Patrick Settle

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Patrick Settle NMLS ID #145115
First Heritage Mortgage, LLC
Equal Housing Lender
Company NMLS ID #86548

HOA fees. Rules. Maybe even a very specific shade of beige for your front door. 😂 That's what HOA is most known for. But...
10/18/2026

HOA fees. Rules. Maybe even a very specific shade of beige for your front door. 😂 That's what HOA is most known for. But there’s more to a homeowners association than just neighborhood restrictions. HOAs can help manage maintenance, maintain shared spaces and amenities, address community concerns, and even help protect property values. 🏡

Of course, there are trade-offs — and whether an HOA is worth it really comes down to what you value most in a home.
🏊 Amenities
🌳 Maintenance
📋 Community standards
💰 HOA fees
🚪 Restrictions

So, is an HOA actually worth it? We’re breaking down the pros, cons, costs, and what to consider before buying a home in an HOA community.

Read the full blog to decide if HOA living is right for you.👇
https://myoc.io/gHQbOOlEw55/1jTMi

Mortgage escrow sounds intimidating, but it’s really just there to protect you and your money. 🏡💰You’ll learn what escro...
10/16/2026

Mortgage escrow sounds intimidating, but it’s really just there to protect you and your money. 🏡💰

You’ll learn what escrow actually is, how it handles your good faith deposit, and how rolling taxes and insurance into your monthly payment can keep big surprise bills from hitting all at once.

If you want to understand how escrow helps your home and budget stay on track, check out our blog! 👇
https://myoc.io/gHQbOOlEw55/2dxKf

🚨 Last call! FHM's social media webinar is tomorrow at 10 AM!If growing your business and staying top of mind with your ...
10/14/2026

🚨 Last call! FHM's social media webinar is tomorrow at 10 AM!

If growing your business and staying top of mind with your network are on your radar, you don't want to miss this 📲

The FHM Marketing team is breaking down how to choose the right platforms, figure out what to post, and build a social media strategy that feels authentic without adding more to your plate.

The webinar is tomorrow, Thursday, October 15, at 10 am! If you haven't registered yet, they have a few spots left. Register here. 👇
https://zoom.us/webinar/register/6517907937624/WN_cnynfJz0RnW7u5k6J4WXig #/registration

Are you trying to decide between a fixed-rate mortgage and an adjustable-rate mortgage? You are not alone in feeling ove...
10/14/2026

Are you trying to decide between a fixed-rate mortgage and an adjustable-rate mortgage?

You are not alone in feeling overwhelmed by this choice. Fixed-rate options give you long-term payment predictability. On the other hand, adjustable-rate mortgages can offer lower initial monthly payments if you plan to move in a few years.

The right choice depends entirely on your personal budget and your future goals. Matching your loan to your life plans is what matters most. 🏡

Tap the link to read the full guide and start figuring out which loan type fits you best! 👇
https://myoc.io/gHQbOOlEw55/MShH6

Should you buy a house now, or is it better to wait? 🤔It’s easy to let mortgage rates and the housing market make the de...
10/11/2026

Should you buy a house now, or is it better to wait? 🤔

It’s easy to let mortgage rates and the housing market make the decision for you. But there’s another question you should be asking: Are you financially ready to buy?

Your savings, credit, income, debt, and even the inventory in your area can all play a role in whether buying now—or waiting—makes the most sense. 🏡

Read our latest blog to learn what to consider before making your move. 👇
https://myoc.io/gHQbOOlEw55/1eDrl

10/09/2026

What if your mortgage payment didn’t have to start at its full amount? 👀

A mortgage buydown can help make those early years of homeownership more manageable by temporarily reducing your monthly mortgage payments. But how does a buydown actually work, and what’s the difference between options like a 2/1, 1/1, or 1/0 buydown?

We’re breaking down what homebuyers need to know, including how mortgage buydowns work, potential savings, and what to consider before deciding if one fits your home financing strategy. 🏡

If you're thinking about buying a home, check out our blog to see if a buydown makes sense for you. 👇
https://myoc.io/gHQbOOlEw55/zCZUM

Our social media webinar has moved to next week, which means you have more time to save your spot and join me! 📅The Firs...
10/06/2026

Our social media webinar has moved to next week, which means you have more time to save your spot and join me! 📅

The First Heritage Mortgage Marketing team will break down how to choose the right platforms, decide what to post, and build a repeatable content strategy that feels authentic, not overwhelming. You’ll leave with a practical roadmap to use social media more intentionally to grow your business. 📈

Here are the details 👇
🗓️ Thursday, October 15
⏰ 10 AM

Let's learn together! DM me for the registration link. 🔗

I’m excited to join the First Heritage Mortgage Marketing Growth Series next week to learn how to use social media more ...
10/01/2026

I’m excited to join the First Heritage Mortgage Marketing Growth Series next week to learn how to use social media more strategically to grow my business. 📈

FHM's marketing team will cover:
✨ Common social media myths that are holding you back
✨ How to choose the right platforms with intention
✨ A simple content formula you can use again and again
✨ How to define your content pillars so posting feels strategic but authentic to you

Whether you’re just getting started or looking to sharpen your strategy, this session will give you a practical roadmap you can start putting into action right away.

Save your spot and join us next week!
🗓️ Thursday, October 8
⏰ 10 AM
🔗 https://zoom.us/webinar/register/6517907937624/WN_cnynfJz0RnW7u5k6J4WXig #/registration

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀PMI (private mortgage insurance) is what l...
09/25/2026

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀

PMI (private mortgage insurance) is what lets many buyers get into a home with less than 20% down — but that doesn’t mean you have to keep paying it forever. Depending on your loan and how much equity you’ve built, there may be a point where you can drop PMI and lower your monthly payment. 🏡🏡

👉🏼 In our latest guide, we break down what PMI actually is and the different ways you can get rid of it once you qualify. Tap the link to see if you’re closer than you think to getting rid of your PMI. 🔗
https://myoc.io/gHQbOOlEw55/6g0jH

Think of PMI like training wheels on a bike. It's helpful at first, but eventually it's time to take them off. 🚲Many hom...
09/23/2026

Think of PMI like training wheels on a bike. It's helpful at first, but eventually it's time to take them off. 🚲

Many homeowners don’t realize they can remove PMI once they hit around 20% equity in their home. Dropping PMI can lower your monthly payment and put real savings back in your pocket. If you’ve been paying on your mortgage for a few years or your home value has increased, you might be closer than you think. 🏡✨

Check out our blog to see if you're ready to kick PMI to the curb and start saving. 🔗
https://myoc.io/gHQbOOlEw55/JWTo5

Address

11325 Random Hills Road, Suite 600
Fairfax, VA
22030

Opening Hours

Monday 8:30am - 4pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8:30am - 5pm

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