Colleen D. Murphy, Nmls#285734

01/12/2026

Buying a home in 2026? Don’t let outdated advice hold you back. Here are 5 myths to ditch:

✔️ Lowest rate isn’t always the best deal—look at APR for the full cost.
✔️ Need 20% down? Nope! FHA, VA, USDA, and conventional loans offer low-down options.
✔️ Timing the market rarely works—focus on financial readiness.
✔️ Renting isn’t always cheaper. Homeownership builds long-term wealth.
✔️ Perfect credit required? Many programs help buyers with less-than-perfect scores.

Bottom line: Focus on facts, not myths. Ready to explore your options? Let’s connect.

01/07/2026

Confidence doesn’t come from timing the market. It comes from understanding your options.

Most people don’t need more information.
They need clarity.

They don’t want to be talked into a decision.
They want to feel steady about one.

If you’re thinking about buying a home, the real question usually isn’t
“Is now the right time?”

It’s
“Do I feel confident knowing I’ve thought this through properly?”

My role isn’t to rush you.
It’s to help you slow down enough to see your options clearly —
so whatever you decide actually feels right.

If you’re still in the thinking phase, that’s okay.
That’s often the smartest place to start.

If you want to talk it through — no urgency, no sales pitch — I’m here.

D. Murphy, Nmls #285734

01/06/2026

✨ Obsessed! My old keyboard broke so I ordered this on on Amazon and she is soooo pretty!!! 🤩 💕✨

See comments for 🔗 👇🏼

01/06/2026

01/05/2026

Dry January is all about fresh starts—why not make your homeownership goals part of that? Sip on these delicious mocktails while we map out your path to a new home. Ready to begin? Reach out today!

12/31/2025

2026 is not the year for waiting.
It’s the year for OWNING.

If you’ve been telling yourself “maybe next year”…
this is that year.

You don’t need perfect timing.
You need the right plan.

🏡✨

12/30/2025

🎵 “Buy dirt.”
Because they’re not making any more of it.

Owning a home isn’t just about four walls and a roof —
it’s about putting roots in the ground, building stability, and creating something that lasts beyond you. 🌱🏡

If 2026 feels like the year you stop waiting and start buying your own dirt, let’s talk.
Getting pre-approved is simply the first step — clarity, confidence, and a real plan. 💬✨

No pressure.
No hype.
Just a smart conversation about how homeownership can help you build long-term, generational wealth. 🤍

📞 Call or DM me and let’s see what’s possible.

🌾🏠

12/23/2025

Merry Christmas and Happy Holidays from my family to yours! Wishing you a season filled with joy, peace, and special moments with the ones you love. I look forward to serving you in the New Year!

12/21/2025

✨ A quiet wish in a busy season 🎄

Calm decisions.
Clear options.
No pressure.

Because when something feels right,
it usually is.

🏡 If that resonates, I’m always nearby ✨

12/21/2025

✨ A quiet wish in a busy season 🎄

Calm decisions.
Clear options.
No pressure.

Because when something feels right,
it usually is.

🏡 If that resonates, I’m always nearby ✨








Colleen D. Murphy, Nmls #285734
TowneBank Mortgage