Team Feraco

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NMLS #1921390 GRML #69287
www.nmlsconsumeraccess.org
"Equal Housing Lender"

Licensing:
NorthStar Mortgage Advisors is a division of Canopy Mortgage, LLC NMLS ID 1359687
NMLS #1921390 GRML #69287
"Equal Housing Lender"
Corporate NMLS #1359687
www.nmlsconsumeraccess.org

10/22/2026

A super common myth you might hear is that you will get the same mortgage rate wherever you go.

This is a myth.

While national economic factors establish a "baseline" for the market, individual lenders and independent brokers actively set their own pricing compared to big banks.

10/19/2026

The average American has some sort of debt.

Before starting the homebuying process, it’s a smart move to pay down existing debts.

Lowering what you owe each month helps you secure better financing rates and keeps extra cash in your bank account for homeownership costs.

10/15/2026

Instagram- Homebuying Education

Pre-Qualified Vs. Preapproved

Getting pre-qualified generally involves an informal overview of your finances, whereas securing a pre-approval means providing full financial documentation for a thorough review.

10/12/2026

Here are some of the best tips for building a higher credit score.

If you don’t already have a credit card. Opening a starter account is the first place to start building a credit.

Make sure to never miss a payment. Staying on track with your monthly payments is one of the BEST ways to keep your credit score growing.

Research shows that staying under/around 30% of your credit limit is best.

Monitor your credit score often. Luckily, there are many free options for checking your score.

While having a high credit score is not needed for buying a house, it’s always important to grow your credit score.

10/10/2026

You might be worried that your credit score isn’t high enough to purchase a house. But that is exactly what a FHA loan is for!

The FHA loan was created during the great depression to help lower income/middle class families that haven’t built up a lot of credit access to buy a house.

The FHA loan is a wonderful option for new homebuyers.

Want to know what loan might work best for you?

Let’s talk about it!

10/05/2026

Do you really need to pay off your mortgage as soon as possible? The short answer, no.

Paying off your mortgage isn’t always what is best for you in the long term. If you have the extra money, investing it or saving up for an emergency fund might be the better option.

Have more questions? Send a DM!

09/26/2026

Down payment, closing costs, monthly payment, property taxes… there’s more to the number than the number on the listing.

The good news?

You don’t have to figure it out alone.

09/22/2026

Fall is for new beginnings. 🍂

And maybe a few new homeowner affirmations while we’re at it.

Consider this your sign to stop saying “maybe someday” and start asking, “what would it take?”

What’s your favorite daily affirmation?

09/19/2026

Ready to start your homebuying journey?

✔️ Steady income.

✔️ You know what you want.

✔️ You’re ready for the responsibilities that come with owning a home.

If that sounds like you, it might be time to have the conversation.

09/15/2026

A note for you:

You don’t need perfect timing.

You need a plan that makes sense for you.

Address

2414 Dallas Highway Building 100 Suite 200
Marietta, GA
30064

Telephone

+17705274819

Website

http://www.mitchferaco.com/, https://www.facebook.com/canopymortgage/, https://canopymortgage.com/state-licenses/, https

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