Zoe Higginson Mortgage 1 Inc. Florida Nmls#1859163

03/19/2026

03/11/2026

Great News!!!!

Big privacy news for homeowners: a new federal law (the Homebuyers Privacy Protection Act) now restricts “trigger leads.” In the past, when a lender pulled your credit for a mortgage inquiry, the credit bureaus could sell that information to other lenders—often leading to a surplus of unsolicited calls and texts.

Now, your information is better protected and can no longer be sold to other lenders that you are not working with. If you have questions about the Mortgage 1 loan process, feel free to give me a call at 239.471.3696

12/09/2025

✨ 💎Denim and Diamonds💎✨

Had a great time at the Royal Palm Coast Realtor Association 2026 installation gala!

10/22/2025

🏡 𝙀𝙖𝙨𝙚 𝙄𝙣𝙩𝙤 𝙃𝙤𝙢𝙚𝙤𝙬𝙣𝙚𝙧𝙨𝙝𝙞𝙥 𝙬𝙞𝙩𝙝 𝘾𝙤𝙖𝙨𝙩𝙤𝙣 𝙃𝙤𝙢𝙚𝙨 & 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 1!

Ready to make your dream of homeownership a reality? Coaston Homes is making it easier than ever— and they’re covering the cost!

✨ Enjoy lower monthly payments for your first 3 years
✨ Plus, get additional closing cost assistance from Coaston Homes

Whether you’re a first-time buyer or just looking for a smart way to save, this is your chance to lock in long-term stability with short-term savings. Reach out to me today, to get started!

📞 Call or text at 239-849-0387
📧 [email protected]

Let’s get you into your new home today!

10/21/2025

⭐️⭐️⭐️⭐️⭐️

"𝘐 𝘸𝘪𝘭𝘭 𝘢𝘣𝘴𝘰𝘭𝘶𝘵𝘦𝘭𝘺 𝘣𝘦 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘪𝘯𝘨 𝘡𝘰𝘦 𝘵𝘰 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦 𝘐 𝘬𝘯𝘰𝘸. 𝘐 𝘢𝘮 𝘢 𝘧𝘪𝘳𝘴𝘵 𝘵𝘪𝘮𝘦 𝘩𝘰𝘮𝘦𝘣𝘶𝘺𝘦𝘳 𝘢𝘯𝘥 𝘐 𝘩𝘢𝘥 𝘯𝘰 𝘪𝘥𝘦𝘢 𝘩𝘰𝘸 𝘵𝘪𝘳𝘦𝘴𝘰𝘮𝘦 𝘵𝘩𝘦 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 𝘰𝘧 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘪𝘯𝘨 𝘢 𝘩𝘰𝘮𝘦 𝘤𝘰𝘶𝘭𝘥 𝘣𝘦. 𝘏𝘰𝘸𝘦𝘷𝘦𝘳, 𝘡𝘰𝘦 𝘮𝘢𝘥𝘦 𝘪𝘵 𝘪𝘯𝘴𝘶𝘳𝘮𝘰𝘶𝘯𝘵𝘢𝘣𝘭𝘺 𝘦𝘢𝘴𝘺 𝘧𝘰𝘳 𝘮𝘦. 𝘏𝘦𝘳 𝘤𝘰𝘮𝘮𝘶𝘯𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘸𝘢𝘴 𝘶𝘯𝘴𝘶𝘳𝘱𝘢𝘴𝘴𝘦𝘥. 𝘚𝘩𝘦 𝘸𝘰𝘶𝘭𝘥 𝘵𝘦𝘹𝘵 𝘮𝘦 𝘸𝘪𝘵𝘩 𝘶𝘱𝘥𝘢𝘵𝘦𝘴 𝘢𝘯𝘥 𝘢𝘯𝘴𝘸𝘦𝘳 𝘮𝘺 𝘭𝘰𝘯𝘨-𝘸𝘪𝘯𝘥𝘦𝘥 𝘲𝘶𝘦𝘴𝘵𝘪𝘰𝘯𝘴 𝘦𝘷𝘦𝘯 𝘸𝘩𝘪𝘭𝘦 𝘰𝘯 𝘷𝘢𝘤𝘢𝘵𝘪𝘰𝘯...𝘚𝘩𝘦’𝘴 𝘴𝘶𝘨𝘨𝘦𝘴𝘵𝘦𝘥 𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘴 𝘵𝘩𝘢𝘵 𝘢𝘭𝘭𝘰𝘸 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘸𝘪𝘵𝘩 𝘥𝘰𝘸𝘯 𝘱𝘢𝘺𝘮𝘦𝘯𝘵/𝘤𝘭𝘰𝘴𝘪𝘯𝘨 𝘤𝘰𝘴𝘵𝘴... 𝘉𝘺 𝘵𝘩𝘦 𝘦𝘯𝘥 𝘰𝘧 𝘪𝘵 𝘢𝘭𝘭, 𝘐 𝘧𝘦𝘭𝘵 𝘭𝘪𝘬𝘦 𝘐 𝘥𝘪𝘥𝘯’𝘵 𝘫𝘶𝘴𝘵 𝘰𝘣𝘵𝘢𝘪𝘯 𝘵𝘩𝘦 𝘨𝘳𝘦𝘢𝘵𝘦𝘴𝘵 𝘩𝘦𝘭𝘱𝘦𝘳 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 𝘣𝘶𝘵 𝘢𝘭𝘴𝘰 𝘢 𝘧𝘳𝘪𝘦𝘯𝘥..." I. Martinez

✨🏠 Helping first-time buyers feel confident, informed, and cared for is what I do best. Whether it’s your first home or your forever home, I’ll guide you through every step!

Let’s make homeownership happen- reach out to me today!
𝐙𝐨𝐞 𝐇𝐢𝐠𝐠𝐢𝐧𝐬𝐨𝐧, 𝐋𝐨𝐚𝐧 𝐎𝐫𝐢𝐠𝐢𝐧𝐚𝐭𝐨𝐫
𝟐𝟑𝟗-𝟖𝟒𝟗-𝟎𝟑𝟖𝟕
𝐙𝐇𝐢𝐠𝐠𝐢𝐧𝐬𝐨𝐧@𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐨𝐧𝐞.𝐜𝐨𝐦
𝐍𝐌𝐋𝐒 #𝟏𝟖𝟓𝟗𝟏𝟔𝟑

10/08/2025

🚨 What a Government Shutdown Means for Home Loans 🚨

If you’re in the process of buying a home or getting pre-approved, it’s important to know how a government shutdown could impact your loan. For the most part it is business as usual, however there are some minor impacts.

If you’re not sure how this could affect your home purchase or refinance, I’m happy to walk you through your options.

📞 Questions? Let’s chat!
Call or text me at (239) 849-0387

09/30/2025

When other lender's can’t get your deal done, I will find a way to make it work!🏠🔑 This buyer was initially turned down by the preferred lender at a local builder, but I was able to step in and provide the financing with no issues. There’s nothing more rewarding than when Realtors trust me to help their own family members. Congratulations to the new homeowner and her family on this exciting milestone!

06/24/2025

🚨 𝟮𝟬𝟮𝟱 𝗛𝗢𝗠𝗘𝗧𝗢𝗪𝗡 𝗛𝗘𝗥𝗢𝗘𝗦 𝗨𝗣𝗗𝗔𝗧𝗘!🚨

The Florida Legislature has just approved $50 MILLION in new funding for the Hometown Heroes Program – designed to help first-time homebuyers & Veterans with down payment and closing cost assistance! 💰🏡

💥 What's New for 2025?💥

✅ Program returns to an occupation-based structure
✅ Up to 5% of your loan amount (max $35,000) for down payment & closing costs
✅Must be a full-time employee in one of the following:

👩‍⚕️ Healthcare worker
👩‍🏫 School staff
🚓 First responder & public safety
⚖️ Court employee
👶 Childcare worker
🇺🇸 Military service members, reserves & veterans employed full-time in Florida

We are still waiting for the official release date and final details. Now is the time to start planning and get pre-approved! Contact me today to learn if you qualify so you are ready to go once the funds are released!

𝗭𝗼𝗲 𝗛𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻
📲𝟮𝟯𝟵-𝟴𝟰𝟵-𝟬𝟯𝟴𝟳
📨𝗭𝗵𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻@𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗢𝗻𝗲.𝗰𝗼𝗺
NMLS #1859163

06/16/2025

Turning "What even is a mortgage?" into "𝙒𝙀 𝙂𝙊𝙏 𝙏𝙃𝙀 𝙃𝙊𝙈𝙀 and we are loving every second of it!" 🏠🔑

𝗭𝗼𝗲 𝗛𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻
📲𝟮𝟯𝟵-𝟴𝟰𝟵-𝟬𝟯𝟴𝟳
📨𝗭𝗵𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻@𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗢𝗻𝗲.𝗰𝗼𝗺
➡️[email protected]" rel="ugc" target="_blank">https://myloan.mortgageone.com/homehub/signup/[email protected]

06/12/2025

🏡𝗪𝗵𝗮𝘁 𝗦𝘁𝗮𝘁𝗲𝘀 𝗖𝗮𝗻 𝗜 𝗛𝗲𝗹𝗽 𝗬𝗼𝘂 𝘄𝗶𝘁𝗵 𝗬𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴?🏡

📍 All of Florida
📍 All of Ohio

Whether you're buying a new home or refinancing your current one, I’m here to guide you every step of the way!

✨ Plus, Mortgage 1, Inc. is also licensed in:
CA • CT • IL • IN • KS • KY • MI • MN • MT • TX

We've got you covered! Let’s turn your homeownership dreams into reality. 🔑
Reach out today to get started!

𝗭𝗼𝗲 𝗛𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻
📞𝟮𝟯𝟵-𝟴𝟰𝟵-𝟬𝟯𝟴𝟳
📨𝗭𝗵𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻@𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗢𝗻𝗲.𝗰𝗼𝗺
NMLS #1859163

06/09/2025

✨𝓒𝓸𝓷𝓰𝓻𝓪𝓽𝓼 𝓽𝓸 𝓽𝓱𝓮 𝓛𝓸𝔀𝓻𝔂'𝓼✨

I love when I get to help good friends with their home purchases. I’m so happy for you both and grateful you trusted me with your financing journey. Wishing you all the best as you settle into your new home. 🥂❤️🔑

𝗭𝗼𝗲 𝗛𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻
📞𝟮𝟯𝟵-𝟴𝟰𝟵-𝟬𝟯𝟴𝟳
📨𝗭𝗵𝗶𝗴𝗴𝗶𝗻𝘀𝗼𝗻@𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗢𝗻𝗲.𝗰𝗼𝗺
NMLS #1859163