Billy Stephens at First Heritage Mortgage

Billy Stephens at First Heritage Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Billy Stephens at First Heritage Mortgage, Loan service, 1 Park West Circle, Midlothian, VA.

Billy Stephens | NMLS ID #2302130

First Heritage Mortgage, LLC
Equal Housing Lender
Company NMLS ID #86548 (www.nmlsconsumeraccess.org)
Midlothian Branch NMLS ID #2587989

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follo...
09/02/2026

If you’ve been meaning to give AI a try, remember: you’re just a handful of prompts away from faster marketing and follow-up. 🤖

You don’t have to figure AI out alone — we’ll walk you through it live. A few simple AI prompts can save you hours every week but only if you know how to make tools like ChatGPT and Claude work for you.

That’s why our marketing team is continuing the Marketing Growth Series with a session designed specifically for real estate agents and loan officers, led by Erica Goodwin and Cotton Walsh from First Heritage Mortgage.

Here’s what we’ll cover:
✨ How to make AI sound like you
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

You’ll walk away with practical prompts and a simple game plan you can start using the same day.

Save your spot and join us! Register here 🔗
https://myoc.io/eU76nS0Fe1V/uRDrG

Real estate partners, this is your reminder — if AI has been on your to-do list but you’re still not sure where to begin...
09/01/2026

Real estate partners, this is your reminder — if AI has been on your to-do list but you’re still not sure where to begin, this webinar is for you. 🤖

Our marketing team is back with the next session in the Marketing Growth Series, so you can spend less time trying to “figure out” AI and more time putting it to work to grow your business.

Join Erica Goodwin and Cotton Walsh from the First Heritage Mortgage marketing team to learn:
✨ How to make AI sound like you
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

Spots are limited so don’t miss out! 🔗
https://myoc.io/eU76nS0Fe1V/YlVhT

Real estate partners, if AI is something you’ve been meaning to figure out but don't know where to start, join me for th...
08/27/2026

Real estate partners, if AI is something you’ve been meaning to figure out but don't know where to start, join me for this webinar! 🤖

Our marketing team is continuing their Marketing Growth Series so you can spend less time figuring out AI and more time using it to grow your business.

Join Erica Goodwin and Cotton Walsh from the FHM marketing team to learn:
✨ How to make AI sound like *you*
✨ How to build your own AI content assistant
✨ How to use AI as your marketing “advisory panel”
✨ Plug-and-play prompts to save hours each week
✨ A live walkthrough of ChatGPT + Claude

Save your spot and join us! Register here:
https://myoc.io/eU76nS0Fe1V/c8DYy

Could right now be the best time to downsize your home? 🏡If you're always cleaning empty bedrooms, putting off yard work...
08/23/2026

Could right now be the best time to downsize your home? 🏡

If you're always cleaning empty bedrooms, putting off yard work, or wondering where your monthly housing costs are going, your home may no longer fit the life you're living today.

Downsizing isn't about giving up space—it's about making the most of what you've built. For many homeowners, downsizing can mean:
✨ Unlocking valuable home equity
✨ Lowering monthly housing expenses
✨ Reducing maintenance and upkeep
✨ Moving into a home that better fits your current lifestyle

Read our latest blog to learn why now may be the best time to downsize your home and the key factors to consider before making your next move. 🔗
https://myoc.io/eU76nS0Fe1V/cww7Z

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀PMI (private mortgage insurance) is what l...
08/21/2026

Do you want to say goodbye to PMI and hello to extra savings in your budget? 👀

PMI (private mortgage insurance) is what lets many buyers get into a home with less than 20% down — but that doesn’t mean you have to keep paying it forever. Depending on your loan and how much equity you’ve built, there may be a point where you can drop PMI and lower your monthly payment. 🏡🏡

👉🏼 In our latest guide, we break down what PMI actually is and the different ways you can get rid of it once you qualify. Tap the link to see if you’re closer than you think to getting rid of your PMI. 🔗
https://myoc.io/eU76nS0Fe1V/8qY87

Think of PMI like training wheels on a bike. It's helpful at first, but eventually it's time to take them off. 🚲Many hom...
08/16/2026

Think of PMI like training wheels on a bike. It's helpful at first, but eventually it's time to take them off. 🚲

Many homeowners don’t realize they can remove PMI once they hit around 20% equity in their home. Dropping PMI can lower your monthly payment and put real savings back in your pocket. If you’ve been paying on your mortgage for a few years or your home value has increased, you might be closer than you think. 🏡✨

Check out our blog to see if you're ready to kick PMI to the curb and start saving. 🔗
https://myoc.io/eU76nS0Fe1V/9J8gd

If you’ve been watching mortgage rates lately, you’ve probably noticed they move with the news. It's not a coincidence. ...
08/14/2026

If you’ve been watching mortgage rates lately, you’ve probably noticed they move with the news. It's not a coincidence. 🧐 Global events can move mortgage rates within days, sometimes even hours. 🌎

We wrote a blog that breaks down why that happens, what history can teach us, and what you can do to stay ahead of it. Check it out! 🔗
https://myoc.io/eU76nS0Fe1V/YNAYt

Are you wondering if there is anything actually changing for everyday homebuyers in today's housing market? This new hou...
08/12/2026

Are you wondering if there is anything actually changing for everyday homebuyers in today's housing market? This new housing law might be the shift you’ve been waiting for. 🙌

👉🏼 The 21st Century ROAD to Housing Act is now law, and it’s designed to make it easier to buy a home, especially for everyday buyers. It introduces a new pilot program to make small mortgages (under $100,000) more accessible and puts fresh limits on the biggest corporate investors buying up single-family homes, so regular buyers have a fairer shot.

Check out our blog to see what this law could mean for your home search. 🔗
https://myoc.io/eU76nS0Fe1V/BAW5G

I want to give a HUGE congrats to my Cuz, Katy Ray, on the closing of her new home yesterday!! 🎉🏡💪😎I've known Katy her e...
08/11/2026

I want to give a HUGE congrats to my Cuz, Katy Ray, on the closing of her new home yesterday!! 🎉🏡💪😎

I've known Katy her entire life and it's a damn good feeling to be able to help her buy this house!! Thank you again for trusting me to be your LENDER! 🙌 💰

I'd also like to thank Kristin Murphy, Real Broker LLC for being the awesome realtor that you are and for all of your help along the way with the real estate end of things! It was a TEAM effort for sure!💪😎

If you are looking to purchase a new home, need to refinance, or want to get started on a construction perm loan, let's chat!🏡😁

www.BorrowWithBilly.com

"Don't be silly...BORROW WITH BILLY!!"

~Building lasting relationships one loan at a time~

Address

1 Park West Circle
Midlothian, VA
23114

Website

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