Liz Blum: First Horizon Mortgage NMLS #419405

10/27/2026

Waiting for rates to drop? Unfortunately, future rate changes are impossible to predict. Purchasing the right home at a rate you can comfortably afford beats the perfect rate on the wrong home.

If you're uncertain about your next step, connect with a First Horizon loan officer. We can discuss your options and help you make a decision that suits your life.

Read more about protecting your purchasing power: https://bit.ly/4yG56Vl

10/20/2026

While maximizing your pre-approval amount for a larger home may align with your overall financial situation, be aware that a bigger home involves higher expenses beyond just the mortgage.

Purchasing below your max approval may offer enhanced financial peace and flexibility for savings, lifestyle, and unexpected expenses.

Learn more: https://bit.ly/489cFZO

Send me a message for more guidance on your homebuying journey.

10/15/2026

Many clients underestimate the impact long-term care expenses can have on their retirement savings, often missing this key aspect in their planning. With healthcare costs rising and longer life expectancies, addressing this gap is becoming more important than ever.

How are you preparing for unexpected long-term care needs in your retirement strategy?

A new ACLI survey finds most middle-class Americans plan to rely on Medicare for long-term care, but that’s not covered!

10/13/2026

Mortgage rates might be higher than the historic lows of 2020–2021, but here's why homeowners are still refinancing:
- Shorter loan terms to pay off the mortgage faster.
- Cash-out refinances for renovations or debt consolidation.
- Lower monthly payments to improve cash flow.

The decision to refinance depends on a variety of different factors. Let's talk through them. Contact me to chat.

10/08/2026

With higher mortgage rates and shifting consumer priorities, home improvement activity is changing, creating new opportunities for both clients and industry professionals. As major retailers focus on essential repairs and professional services, clients may be weighing renovation versus purchase options.

How are you helping clients navigate these choices in today’s market?

“Frozen housing market conditions” is how a Home Depot executive described the landscape as the retailer released its second-quarter numbers this week, a re...

10/06/2026

Debt can be a lifelong burden, but its impact can severely increase in retirement.

Explore the pitfalls of entering retirement in debt and learn actionable steps to mitigate the risk in this article: https://bit.ly/4dpXYVw

10/01/2026

Mortgage rates have climbed to their highest level in over a year, making it more important than ever for our clients to stay informed and plan ahead. Shifts like these can impact everything from monthly payments to overall home-buying budgets.

How are rising rates influencing your plans or questions about home financing?

The average rate on a 30-year fixed mortgage rose this week to 6.71%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.66%.

09/30/2026

5.0 star review received on Experience.com for Liz Blum by Nicholas P L - Great work, thanks for everything!

Click to see all 71 reviews of Liz Blum, Mortgage Loan Officer

09/29/2026

Trying to calculate an affordable monthly mortgage? Start with the 28% rule. This guideline suggests keeping your total housing payment at or below 28% of your gross monthly income.

Take a closer look at how this monthly payment might break down: https://bit.ly/4AGrUqn

09/24/2026

As one spouse retires before the other, it's easy for couples to overlook important expenses in their financial planning. From updated healthcare needs to shifts in day-to-day budgets, these changes can have a significant impact on retirement security.

How are you preparing your household finances for the transition to single-income living?

When one spouse retires first, these 7 retirement expenses can change dramatically and may require couples to rethink their household budget.