Integrity Financial Services

06/12/2026

Big financial headlines today 🚀
With SpaceX making its public-market debut, people are talking a lot about investing, portfolios, and long-term growth.

It’s a good reminder:
The strongest financial futures usually start with a plan.

For many families, real estate is still one of the biggest long-term assets they’ll ever own — but before you start scrolling listings or touring homes, it helps to understand the numbers first.

✅ What payment range feels comfortable
✅ What you may qualify for
✅ What loan options could fit your goals
✅ Whether down payment assistance programs may help

You do NOT need to have everything figured out today.

You just need the right strategy and guidance for your next step.

Thinking about buying a home this year?
Comment PLAN or send me a message and I’ll help you understand your options. 🏡

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908

Eligibility and terms vary. Not all borrowers qualify. This is not investment advice.

06/05/2026

🏡 If you’re even thinking about buying this year, don’t start with Zillow. Start with clarity.

The #1 reason buyers feel stressed is because they’re shopping without knowing:
✅ what they actually qualify for
✅ what payment range feels comfortable
✅ what to fix (if anything) before they apply

A quick pre-approval game plan can save you weeks of wasted time and help you move fast when the right home shows up.

👇 Question for you:
What do you want most right now?
A) Lower payment
B) More house
C) First-time buyer plan
D) Down payment help

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
Eligibility and terms vary. Not all borrowers qualify.

05/18/2026

Hey, Renters in St. Pete — quick question for you 👇
What’s holding you back from buying?

A) Down payment
B) Credit
C) Monthly payment
D) Don’t know where to start

You’re not alone — more buyers are getting help than you might think. A recent report shared by Florida Realtors notes that 40% of homeowners received down payment help (up from 35% in 2023), and nearly 80% of Gen Z homeowners said they received down payment assistance.

St. Pete-Clearwater thas a Housing Down Payment Assistance Program for eligible first-time homebuyers purchasing within city limits of St Pete and the City notes it’s provided as a 0% interest, secondary mortgage (with program rules/limits that apply).

Here’s the article (below):

Mark J. Spence | NMLS # 331535
Integrity Financial Services | NMLS # 327908
Program guidelines vary. Not all applicants qualify.

A growing share of younger buyers is relying on family help, gifts and assistance programs to buy homes, highlighting how affordability pressures are reshaping the path to homeownership.

05/17/2026

Renting in St. Petersburg,? This might be your sign. 🏡✨
If you’ve been waiting because saving for a down payment feels impossible, the City of St. Pete has a Purchase Assistance Program that may help eligible buyers get started.

The first step isn’t house shopping — it’s finding out what you qualify for and what programs you may be eligible for.

👇 If you’re currently renting, comment “RENTING” and we’ll tell you the first step to explore options.

Mark J. Spence | NMLS # 331535
Integrity Financial Services | NMLS # 327908
Eligibility and program guidelines vary. Not all applicants qualify.

05/16/2026

Who’s selling homes in today’s market? 🏡

According to the National Association of REALTORS® 2026 Home Buyers and Sellers Generational Trends Report, Baby Boomers account for 55% of all home sellers, followed by Gen X at 23% and Millennials at 16%.

Every generation has a different reason for making a move — whether it’s downsizing, relocating, investing, or finding the right fit for the next season of life.

No matter where you are in the process, having the right lending partner can help make the transition smoother.

Source: National Association of REALTORS®
2026 Home Buyers and Sellers Generational Trends Report

Mark J. Spence | NMLS # 331535
Integrity Financial Services | NMLS # 327908

Tampa Bay 28 - WFTS
City of St. Petersburg, Florida
Visit St. Pete-Clearwater

Baby boomers accounted for more than half of all home sellers according to NAR’s 2026 Home Buyers and Sellers Generational Trends Report. Among all sellers, the most commonly cited reason for selling their home was to move closer to friends and family. Gain additional insights: https://bit.ly/4sGXMG9

05/16/2026

⭐️⭐️⭐️⭐️⭐️
Nothing means more than hearing we made the process feel clear and calm.

Huge congratulations to the Marriott Family on their new home! 🏡🔑
We’re honored to be part of this milestone and truly grateful for your kind words.

Welcome home, Marriott Family — we’re cheering you on as you build memories and put down roots in your new place.

Mark J. Spence | NMLS # 331535
Integrity Financial Services | NMLS # 327908

City of St. Petersburg, Florida
org/residents/grants___loans/purchase_assistance_program

05/16/2026

Today was a GOOD day. 🏡🔑
This family was with another lender who couldn't get it done using the City of St. Petersburg Down Payment Assistance program.
We stayed with it, worked the plan, solved the challenges, and closed in 45 days. ✅

Then this message came in (shared with permission):
"From our very first conversation, you and your team brought clarity and calm to the process… You were proactive, responsive, and solutions-focused… Because of your work, we now have the keys to a place we can truly call home."

Quick facts about the St. Pete DPA program most people don't know:
✔️ Up to $75,000 in down payment + closing cost help for qualified buyers
✔️ 0% interest, deferred — you don't pay it back until you sell or refinance
✔️ Must buy inside St. Pete city limits and meet income guidelines
✔️ Can be combined with FHA, VA, and Conventional loans
✔️ First-time buyer status NOT always required

If you've been told "no" — or you're not sure where to start — let's talk.

Comment "HOME" or message me "DPA" and I'll send you the first step.

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
City of St. Petersburg, Florida

05/13/2026

Home equity = more possibilities 🔑
If you’ve built equity, it may be a tool to help you reach your next goal — whether that’s:
🏠 renovating your home
💳 consolidating debt
🎓 covering education expenses
📈 investing in opportunities

Want to know what options you might have? Let’s run the numbers together.

👇 Comment “EQUITY” or DM “OPTIONS” and we’ll tell you what to send for a quick review.

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
Eligibility and terms vary. Not all borrowers qualify. Loan options depend on credit, income, and guidelines.

05/13/2026

Before you tour homes… get pre-approved ✅
Pre-approval helps you:
• know your real budget
• make stronger offers
• focus only on homes that fit
• avoid surprises later

If you want to be ready when the right home hits the market, let’s get you set up.

👇 Comment “PREAPPROVED” or DM “READY” to get started.

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
Eligibility and terms vary. Not all borrowers qualify.

05/13/2026

Ready for a fresh start? 🌴🏡
Homeownership can be the start of your next chapter — building equity, creating stability, and building a legacy.

If you’re thinking about making a move this year, let’s start with the first step: pre-approval so you know your budget and can shop with confidence.

👇 Comment “START” or DM “FRESH START” and we’ll help you take the next step.

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
Eligibility and terms vary. Not all borrowers qualify.