Heather Myrick, NMLS 2488871 - Mortgage Investors Group, Loan Officer

10/31/2026

10/30/2026

Happy Fall Y’all! 🏡🍂

10/29/2026

Don’t ask for $30K off. Ask for this instead 👇

Most buyers go straight for a lower price because it feels like the win. But when you run the numbers, it’s not even close.

On an $800,000 home with 10% down:

A $30K price reduction at 7.25% saves about $184/month.

Keeping the $800K price and using seller credits to help buy the rate down from 7.25% to 5.75% could save about $710/month.

That’s roughly $526 MORE every single month.

Why the big gap? A price cut only shrinks your loan a little. A lower rate works on your entire loan balance, every month, for as long as you have the loan.

So before you write your next offer, ask yourself: am I negotiating for the lowest price, or the lowest payment?



— www.lendingwithheather.com

10/23/2026

Here is the part actually worth saying out loud: all of that is what the job looks like when it is going well.

Closing feels easy because somebody caught the missing page early, asked about the deposit before underwriting did, and already explained escrow twice so it was not a surprise on closing day.

It looks like paperwork and small talk. It is really just preparation happening in public.

If you are buying this fall, send me a message. I will handle the sideways bank statements.

— Heather, your go-to loan officer in Knoxville, Tn (but also doing loans in GA, VA, KY, NC & AL)

10/20/2026

Swipe through and tell me one of these didn’t hit a little close to home.

Funny thing about this job. People come in talking about rates and loan amounts, and ten minutes later I’m hearing about what’s actually been bugging them: the rent that keeps climbing, the savings they’re scared to touch, the payment they’re afraid they can’t handle.

Which is honestly the smartest place to start. Because the best mortgage question isn’t “how much can I borrow.” It’s “what payment lets me keep living my life.”

That’s the number I build everything else around.

10/16/2026

Yes, I rank everything like a loan. Halloween never stood a chance.

Full size bar people, you want one payment for 30 years and you never want to think about it again.

Fun size people, you figured out that getting in the door beats waiting for perfect.

Candy corn people, you’ve been defending your choices since kindergarten, and as long as you have a plan for when that rate adjusts, respect.

Raisin people, everyone else assumed they didn’t qualify and you actually asked. Secretly a superpower.

Tell me which one you’re shopping for and I’ll run the numbers for you.

– I’m Heather, a loan officer in Knoxville, TN.

Follow along for honest takes on buying, rates, and what nobody explains about getting a mortgage.

P.S. Most of my clients start by sending me a message right here, so don’t be shy!

10/16/2026

Yes, I rank everything like a loan. Halloween never stood a chance.

Full size bar people, you want one payment for 30 years and you never want to think about it again.

Fun size people, you figured out that getting in the door beats waiting for perfect.

Candy corn people, you’ve been defending your choices since kindergarten, and as long as you have a plan for when that rate adjusts, respect.

Raisin people, everyone else assumed they didn’t qualify and you actually asked. Secretly a superpower.

Tell me which one you’re shopping for and I’ll run the numbers for you.

– I’m Heather, a loan officer in Knoxville, TN.

Follow along for honest takes on buying, rates, and what nobody explains about getting a mortgage.

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

10/09/2026

Nobody grows up saying they want to be the person who reads a bank statement line by line.

Somebody has to, though. Somebody has to spot the deposit that needs a paper trail, ask about the car payment that is not on the application, and say out loud that the payment is tighter than you think before you get attached to a house.

It is not an impressive job to describe at a dinner party. It is a useful one. Most of what I actually do in a week is catch things while they are still easy to fix, so nobody finds out the week of closing.

So if your loan closes on time and nothing weird comes up, that was not luck. Somebody was paying attention early, when it was boring.

If you want that somebody on your side, send me a message.

– If we haven’t met yet, I’m Heather, a loan officer in Knoxville, Tn, helping buyers plan a payment that fits their budget.

10/08/2026

This started as a joke and turned into a pretty accurate way to explain loan options.

The real point: there is no single best mortgage, the same way there is no best coffee. There is the one that fits your budget, your plans and how much surprise you can handle.

The only wrong order is the one you did not know you were placing. If you have only ever seen one quote, you have not really ordered yet.

Tell me your coffee order in the comments and I will tell you which loan you would probably love.

-Heather Myrick, your local loan officer in Knoxville, helping first time buyers understand their financing options.

,GA,VA,AL,NC,KYmortgagelender

10/07/2026

Down payment help isn’t always free money, here’s how to tell 👇



GRANT

Money toward your down payment or closing costs that usually does not have to be paid back.

Ask: Are there any conditions, like living in the home for a set time?



FORGIVABLE LOAN

A loan that goes away over time if you follow the rules, usually by living in the home for a set number of years.

Ask: What happens if I sell or refinance before it’s forgiven?



DEFERRED LOAN

No monthly payment now. The full amount comes due later, usually when you sell, refinance or pay off the mortgage.

Ask: When exactly is it due, and does the amount grow over time?



SECOND MORTGAGE

A second loan with its own monthly payment, on top of your first mortgage.

Ask: What is the payment, and what does it do to my total monthly cost?

The one question to ask before you accept any of them:

“Do I ever have to pay this back, and if so, when?”

Send me the name of the program you are looking at, and I will tell you in plain English which of these four it is.



— Heather Myrick, your go-to mortgage loan officer in Knoxville, Tn (but also lending in Al, Ga, Ky, Va and Nc)