Your Girl Alex -Mortgage Lender

Your Girl Alex -Mortgage Lender Just a girl sharing her thoughts on the mortgage world.
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Alex Spratto
Loan Officer NMLS | #2441120
First Heritage Mortgage, LLC | NMLS #86548
Equal Housing Lender

Are you feeling overwhelmed with unnecessary space or just ready for a change? 📦It might be the perfect time to consider...
09/09/2026

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/
https://myoc.io/eCSRvZUXfPM/lyYGR

Are you guilty of also thinking, “I’ll never be able to save enough for a down payment.” 💭If this thought has crossed yo...
09/06/2026

Are you guilty of also thinking, “I’ll never be able to save enough for a down payment.” 💭

If this thought has crossed your mind, you’re not alone. The good news? You may have more options than you think. 🏡

The 20% down payment rule is outdated, and today’s buyers have access to a variety of strategies and assistance programs that can help make homeownership more achievable.

Learn three ways to boost your savings and explore programs that could help you get closer to the keys in our latest blog. 🔗
https://myoc.io/eCSRvZUXfPM/BUGo1

Have you looked at current house prices and wondered how anyone can afford the down payment right now? 😬Trust us, you’re...
09/04/2026

Have you looked at current house prices and wondered how anyone can afford the down payment right now? 😬

Trust us, you’re not alone! For most first-time buyers, the down payment is the biggest obstacle between renting and owning. But a little strategy can go a long way in turning your dreams into a reality. 🏡✨

Our latest blog breaks down 3 ways to save faster and highlights assistance programs that could help make buying a home more attainable than you think. Are you ready to get closer to those house keys? 🔑
https://myoc.io/eCSRvZUXfPM/Aprac

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follo...
09/02/2026

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follow-up. 🤖

You don’t have to figure AI out alone — we’ll walk you through it live. A few simple AI prompts can save you hours every week but only if you know how to make tools like ChatGPT and Claude work for you.

That’s why our marketing team is continuing the Marketing Growth Series with a session designed specifically for real estate agents and loan officers, led by Erica Goodwin and Cotton Walsh from First Heritage Mortgage.

Here’s what we’ll cover:
✨ How to make AI sound like you
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

You’ll walk away with practical prompts and a simple game plan you can start using the same day.

Save your spot and join us! Register here 🔗
https://myoc.io/eCSRvZUXfPM/PLfkA

Did you recently find out that you are inheriting a home? 🏠While this may seem like a generous gift, inheriting property...
09/02/2026

Did you recently find out that you are inheriting a home? 🏠

While this may seem like a generous gift, inheriting property can raise many questions about what to do. 🤔 When you inherit a home, there are many hidden costs that many people overlook!

Check out our latest blog to uncover the fine print of your inheritance so you can make an informed decision that is best for you. 🏡🤝 https://fhmtg.com/2026/02/12/what-to-know-when-inheriting-a-property/
https://myoc.io/eCSRvZUXfPM/uOxID

Real estate partners, this is your reminder — if AI has been on your to-do list but you’re still not sure where to begin...
09/01/2026

Real estate partners, this is your reminder — if AI has been on your to-do list but you’re still not sure where to begin, this webinar is for you. 🤖

Our marketing team is back with the next session in the Marketing Growth Series, so you can spend less time trying to “figure out” AI and more time putting it to work to grow your business.

Join Erica Goodwin and Cotton Walsh from the First Heritage Mortgage marketing team to learn:
✨ How to make AI sound like you
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

Spots are limited so don’t miss out! 🔗
https://myoc.io/eCSRvZUXfPM/HsQfh

Selling your current home while trying to buy your next one? 🏡🔄It can feel like you’re trying to line up a million movin...
08/30/2026

Selling your current home while trying to buy your next one? 🏡🔄

It can feel like you’re trying to line up a million moving pieces at once—but with the right strategy and team behind you, it is possible to make the transition smoother!

From deciding whether to buy or sell first to understanding your financing options, there are a few important things to consider before making your move.

We break it down in our latest blog. 👇

🔗 Learn more here!
https://myoc.io/eCSRvZUXfPM/bSCNO

Are you trying to get rid of PMI? If you are, you’re in the right place!PMI is a helpful tool that helps buyers become h...
08/28/2026

Are you trying to get rid of PMI? If you are, you’re in the right place!

PMI is a helpful tool that helps buyers become homeowners sooner without waiting to save a full down payment. But getting rid of PMI means one less monthly expense. Depending on your mortgage, your home’s value, and how much equity you’ve built, there are several possible paths to getting rid of PMI. 😄

For a visualization, Follow along with these steps:
✅ Check your mortgage statement. �
✅ Call your loan servicer. �
✅ Ask about your PMI removal options. �
✅ Find out if your home value has increased. �
✅ Consider making extra principal payments. �
✅ Look into refinancing if appropriate.

Removing PMI can lower your monthly mortgage payment and help you keep more money in your pocket to be used home projects or other investments. 🏡

If YOU want to stop paying more bills, check out our blog to learn more about getting rid of your PMI! 🔗
https://myoc.io/eCSRvZUXfPM/Q5gEp

Real estate partners, if AI is something you’ve been meaning to figure out but don't know where to start, join me for th...
08/27/2026

Real estate partners, if AI is something you’ve been meaning to figure out but don't know where to start, join me for this webinar! 🤖

Our marketing team is continuing their Marketing Growth Series so you can spend less time figuring out AI and more time using it to grow your business.

Join Erica Goodwin and Cotton Walsh from the FHM marketing team to learn:
✨ How to make AI sound like *you*
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

Save your spot and join us! Register here:
https://myoc.io/eCSRvZUXfPM/i4P75

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀PMI (private mortgage insurance) is what l...
08/26/2026

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/eCSRvZUXfPM/9wxJJ

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