Alec Evans - Mortgage Lender - NMLS# 2615947

09/04/2026

Clink the link in the comments to learn more!🏡

Think you can’t buy a home because you don’t have a large down payment saved?

Some buyers are surprised to learn there are programs* that may help with upfront costs. Depending on eligibility and program availability, options can include:

• Down payment assistance grants
• Forgivable assistance loans
• Gift funds from family
• Seller concessions to reduce closing costs
• First-time homebuyer programs through state housing agencies

For many buyers, upfront cash can be one of the biggest hurdles — even when monthly payments may fit their budget.

Every situation is different, but if you’ve been assuming homeownership is out of reach, it might be worth exploring what options could be available to you.

Learn more at the link in the comments

*Programs subject to eligibility, credit approval, and availability.

09/01/2026

Things I’ll never apologize for as your mortgage banker…

👉 Asking for one more document when I know it helps keep things moving
👉 "Ruining the vibe" with accurate math before you emotionally move into the house
👉 Saying “please don’t buy a car right now” like it’s part of my personality.
👉 Caring less about the max approval number and more about whether you’ll still like the payment in November
👉 Replying “let’s run numbers” to every Zillow link you send me.

I’m not trying to be difficult. I’m trying to make closing day feel easy.

Let's get that process started. DM me for more.

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

08/29/2026

Two homes can look identical online, but on paper they can be completely different decisions.

👉 Same price range
👉 Similar photos
👉 Both look great in the listing.

Then we start looking at the details behind the scenes.

🏡 One might have higher property taxes
🏡 One might qualify for a different loan program
🏡 One might require less cash upfront

Suddenly the comparison isn’t just about the kitchen or the yard anymore. It becomes a much more practical question: Which one actually works better overall? That is the part of the home search most people don’t see until the numbers are laid out next to the listing.

I can help with that!

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

08/27/2026

Think about everything you learned in school. Mortgages weren’t on the syllabus.

That's why most first-time buyers walk into this process knowing they want a house, but not much about DTI (or debt-to-income ratio), loan estimates, what escrow is, or why their rate changes between application and lock.

That’s normal. My job is to translate what each document means, what each number is doing, and what your options look like at every step. You’re not behind for not knowing this already. Almost nobody does.

📩 What questions do you have as a first-time homebuyer?

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

08/14/2026

How Much Home Can You Afford?

Click the link below to learn some helpful tips on how we calculate how much you can afford!

https://www.firstmid.com/articles/how-much-home-can-you-afford-

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

08/10/2026

Ready to conquer your mortgage closing? With the right prep and these expert tips, you’ll save big and keep costs down. Check out the article to close on your new home with confidence! 🏡

https://www.firstmid.com/articles/savings-tips-for-mortgage-closing-costs

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

08/09/2026

07/30/2026

🏡 Buying a home may be more within reach than you think.

One of the biggest misconceptions I hear is that you need a large down payment to buy a home. The truth is, there are programs available that may help qualified buyers with down payment and closing costs.

If you've been thinking about buying a home, now is a great time to explore your options and learn what's available. You may have more opportunities than you realize.

I'm always happy to answer your questions, walk you through the process, and help you understand what may be possible for your situation—without any pressure or obligation.

📩 Send me a message or leave a question in the comments. I'd love to help you take the first step toward homeownership!

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

07/28/2026

‼️🏠 Don't miss out—our promotion for all school district employees is available until 8/31/26!

Alec Evans
Mortgage Loan Officer
NMLS # 2615947
217-440-0345
[email protected]
firstmid.com/staff/alec-evans
Member FDIC| Equal Housing

07/27/2026

Moving involves more than packing boxes. From budgeting for unexpected expenses to updating important accounts, this financial moving checklist will help you prepare for a smoother transition. https://www.firstmid.com/articles/moving-checklist-financial-tips-before-you-move