ToddPede - First Heritage Mortgage

06/03/2026

Did you know that global events have a big impact on mortgage rates? From international conflicts to pandemics, all of it plays a role in the fluctuations you’re seeing.

I've put together a guide explaining why these changes happen, lessons from history, and tips on staying savvy in the market.
Check it out and let’s discuss how to navigate these shifts for your benefit. 📈 ➡️ https://fhmtg.com/blog/how-global-events-affect-mortgage-rates-and-the-housing-market/
https://myoc.io/dcGpuZFGM6P

06/02/2026

5.0 star review received on Experience.com for Todd Pede by Candace M - Overall, everyone was responsive and helpful - Todd and Carol especially

06/02/2026

This is in. ‼️ Real estate investing is gaining momentum right now as the market shifts. Buyers have greater negotiating power, and new opportunities are opening up across vacation rentals, real estate, and more!

If you are eyeing your next investment, our team can guide you in turning an opportunity into long-term value. Get started here! 🤝 https://fhmtg.com/2022/05/05/getting-started-in-real-estate-investment/

06/01/2026

5.0 star review received on Experience.com for Todd Pede by Ashley B - Very fast and smooth process and questions were answered very quickly.

Click to see all 213 reviews of Todd Pede at First Heritage Mortgage, VP, Branch Manager | NMLS ID #846737

06/01/2026

05/31/2026

5.0 star review received on Experience.com for Todd Pede by Manuel D F - Fron introduction to the end Todd was rapid in responding and assuring communication was always a priority. Thank you Todd.

Click to see all 212 reviews of Todd Pede at First Heritage Mortgage, VP, Branch Manager | NMLS ID #846737

05/31/2026

Meet the Big 3: Fannie Mae, Ginnie Mae and Freddie Mac.

They don’t lend directly, but they work behind the scenes to make home loans more accessible and affordable for you!

We explain how in our blog. 👉🏼 https://fhmtg.com/2026/03/12/what-to-know-about-fannie-mae-ginnie-mae-and-freddie-mac/?fbclid=IwY2xjawRDWW9leHRuA2FlbQIxMABicmlkETF5aHhvR0JEMDAxVnhPMVpMc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHkDB1xXImxdTsaBvZpGTOEZnrwAjt6_qpoFQsG1rC_Y5wc_msEm9Clf2ZyxK_aem_i_fAKDy9yDq9vmkYQhRGkg

05/31/2026

5.0 star review received on Experience.com for Todd Pede by Kevin F - Todd and Teresa were very helpful in communicating with me when I was having email difficulties they sent messages by text which made all the difference and made it possible to complete the needed

Click to see all 211 reviews of Todd Pede at First Heritage Mortgage, VP, Branch Manager | NMLS ID #846737

05/29/2026

Are you feeling overwhelmed with unnecessary space or just ready for a change? 📦

It might be the perfect time to consider downsizing your home! Whether you're looking to cut costs, simplify life, or embrace a cozy new environment, downsizing unlocks opportunities for growth and financial freedom. 😄

Check out our latest blog to find out if now is the right time for you to make the move! Are you ready to take the leap? 👉🏼 https://fhmtg.com/2026/03/26/when-is-the-right-time-for-downsizing-your-home/

05/27/2026

Buying a home can be overwhelming, especially if you are self-employed. But, by understanding lender expectations and exploring loan program options, buying a home as a self-employed borrower is absolutely possible! 🏠✨

Check out our blog for some advice to get you started! 🔗 https://fhmtg.com/2026/01/01/how-to-buy-a-house-when-you-are-self-employed/