Edith Gallegos, Senior Home Lending Advisor, NMLS #1147968

05/12/2026

If you need help paying off your credit card or other debt, a cash-out refinance* might be right for you. Give me call to see how you could tap into your home's equity.

05/04/2026

04/29/2026

Most buyers think more quotes = better deal. In reality, it often leads to more confusion, not more...

04/01/2026

FHA loans, with their low 3.5% down payment and flexible credit requirements, make homeownership more accessible and affordable, helping you achieve your dream of owning a home.

09/29/2025

One of my favorite portfolio programs at First Merchants Bank is the Hometown Heroes Mortgage. With a low down payment and no PMI, it’s our way of showing appreciation for the everyday heroes in our community – first responders, medical professionals, teachers, and those working for non-profits.

Apply by September 30th to take advantage of a below-market rate on this great program. Contact me for all the details.
https://myoc.io/EdithGallegos

09/24/2025

Our online mortgage calculators help you estimate monthly payments, compare loan options, and understand what fits your budget – so you can research at your own pace.

Try our mortgage calculators now, or contact me for more personalized guidance: https://www.firstmerchants.com/resources/learn/financial-calculators/mortgage-calculators

09/22/2025

FHA loans have been a popular choice for many homebuyers, especially those buying their first home and those working with a small down payment amount.

Because they are insured by the Federal Housing Administration, FHA loans offer lower down payment requirements (as low as 3.5% down) and more flexible credit requirements than conventional loans.

At First Merchants, we offer a lot of options for first-time buyers including FHA loans. Contact me if you’re interested in learning more about FHA loans and other programs you may qualify for.
https://myoc.io/EdithGallegos

09/17/2025

We’re proud to share that in the first half of this year we helped 300 clients secure $2.4 million in down payment assistance – turning dreams of homeownership into reality.

Our expertise and access to a wide network of grant programs is one of the many advantages of choosing First Merchants for your mortgage.

✅ Exclusive in-house grants

✅ Access to grants from community organizations we partner with

✅ Expertise in stacking multiple programs for maximum impact

✅ A heart for helping people prosper

We love helping people become homeowners, and we’re proud to be experts in making the process smoother, more affordable, and more accessible.

Contact me to learn more about our programs and eligibility requirements.
https://myoc.io/EdithGallegos

09/15/2025

Whether you’re buying your first home, upgrading to something bigger, thinking about renovating or building a new construction home, or simply want to analyze the numbers on a refinance, I’d love to be your mortgage go-to!

I offer attentive, personalized guidance with very competitive rates and programs, backed by a dependable organization that has endured since 1893.

Reach out any time for a no-obligation, no-cost conversation.
https://myoc.io/EdithGallegos

09/10/2025

Initial conversations with me are relaxed and informative. We’ll chat about your goals, review your financial situation (be prepared to discuss your income, debts, savings, credit score, etc.), and I’ll answer every question you have with attentiveness and care. From there, I’ll recommend loan options that fit your needs and qualifications.

There’s absolutely no pressure to move forward after we chat. Our intro call is simply a chance for you to see if I’m the right fit as your lender – no strings attached.

Reach out any time to set-up a free call!
https://myoc.io/EdithGallegos