Vast Mortgage

09/02/2026

What I am proud of?

My most precious transaction are the folks who say I tried several times to purchase a house and failed, then gives me the opportunity to help them succeed.

Those with challenge credit who were turn away but I was able to make recommendations and help them improve their credit score so they can acquire a house.

The folks overpaying for rent whose whose monthly payments becomes a few hundred dollars cheaper when they acquire a home.

It’s also the individuals who are the first in their family to purchase a house.

It’s the single mom who purchase a house on her own despite her fears.

Lastly it’s the young individuals in their 20s who acquire their home at an early age.

Phara Lacombe
Mortgage Broker
Vast Mortgage

09/01/2026

Tip Tuesday!
Buying a home starts before the application. Get your credit in shape. Avoid new debt and research your future neighborhood. A little prep now can prevent stress later. Questions?
Message or Call 770-983-6155
, , , ,

08/28/2026

Can overtime and bonus income help you qualify for more? 
Sometimes, yes.
Depending on your loan program and your history. It could boost your buying power, but it’s not automatic. That’s where we come in. Let’s look at your specific situation and run those numbers. Call me if you’d like a quick, personalized review.
📞770-983-6155

08/26/2026

🧠 Wisdom Wednesday
What is PITI?
Buying a home is about more than just the loan amount. Understanding PITI helps you know what your actual monthly mortgage payment may look like. P equals principal, the portion that pays down your loan balance. I equals interest, the cost of borrowing money. T equals property taxes. I equals homeowners insurance. Knowing these pieces helps you make better decisions and feel more confident. Have questions about your future payment? Send me a message or call 770-983-6155

, , , , , , , , , , , , ,

08/24/2026

Hi everyone.

It’s Phara Lacombe, mortgage broker at Vast Mortgage. I wanted to share a quick update. Rates have stayed relatively steady with a slight dip, while home prices in many markets remain firm. If you’ve been waiting for the “perfect time,” it may be worth exploring your options now. Every situation is unique, and the best time to buy is when you’re financially ready, not when you’re trying to time the market. If you’re thinking about buying your first home, a second home, or an investment property, I’d be happy to help you sort through your options. Feel free to reach out.
~Phara Lacombe
Mortgage Broker
Vast Mortgage

08/24/2026

Mortgage Monday!
Let’s clear up the difference between pre-qualification and pre-approval. Pre-qualification is a quick estimate. Pre-approval is verified and gives you more weight with sellers, stronger buying power. If you’re not sure where you stand,
call 770-983-6155
.

08/21/2026

Hi Everyone,

Enjoy this short video as you learn and compare different ways you can access your equity.
Have a great weekend!

08/16/2026

Not all home equity products work the same way. Whether you’re looking to consolidate debt, renovate, invest, or simply access your home’s equity, choosing the right option matters.

Take a look at this quick comparison chart to see how the different options compare.

If you’d like personalized guidance, call VAST Mortgage. I’d be happy to talk through your goals and help you explore which option may best fit your needs.

Which home equity option could work best for your goals? Let’s talk.

08/01/2026