Michele Schambough: First Horizon Mortgage NMLS #419373

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Michele Schambough: First Horizon Mortgage NMLS #419373

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NMLS #419373
Being a local lender does make a difference. Because we're local, we can speed the loan approval process which can save you time and money.

With the flexibility to offer outstanding home loan options, First Horizon Mortgage in Lafayette stands out against the competition. We offer consistently competitive rates; local expertise; and a seasoned, professional team of lenders to help qualify more borrowers, close more loans, and turn your dreams into reality. Visit or contact your neighborhood First Horizon Mortgage office today, or visit us online!

11/03/2026

Your buying power varies significantly depending on your location. The same $100,000 income creates vastly different buying power across the region. This doesn't mean that one market is "better," just that they require different strategies.

If you're relocating for work or considering multiple cities, make sure you account for tax rates, insurance requirements, HOA prevalence and commuting costs.

Learn more about homebuying power: https://bit.ly/4izuCG4

10/27/2026

Waiting for rates to drop? Unfortunately, future rate changes are impossible to predict. Purchasing the right home at a rate you can comfortably afford beats the perfect rate on the wrong home.

If you're uncertain about your next step, connect with a First Horizon loan officer. We can discuss your options and help you make a decision that suits your life.

Read more about protecting your purchasing power: https://bit.ly/4iimbP8

10/20/2026

While maximizing your pre-approval amount for a larger home may align with your overall financial situation, be aware that a bigger home involves higher expenses beyond just the mortgage.

Purchasing below your max approval may offer enhanced financial peace and flexibility for savings, lifestyle, and unexpected expenses.

Learn more: https://bit.ly/4yvLzHe

Send me a message for more guidance on your homebuying journey.

10/15/2026

5.0 star review received on Experience.com for Michele Schambough by Chad M L - Michelle was very knowledgeable and that helped the process flow smoothly. She was always accessible whenever there was a question.

Click to see all 136 reviews of Michele Schambough, Mortgage Loan Officer

10/15/2026

Many clients underestimate the impact long-term care expenses can have on their retirement savings, often missing this key aspect in their planning. With healthcare costs rising and longer life expectancies, addressing this gap is becoming more important than ever.

How are you preparing for unexpected long-term care needs in your retirement strategy?

A new ACLI survey finds most middle-class Americans plan to rely on Medicare for long-term care, but that’s not covered!

10/14/2026

5.0 star review received on Experience.com for Michele Schambough by Lori B L - Everything from initial inquiries about a loan to closing and beyond was handled so efficiently. Michele answered any questions we had promptly. We were busy preparing a child for a trip to Rome with her class, planning our own vacation, and doing all of this around our own work schedules. Everything went so smoothly. Chad even texted Michele while we were on vacation and we had a response within minutes and satisfactory results within a couple of hours. I would 10/10 recommend the team of Michele, Wendy, and Kisha to anyone considering a refinance or loan. Thanks for making something so big and overwhelming seem like a routine daily task for us. Greatly appreciated!

Click to see all 136 reviews of Michele Schambough, Mortgage Loan Officer

10/13/2026

Mortgage rates might be higher than the historic lows of 2020–2021, but here's why homeowners are still refinancing:
- Shorter loan terms to pay off the mortgage faster.
- Cash-out refinances for renovations or debt consolidation.
- Lower monthly payments to improve cash flow.

The decision to refinance depends on a variety of different factors. Let's talk through them. Contact me to chat.

10/08/2026

With higher mortgage rates and shifting consumer priorities, home improvement activity is changing, creating new opportunities for both clients and industry professionals. As major retailers focus on essential repairs and professional services, clients may be weighing renovation versus purchase options.

How are you helping clients navigate these choices in today’s market?

“Frozen housing market conditions” is how a Home Depot executive described the landscape as the retailer released its second-quarter numbers this week, a re...

10/06/2026

Debt can be a lifelong burden, but its impact can severely increase in retirement.

Explore the pitfalls of entering retirement in debt and learn actionable steps to mitigate the risk in this article: https://bit.ly/47zjpjw

10/02/2026

5.0 star review received on Experience.com for Michele Schambough by Nicholas J S - Michele was fantastic throughout the entire process and made everything so easy. Her attention to detail and willingness to go above and beyond truly set her apart.

Click to see all 133 reviews of Michele Schambough, Mortgage Loan Officer

Address

200 West Congress Street
Lafayette, LA
70501

Telephone

+13375214181

Website

http://www.firsthorizon.com/michele-schambough/

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