moving, utilities and planned overlap
🏦 The amount of savings you want to keep after closing

When I help you plan, we look beyond principal and interest. Your estimated housing payment can include principal, interest, property taxes, homeowners insurance, mortgage insurance when applicable, and HOA dues when applicable.

**Your home search should fit your financial plan, not just your lease deadline.**

Lease ending next spring?

📲 DM me **“SPRING”** and let’s start building your homebuying timeline now.

Dana Irvine | Mortgage Loan Officer
📱 254-721-4691
📧 [email protected]
NMLS #2002554
Cornerstone First Mortgage, LLC | NMLS #173855
Equal Housing Lender

*Loan approval, terms, costs, timelines and eligibility are subject to applicable requirements, verification and underwriting approval.*