Christy Seng - Mortgage Consultant nmls#543517

09/09/2026

Waiting for rates to come down before buying? This example gives some rough numbers to consider.

Of course, no one knows what rates or home prices will do in the future. This is simply an illustration of why it’s important to look at the entire picture.

Contact me any time to talk through the numbers and learn your options.
https://myoc.io/sengmortgage

09/07/2026

These are programs you won't find everywhere. As a community-focused bank, we're committed to making homeownership more accessible, and we prove that through solutions like our exclusive Next Horizon Mortgage, Community Homebuyer Grant, and partnerships with local nonprofits, housing organizations, and municipalities that offer additional homebuyer assistance.

In many cases, eligible buyers can combine multiple programs to further reduce their down payment and closing costs.

Reach out anytime if you'd like to learn more, explore your options, or receive a personalized mortgage quote.
https://myoc.io/sengmortgage

09/02/2026

No matter where you are on your homeownership journey, I'm here to help you explore your options.

At First Merchants, we offer:

✅ Low down payment mortgage options

✅ Down payment assistance and grant programs

✅ Construction and renovation loans

✅ Refinance solutions tailored to your goals

If you’re interested in setting up a free planning call, simply send me a message.
https://myoc.io/sengmortgage

09/01/2026

09/01/2026

You browse home listings every night, but calling a loan officer feels intimidating. Most young buyers wait to start simply because they are afraid of asking the wrong questions. Nobody is born automatically understanding debt to income ratios, credit scoring, or home pre-approvals. There are no stupid questions in home buying, only expensive ones you were too embarrassed to ask. Send me a direct message or drop the word START in the comments below. Let us talk about your home goals without any pressure or judgment 🏡

https://myoc.io/sengmortgage

08/31/2026

If you're house hunting, or if you're a realtor with clients preparing to make an offer, I'm always available to help with mortgage pre-approvals and answer questions along the way.

📩 Reach out to get started.
https://myoc.io/sengmortgage

08/26/2026

We have excellent financing options for second homes and vacation homes at First Merchants. Very competitive pricing. If you know someone who is considering a lakefront property, I’d love the opportunity to help them.
https://myoc.io/sengmortgage

08/24/2026

Before you start touring homes, know the number that matters most: the monthly payment you’re comfortable with.

A mortgage pre-approval can help you understand your options, but a good conversation with a lender should also include your budget, goals, and the kind of lifestyle you want after you move in.

Want to get clear on your numbers? Message me to schedule a free budget planning call.
https://myoc.io/sengmortgage

08/24/2026

If mortgage rates stay right where they are for the next year, would you still buy a home? Many buyers assume waiting will make things easier, but home prices and market competition can keep rising. The right move depends entirely on your personal financial situation, not just interest rates. Are you planning to buy or wait over the next twelve months? Send me a message today to map out the smartest strategy for your goals. 🏡

https://myoc.io/sengmortgage

08/19/2026

From January through June 2026, First Merchants helped 310 families access a total of $2.95 million in down payment assistance to make their home purchase more affordable.

If you know anyone looking to buy their first home, reach out to me and my team. We may have a program that can help cover some (or all) of their down payment and closing costs.