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

Before you buy the beach house… there are a few things you should know! 🌊 Beachfront properties can be amazing second ho...
03/30/2026

Before you buy the beach house… there are a few things you should know! 🌊

Beachfront properties can be amazing second homes or investment opportunities, but they also come with important considerations like insurance, maintenance, or local rental rules. 🏡

If owning a home by the water is on your bucket list, make sure you understand the full picture first. 🏖️ Read our blog to learn more. 🔗 https://brev.is/CDkKL

It's officially Spring. You know what that means... 🌸🧹🧼🌷🧽🌼Mark your Sundays for some spring cleaning to mentally prepare...
03/28/2026

It's officially Spring. You know what that means... 🌸🧹🧼🌷🧽🌼

Mark your Sundays for some spring cleaning to mentally prepare to leave winter behind and fully embrace what the new season will bring. 🗓️🧺

If you don't know where to start, we have a checklist that will help you get past the winter blues. 👉🏼 https://brev.is/ZoCIw

A home inspection is a crucial element of a house purchase. You should know about any necessary repairs or maintenance i...
03/27/2026

A home inspection is a crucial element of a house purchase. You should know about any necessary repairs or maintenance issues that could make or break the potential of your new or existing home. 🤔🛠️

To learn how a home inspection works, read our blog so that you know what to look out for! 👉🏼 https://brev.is/F71Uh

You've probably heard the names Fannie Mae, Freddie Mac, and Ginnie Mae — But what’s the difference and why does it matt...
03/26/2026

You've probably heard the names Fannie Mae, Freddie Mac, and Ginnie Mae — But what’s the difference and why does it matter? 🤔

These key players help keep the mortgage market moving and impact your homebuying options more than you might think! 🏡

To learn how they work and compare, read our blog. 👉 https://brev.is/ax00Y

Are you self-employed? We get it. 💼 Our loan officers at First Heritage Mortgage help freelancers, consultants, and entr...
03/25/2026

Are you self-employed? We get it. 💼

Our loan officers at First Heritage Mortgage help freelancers, consultants, and entrepreneurs secure the right home loan with confidence. By understanding expectations and your loan options, you can achieve homeownership! 🏡

We break down what lenders want to see and the best loan programs for self-employed borrowers in our blog! 🔗 https://brev.is/h4Ghq

Traditional mortgage guidelines can be tough to meet. 🤔 If your income, credit, or employment does not fit the standard ...
03/23/2026

Traditional mortgage guidelines can be tough to meet. 🤔

If your income, credit, or employment does not fit the standard mold, you still have options like Non-QM loans! They offer flexible ways to qualify to help make homeownership possible. 🏡✨

To learn more, read our blog! 🔗 https://brev.is/jK7lr

House hunting right now could come with some unexpected advantages. 👀 Buyers in today’s market may be able to negotiate ...
03/21/2026

House hunting right now could come with some unexpected advantages. 👀

Buyers in today’s market may be able to negotiate seller concessions, which can help cover some closing costs and make buying more affordable! 🏠

Find out how seller concessions work in our blog! 🔗 https://brev.is/aWhBr

Would you ever buy a house by the beach? 🏖️🌊 Beachfront properties are highly desirable and can even boost property valu...
03/20/2026

Would you ever buy a house by the beach? 🏖️🌊

Beachfront properties are highly desirable and can even boost property values, but they also come with unique costs like higher insurance, maintenance, and storm risks. ⛈️

But before you start picturing sunset walks on the sand, make sure you know what to evaluate first! Check out our blog to learn more about buying beachfront property 🔗 https://brev.is/vPlel

Who doesn't dream of an ocean view? 😍 While coastal real estate has its perks, it can also carry unique risks and costs ...
03/18/2026

Who doesn't dream of an ocean view? 😍 While coastal real estate has its perks, it can also carry unique risks and costs that require careful planning! 🌊

Are you thinking about buying beachfront property for the summer, check out our blog. 🔗 https://brev.is/owxSQ

Are you dreaming of falling asleep to crashing waves or sipping coffee with a salty ocean breeze? 🌊 A beachfront home so...
03/14/2026

Are you dreaming of falling asleep to crashing waves or sipping coffee with a salty ocean breeze? 🌊 A beachfront home sounds perfect, but there’s more to consider than the view. Coastal properties come with unique risks and costs! ⛱️

If you are considering buying a beachfront property, read our blog to learn what you should evaluate before making the move! ☀️ https://brev.is/LMCVv

Are interest rates dropping? It might be time to refinance your mortgage. 🤩 Refinancing can help you lower your payment,...
03/11/2026

Are interest rates dropping? It might be time to refinance your mortgage. 🤩

Refinancing can help you lower your payment, shorten your loan term, or unlock equity from your home. But the right timing depends on your goals.🏡

Read our blog to learn when refinancing makes the most sense for you! 🔗 https://brev.is/L7YAI

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Fernandina Beach, FL
32034

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+18083661965

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