1st Class Mortgage Group, LLC

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Louisville, KY
1st Class Mortgage Group, LLC

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Mortgage Broker serving Kentucky, Indiana, Georgia, Florida, Virginia, Colorado, Tennessee & North Carolina. NMLS's 1789100/1580128.

NMLS Consumer Access: www.nmlsconsumeraccess.org

10/16/2026

Did you know your mortgage broker has homework too? 📚🏠

Today is National Mortgage Continuing Education Day — and yes, that's a real thing.

David is required to take continuing education courses every year to stay current on laws, regulations, and market changes. So when you work with 1st Class Mortgage Group, you're not getting a 'set it and forget it' broker — you're getting someone who's always sharpening their skills.

Today he's hitting the books so you don't have to worry about a thing.

Drop a 🎓 if you appreciate a broker who takes the job seriously!

10/15/2026

It's pumpkin patch season, Louisville! 🎃

Here's my go-to list. But I know I'm missing some — drop YOUR favorite in the comments.

10/14/2026

Before you even LOOK at homes, know your 3 numbers. 🧮

1) What monthly payment are you comfortable with?
2) What cash do you have for down payment + closing costs?
3) Where's your credit at?

These three decide everything.
DM me 'NUMBERS' and I'll help you find yours.

10/12/2026

Q&A Session: ❓
Got mortgage-related questions? I'm here to provide answers!

Join me for a Q&A session where you can ask me anything about the mortgage process, rates, and more.

10/08/2026

💬 We love hearing from our clients!

A quick review takes less than 2 minutes and means the world to our team.

If you've worked with us, we'd truly appreciate your feedback — it helps us keep serving Louisville homeowners with the care they deserve. 🙏

10/07/2026

ARM or Fixed — which one's actually right for YOU? 🤔

An ARM starts lower but can adjust later.
A fixed rate stays the same forever — predictable, stable.

There's no universal right answer — it depends on how long you'll stay in the home.

Want to see the full breakdown?
DM me 'ARM' and let's run YOUR numbers.

10/05/2026

2026 could be the year of recovery — or rebalancing. 📈

Market analysts project this as a critical year for homebuyers, following high inflation, shifting interest rates, and a market still finding its footing.

Here's what that means for YOU: buying power shifts, headlines get loud, but the buyers who win are the ones with a plan. Know your numbers. Get pre-approved. Move with purpose. No doom, no gloom — just the strategy.

DM me 'STRATEGY' and let's build yours.

10/02/2026

Happy National Mortgage Insurance Day!

🏠💼 Today we're reframing PMI: it's not a penalty — it's a shortcut. PMI lets you buy with a smaller down payment and comes OFF once you hit 20% equity. Used right, it gets you into a home years sooner.

Ask me anything about PMI below 👇

10/01/2026

New month, new market, new opportunities.

📅 October is historically one of the strongest stretches of the year for buyers — less competition, more motivated sellers. If you've been 'thinking about it' all year, this is the month to get serious.

Swipe for why October hits different. DM me 'OCTOBER' and let's talk.

09/30/2026

🏠 MORTGAGE TERM OF THE WEEK: GIFT OF EQUITY

Here's a mortgage term you may not hear every day:
Gift of Equity.

So what does it mean?
A gift of equity can occur when an eligible family member sells a home to a buyer for less than the home's appraised value, with the difference potentially being treated as a gift of equity.

For example:
🏡 Home's appraised value: $300,000
🏷️ Family member sells it for: $275,000
💰 The $25,000 difference may potentially be considered a gift of equity, subject to the applicable loan program and requirements.

This can sometimes be helpful when a family member is selling a home to another family member — but there are specific rules, eligibility requirements, and documentation involved.

So if you're considering a family home sale, don't assume you have to figure it out on your own. Talk with a mortgage professional early in the process to understand what may be possible for your situation.

Have you heard of a “gift of equity” before?

Address

9920 Corporate Campus Drive Suite 2600
Louisville, KY
40223

Website

http://www.1stclassmtg.com/

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