Amanda Gates - Bless It Mortgage Talk

10/22/2026

Agents: If you are listing a townhome or condo, be prepared to send the HOA contact information to the buyers lender. If you want to take an extra step for a smoother transaction, get with your prefer lender (or contact me 😉) to get a copy of the condo questionnaire completed.

10/21/2026

10/18/2026

Weekend of Cheerleading, Birthday, & Football

10/01/2026

One of my favorite homes is for sale in Boston, GA. Small time feel but close enough to Valdosta, GA and Tallahassee, FL.

10/01/2026

Going through a divorce is never easy, and there are so many financial decisions that come along. One question I often hear is:
“What happens to the home if one person if keeping the house?”
In many situations, the spouse, keeping the residence may be able to refinance the mortgage and remove the other spouse from the loan, while also working toward having the home solely in their name.
Every situation is different, and the ability to refinance will depend on factors such as income, credit, equity, the existing mortgage, and the terms of the divorce agreement.
If you or someone you know is navigating this transition, please know you do not have to figure out the mortgage piece alone. I can help explain the options, review the numbers, and help you understand what may be possible.
🏡Sometimes a new chapter starts with making sure your home and mortgage are structured for the next chapter of your life.
If you have any questions, give me a call or send me a message. I’m always happy to be a resource- no pressure, just answers.
📲 229-421-5500
📧 [email protected]

09/29/2026

If a home is being promoted as having an Assumable Mortgage, make sure as a buyers agent or a buyer you are doing your due diligence prior to going under contract.
-What terms and conditions does the loan have?
-What is the balance of the loan versus what the home is selling for?
- Do you have funds for the difference of what will be due if you assume the loan?
-Ask the lender of the current mortgage, how long does this process take to assume the loan.

Ask BEFORE you COMMIT!

09/14/2026

Planning to build on family land and get a construction to perm loan? If you are being gift land, get with a title company FIRST to confirm the land has NO mineral rights attached to it! You do not want to spend money for a survey, transfer of title, etc if you cannot get a clear Form 9.

09/02/2026

There’s nothing more rewarding than coming together to make a meaningful difference in the community we serve.

The First Federal team is proud to support the Stuff the Bus initiative, helping provide local students and educators with the supplies they need for a successful school year.
We’re grateful for the opportunity to come together, give back, and support the students and teachers who make our community stronger.
Here’s to a great school year ahead!

(left to right) Rob Hughes, Lacrecia Barber, Gigi Register, Amanda Gates, Amanda Jackson, and Renee Williams

08/31/2026

Thank you to everyone who joined us for our August Business After Hours hosted by First Federal Bank ! 🎉

It was a great evening of networking, conversation, and connecting with fellow business professionals and community members. Thank you to everyone who stopped by and helped make the evening a success!

A special thank you to the team at First Federal Bank for hosting this month’s event. For more than 60 years, First Federal has served communities across North and Central Florida and Coastal South Carolina, offering personal and business banking, commercial and residential lending, and other financial services.

We appreciate First Federal’s continued commitment to supporting the communities they serve and investing in our region! 🏦

👤 Check out their member profile here: https://bit.ly/3PAz0tS