Patty Seagrave , Branch Manager/Loan Originator

06/12/2026

A fixer-upper can feel exciting and overwhelming at the same time.

You see the potential.

You also see the outdated kitchen, the roof question, the flooring, the repairs, and the list that keeps growing in your head.

Before you write it off, talk through the financing.

There may be options for renovation financing, but the home, repair scope, appraisal, timeline, and payment all need to make sense together.

The goal is not to talk yourself into a project.

The goal is to know whether the project is actually workable.

Contact me for that “FIXER-UPPER” if you want help understanding renovation loan options before you make a decision.

06/10/2026

Self-employed buyers usually do not have a simple income story.

You may have strong revenue, smart write-offs, changing deposits, seasonal income, or a business that looks different on paper than it feels in real life.

That does not automatically mean you cannot qualify.

It means your mortgage needs to be reviewed with the right strategy before you apply.

The earlier we look at your income, tax returns, and possible loan options, the fewer surprises you run into later.

Contact me and I’ll tell you what a lender may use for your income.

06/05/2026

5.0 star review received on Experience.com for Patty Seagrave by Lori A S - Very communicative and very responsive to our questions.

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06/05/2026

When I review a home loan application, I am looking at more than the documents.

I am looking for the things that can affect the approval before they become a problem.

Credit limits can reduce borrowing power.

Some income may not count the way buyers expect.

Debts can affect the payment a lender believes you can handle.

Even recent spending patterns can matter when a file needs to be explained clearly.

The earlier we look at these details, the more options we usually have.

Contact me if you want help understanding what a lender may see before you apply.

Save this for later.
Send it to someone getting ready to apply for a mortgage.

06/03/2026

Let me know in the comments!

06/02/2026

5.0 star review received on Experience.com for Patty Seagrave by Russell L H J - Everything went smoothly and they were very helpful. Thank you so much for helping us

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06/02/2026

5.0 star review received on Experience.com for Patty Seagrave by Emmily A V - Patty was great at answering questions and responding in a timely manner. She really made the whole process so smooth!

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06/02/2026

The universe has spoken… and apparently it’s very into paperwork. 😂

If the first word you saw was PREAPPROVAL, that’s your sign to stop casually scrolling Zillow and start finding out what you can actually afford.

Because “just looking” turns into “wait… could I buy this?” real fast.

05/31/2026

That Clear to Close feeling is undefeated.
The stress, the paperwork, the waiting, the “just one more document” emails…

All worth it when we finally get the green light.

05/29/2026

Your mortgage payment may include more than principal and interest.

A portion can also go into an escrow account, which is used to pay your property taxes and homeowners insurance when those bills come due.

So instead of you having to remember separate due dates, your servicer collects money monthly and pays those bills on your behalf.

Here is the part buyers need to know:

Your interest rate can be fixed, but your total monthly payment can still change.

Why?

Because property taxes and insurance premiums can change.

That is why understanding escrow matters before you buy, not after you get the payment notice.

Save this for later, especially if you are comparing monthly payments right now.