Lauren Spivey - NMLS ID 2160257 - PNC Mortgage Loan Officer

11/02/2026

Doing a little Sunday scrolling of home listings? Here's something many buyers don't realize:

A home under contract doesn't always mean you've missed your chance.

In some situations, buyers can submit a backup offer and be next in line if the current deal falls through.

Want to discuss strategies for today's market? Give me a call! 859-967-9979

If you're shopping for a home, you'll likely encounter the terms "contingent" and "pending." Find out what they mean and how they impact your buying journey.

10/30/2026

Good news for homeowners.

The limited-time introductory rate offer for eligible new HELOCs has been extended through November 30, 2026.

If you meant to explore your options but haven't had the chance, there's still time to see how a home equity line of credit could help support your financial goals. Message me!

Learn more: pnc.com/homelendingoffers

10/30/2026

👻 Trick: Remembering to change your clocks.

🎃 Treat: An extra hour of sleep.

Don't forget to turn your clocks back before bed Saturday night. Happy Halloween weekend!

10/29/2026

Preapproval vs. prequalification... do you know the difference?

It's one of the most common questions I hear from prospective homebuyers. Understanding these two steps can help you prepare for your home search and avoid surprises along the way.

This quick read does a great job explaining the difference:

Have questions about buying a home or what you may qualify for? Reach out anytime. I'm here to help.

pncmortgage.com/LaurenSpivey

Understanding preapproval vs prequalification is essential for first-time homebuyers. Explore how these mortgage steps impact your buying power and decisions.

10/27/2026

Nobody can predict the unexpected, but you can prepare for it.

A roof repair. A furnace replacement. An unexpected life event.

Many homeowners establish a HELOC before they need one, giving them access to funds that can help provide flexibility when the unexpected happens.

With our current introductory rate offer available for eligible new HELOCs, now may be a great time to explore whether a HELOC fits into your financial game plan. Call me! 859-967-9979

Learn more: pnc.com/homelendingoffers

10/25/2026

Curious, what’s the biggest thing that’s stopped you from talking to someone about home lending?
• Rates
• Not knowing where you stand
• Timing
• Or just not wanting a sales conversation

Most of the conversations I have aren’t about decisions, they’re about understanding options. That’s what I’m here for if you ever need it. 859-967-9979

10/23/2026

Helping homeowners tap into their equity quickly and efficiently is what I love to do. If you've been considering a home equity line of credit, I'd be happy to discuss whether it's the right fit for your goals.

📩 Reach out anytime! 859-967-9979 OR [email protected] OR come see me at the branch 😉

“Certain restrictions apply. Closing time depends on borrower responsiveness, property eligibility, appraisal requirements, title review, and underwriting conditions. This is an example, not a guarantee. Actual closing times may vary.”

10/23/2026

Best news to receive on a Friday.... my clients offer was accepted!! Don't let the news scare you, people are still buying! Maybe its the right time for you too 😉

Send a message to learn more

10/23/2026

🤔 If an extra property could generate income, would you consider becoming a landlord?

It's not for everyone, but for some people it can be part of a broader wealth-building strategy.

I'd love to hear your thoughts. Is rental property ownership something you've considered?

Discover how to buy a rental property with our comprehensive guide. Learn about investment goals, financing options, and legal tips to make informed choices.

10/22/2026

One of the biggest reminders I tell everyone during the mortgage process, is DON'T make any major purchases until after closing.

For example, a new car could change your credit score or debt ratios.

Remember, I'm here to guide you every step of the way, so DO reach out with questions! 859-967-9979

Applying for a mortgage may seem overwhelming, but there are ways to simplify the process. Follow these mortgage dos and don'ts from the experts at PNC.