Tonya Yarchak- Loan Originator #2345424

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United States
Birmingham, AL
Tonya Yarchak- Loan Originator #2345424

My name is Tonya Yarchak and I am eager to help you with your home loan needs in the Birmingham, AL and surrounding areas. Contact me today.

I listen carefully to what your needs are and use our diverse mix of lending products to fit your situation.

08/21/2026

Friday nights just feel different around here. 🏈✨

The lights. The stands. The band. The cheers you can hear from across town. And at the end of the night, there’s nothing quite like heading home.

Here’s to packed bleachers, hometown pride, and another season under the Friday night lights. ❤️

08/18/2026

A little more room might be closer than you think. 🌿🏡

USDA home loans aren’t just for homes way out in the country. Eligible properties can be found in many rural and suburban communities, which means that front porch, bigger backyard, or little extra breathing room may be more within reach than you realized.

If you’re thinking about buying, let’s see where USDA financing could take you.

Property and borrower eligibility requirements apply.

08/15/2026

Ready to move? 🏡

You don’t have to wait until you’ve found the perfect house to start planning your next move. Talking with a lender early can help you understand your financing options, know what fits comfortably within your budget, and feel more prepared when the right home comes along.

Whether you’re hoping for more space, a different location, or simply a place that feels more like you, your next move can start with a conversation.

Let’s make a plan for what comes next. 🔑

08/13/2026

Big moves come in all sizes. 🎓📦🏡

College move-in season is here, and for a lot of families, it brings more than dorm rooms, packed cars, and new schedules. It can also be a time when you start thinking about what’s next for your own home.

Maybe you need more space. Maybe you’re ready to downsize. Or maybe life is simply taking you somewhere new.

Whatever your next chapter looks like, you don’t have to have all the answers before you start. Let’s talk about your home financing options and make a plan that fits where life is taking you.

08/10/2026

Already have a mortgage quote? Before you move forward, it never hurts to get a second opinion. 🏡

Another set of eyes could help you better understand your options, compare costs, and feel confident about the financing you choose.

If you already have a closing cost estimate or pre-qualification letter from another lender, let’s take a second look together. You’ll even receive a $100 gift card for giving us the opportunity!*

Your mortgage is a big decision. Make sure you feel good about it before you commit.

📲 Send me a message to get started!

08/07/2026

Buying a home is one of the biggest milestones you’ll ever reach, and you don’t have to figure it out alone.

While every home purchase is unique, the process generally follows the same path:

🏡 Review your finances and get pre-qualified.
🔍 Find the home that’s right for you.
📝 Submit an offer and negotiate the details.
📋 Complete inspections, appraisal, and final loan approval.
🔑 Sign your closing documents and get the keys to your new home.

Whether you’re buying your first home or your fifth, I’m here to help make the process as smooth and stress-free as possible. If you’re ready to take the first step or simply have questions, let’s connect!

08/04/2026

A new school year often brings new routines, new schedules, and new goals.
If buying a home is part of what you’re hoping to accomplish this year, now is a great time to start the conversation. Whether you’re ready to buy soon or just beginning to explore your options, we’re here to help you create a plan that works for you.
Here’s to a great school year and exciting new beginnings!

08/01/2026

Happy August! ☀️

A new month brings fresh opportunities to work toward the goals that matter most. If homeownership is on your list this year, whether you’re ready to buy or just beginning to explore your options, I’d love to help you take the next step with confidence.

Wishing you a wonderful month ahead!

07/30/2026

Some of life's biggest moments begin at the front door of a new home.

If homeownership is part of your story, I'd be honored to help you get there. Whether you're buying your first home, upgrading, downsizing, or simply exploring your options, I'm here to guide you every step of the way.

Let's start the conversation.

07/27/2026

🏡 Mortgage Monday Tip

A healthy credit score can make a big difference when you’re preparing to buy a home. While your credit score is only one part of the mortgage process, building strong credit habits today can help open more opportunities tomorrow.

Simple steps like paying bills on time, keeping credit card balances low, and avoiding new lines of credit before applying can help put you in a stronger financial position.

Have questions about where you stand? We’re here to help guide you through every step of the homebuying journey.

Address

2871 Acton Road Suite 200
Birmingham, AL
35243

Telephone

+12052239380

Website

https://www.1stfed.com/birmingham-loan-specialists

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