Motto Mortgage Sigma Group NMLS #2392430

05/26/2026

What Is “Escrow”… and Why Am I Paying It Twice?! 🤔

This is one of the MOST common questions from buyers:

At closing:
✔️ You prepay your homeowners insurance for the first year
✔️ You also fund your escrow account (usually a few months of taxes + insurance)

After closing (monthly payment):
✔️ A portion goes into escrow every month
✔️ Your lender uses that account to pay your taxes + insurance when they’re due

💡 So no—you’re not paying twice. You’re just setting up and maintaining the account.

Think of escrow like a savings account your lender manages for you 👇
It keeps you from having to pay large lump sums later.

Have questions about your monthly payment breakdown? Let’s walk through it together!

Lesley Ferrell
Mortgage Loan Officer
Licensed in MS
NMLS # 546534
📞 (601) 307-5514
📧 [email protected]

Apply now:

Looking to get a mortgage or refinance your home in Hattiesburg, MS 39402? Lesley Ferrell at Motto Mortgage (NMLS #546534) can help you find the best rates and close your loan fast. Get approved now!

05/14/2026

🌟 Lesley Ferrell 🌟

With over 14 years of experience, Lesley Ferrell, Senior Loan Officer, is dedicated to guiding individuals and families through the home loan process. Passionate about finding creative financing solutions and providing exceptional service, Lesley takes pride in helping clients achieve the milestone of homeownership.

Click the link below to connect with Lesley!
https://www.mottomortgage.com/offices/sigma-group-hattiesburg/lesley-ferrell

05/14/2026

🌟 Will Harris 🌟

With over 25 years in the mortgage industry, Will Harris brings unparalleled expertise to his role as Vice President of Mortgage Operations. Known for his exceptional service and communication skills, Will has helped countless clients achieve their dream of homeownership. Active in the Hattiesburg Area Association of Realtors and the Greater Hattiesburg Homebuilders Association, he is dedicated to his community and enjoys outdoor activities, tennis, and family time.

Click the link below to connect with Will!
https://www.mottomortgage.com/offices/sigma-group-hattiesburg/will-harris

05/14/2026

Meet our team! 🤩💙

Will Harris, Vice President of Mortgage Operations
Mortgage | NMLS # 926522
E: [email protected]
P: (601) 596-5757

Lesley Ferrell, Mortgage Loan Officer
NMLS # 546534
E: [email protected]
P: (601) 307-5514

David Saulters, Broker Owner of MOTTO Mortgage
Sigma Group NMLS #2392430

04/30/2026

Happy Birthday, Will! 🎉💙

04/20/2026

04/20/2026

What Do Closing Costs REALLY Include? Read This FIRST! 🏡

Before you get to the closing table, here’s where your money is going:

✔️ Lender Fees (origination, underwriting, processing)
✔️ Title Company Fees (title search, title insurance, closing/settlement)
✔️ Appraisal Fee
✔️ Credit Report Fee
✔️ Prepaid Items (homeowners insurance, property taxes, interest)
✔️ Escrow Setup (taxes + insurance reserves)
✔️ Misc. Fees (recording, courier, admin, etc.)

💡 Closing costs typically range from 2%–5% of the purchase price.

Don’t let closing costs catch you off guard—ask for a Loan Estimate early so you know exactly what to expect!

Lesley Ferrell
Mortgage Loan Officer
Licensed in MS
NMLS # 546534
📞 (601) 307-5514
📧 [email protected]

Apply now:
http://Www.closewithlesley.com

Looking to get a mortgage or refinance your home in Hattiesburg, MS 39402? Lesley Ferrell at Motto Mortgage (NMLS #546534) can help you find the best rates and close your loan fast. Get approved now!

04/17/2026

Private Mortgage Insurance (aka PMI) may sound mysterious, but here’s the truth: it’s not forever (meaning you can kick it out later.) Think of it as a temporary roommate who helps you get into your home faster. Once you’ve built enough equity, you can say goodbye and keep more cash in your pocket. 💰🙌

Need help getting started on taking the next step in your homebuying journey? Let’s get connected – reach out today!

04/15/2026

The market? That’s one piece of the puzzle 🧩 This is your homebuying journey, so focus on what you can control.

Even if you’re not planning to buy for a while, you can still plan today. Your future home could be closer than you think.

Ready to get started on the next step in your homebuying journey? Let’s get connected – reach out today!

04/10/2026

It’s closing day! You’ve signed, initialed, and double-checked every page, and now the keys are almost yours.
Pro tip: limber up those wrists before you start, because this paperwork marathon is the last hurdle before homeownership. Once you’re done, it’s all high-fives and house keys.

Ready to start your homebuying journey (and your signature training)? Reach out today!