Heather Congo

01/17/2026

Go check out this beauty

11/03/2025

Some great tips here!

10/30/2025

Stressing over rates? Difference between 6.2% & 5.99% on a $400K loan is $50/mo. That’s your DoorDash. Buy the House.

07/25/2025

✨ First-time homebuyers win! ✨
So proud of these two! We took the time to build a solid game plan, and with a little guidance (and some expert negotiating by the amazing Caleigh), we made their dream of homeownership come true 🏡💪

It’s moments like these that remind me why I love what I do. Congratulations, and welcome home! 🥂

07/19/2025

Look at this beauty.

🚨 OPEN HOUSE — TOMORROW! 🚨
📍 152 Harper Road, Streetsboro
🕛 Sunday, July 20 | 12:00–1:30 PM
💰 $195,000 | 2 Bed | 1 Bath | 1.35 Acres

✨ Country charm meets real life functionality!
Come tour this peaceful property featuring:
✅ Stocked pond & windmill
✅ Barn w/ loft + workshop
✅ New well, new septic, waterproofed basement
✅ Gazebo, garage, and room to roam!

🎣 If you've been dreaming of land, space, and privacy — this is a must-see!

📲 Questions? Message me today or just come by and say hi!


Want me to pair this with a quick text version for a reminder to your sphere or past clients?

Tools

ChatGPT can make mista

06/05/2025

😍😍😍 look at this beauty.

Twilight Open House – Thursday, June 5th
3707 Osage Street, Stow, OH 44224
Tucked away on a quiet dead-end street, this charming 3 bedroom, 1.5 bath colonial in the heart of Stow. Come tour this beautiful home as the sun sets.

Here’s what you’ll love:

Cozy gas fireplace in the living room

Eat-in kitchen with newer sliding doors (2020) leading to a full-sized deck

First-floor laundry for everyday convenience

Three spacious bedrooms with quality storage

Recently updated bathroom (August 2024) with new flooring, faucets, valves, and fresh paint

Attached 2-car garage, newer roof (2022), backyard shed, and great outdoor space

Located just a short walk to the playground, close to local shopping, and minutes from highway access.

This home checks all the boxes—don’t miss your chance to see it during golden hour.

Contact me for more details or stop by the open house.
—
Listed by Jacqui Bowman
Hosted by Valerie Fiala

06/05/2025

🎯 You’re about to buy a home and you’re thinking:
“Should I offer $390K instead of $400K just to save a little?”

But what if you flipped the strategy? 🤔
Instead of offering less, offer full price — and ask for a $10K seller concession to buy down your rate.

💡 Here’s how it works:
✔️ 2.5 points = $10K
✔️ Rate drops from 7% ➝ 6.38%
✔️ Monthly payment goes from $2,661 ➝ $2,497
That’s $164/month back in your pocket!

✅ Pro tip: 1 point = 1% of your loan amount, usually drops your rate by ~0.25%.

Instead of negotiating the price down, you’re building long-term savings into your loan.

Thinking of buying soon? Let’s run the numbers together. DM me “POINTS” and I’ll walk you through it!

💌 Save this post
📩 Share with a friend who’s buying soon

— Heather Congo, your mortgage expert helping buyers get strategic with their savings.

05/31/2025

Go check out these open houses today.. Here are some pricing options at a glance as well.

🏡 DOUBLE OPEN HOUSE — Two Homes, One Sweet Saturday! 🍪

I’m hosting a double open house and you’re invited!
✨ A charming condo
✨ A gorgeous property with acreage
➡️ Come to one or swing by both — I’d love to see you there!

🍪 Cookies will be provided (because real estate is even better with snacks!)

Whether you're looking for cozy or wide open, there's something for everyone.

https://www.zillow.com/homedetails/6290-Greenwood-Pkwy-APT-402-Sagamore-Hills-OH-44067/35373626_zpid/

https://www.zillow.com/homedetails/9311-State-Route-224-Deerfield-OH-44411/35149655_zpid/

Check out the details and message me with any questions!

05/31/2025

Your debt isn’t the problem. It’s the setup that’s tripping you up.

A few weeks ago, I worked with someone earning $120K a year — a solid income, right? Yet every time he tried to get preapproved for a home, he hit the same wall:

💬 “Your debt is too high.”

Here’s what was happening:

🚗 Car Loans — $1,500/month
💳 Credit Cards — $800/month
🤝 Personal Loans — $300/month

His debts were stacked, pushing his debt-to-income ratio (DTI) way over the limit. But instead of telling him to pay everything off (because who just has $50K sitting around?), we took a smarter route:

✅ Debt Consolidation

We combined all his payments into one lower monthly bill, cutting his obligations by almost half. That freed up $1,400/month, lowered his DTI, and boosted his home-buying budget.

Suddenly, he went from hearing “no” to getting preapproved for more home at better terms.

And the best part? He didn’t have to win the lottery or wait years to make it happen.

👉 If you’ve been stuck hearing “you don’t qualify,” don’t give up. It’s not always about how much you owe — it’s how you’re carrying it.

Call me 216-318-4994 today to talk about your preapproval options and see how we can get you into your dream home sooner!

05/28/2025

Before you apply for a mortgage, try this simple credit card trick to give yourself a real advantage.

Here’s the move 👇

➡️ Pay down your credit cards — but don’t just pay them off by the due date.
➡️ Pay them down to under 30% of the limit before your statement closing date hits.

Why? Because lenders don’t just look at your payment history — they pull your current balances when checking your credit score. If your balance looks low when they pull it, your score can instantly jump up.

Even a small boost can mean:

✅ A better rate
✅ Lower monthly payments
✅ A bigger approval amount

It’s a simple move…but it could save you tens of thousands over the life of your loan.

I’ve seen this trick make a HUGE difference for my clients. 💬 Curious what else you can do to tip the odds in your favor?

— 👋 Heather Congo, a mortgage broker who’s all about making the mortgage process simple and stress-free