The Mortgage Mermaid, Albany Busch, NMLS 1071998

10/20/2026

🌊 BIG PLANS. FINANCING ROADBLOCKS? LET’S TAKE A SECOND LOOK.

🏡 Been told your debt-to-income ratio is too high?
🏡 Need to sell before you can buy?
🏡 Have equity in other properties but don’t want to touch that low mortgage rate?

Your next move deserves a closer look. My team and I at Climate First Bank can review your financial picture and explore whether our portfolio lending options could be a good fit—including for jumbo purchases.

📲 Call or message me to talk through your scenario!

Your guide through every tide. 🧜‍♀️

Albany Byrum | The Mortgage Mermaid
VP, Mortgage Loan Officer
Climate First Bank | NMLS 1071998
📞 252.489.6354

All loans subject to credit approval, underwriting and program requirements. Not all borrowers will qualify. Equal Housing Lender.

10/14/2026

Did you know that Climate First Bank offers an interest bearing checking account that is 42xs HIGHER than the National average interest bearing checking account? Plus, we will donate $100 to a non-profit. That is banking with a purpose!

Other banks don’t prioritize performance plus purpose. But at Climate First, we do.

With us, you can earn a competitive 3.26% annual percentage yield on your everyday balance while supporting a partner nonprofit that reflects your values.

Bank with purpose.
https://bit.ly/4qOhTTt

Terms apply.

10/09/2026

🏡 WANT TO BUY YOUR NEXT HOME BUT AFRAID TO SELL YOUR CURRENT ONE? 🏡

💰 Sitting on significant home equity but don’t want the hassle of a HELOC or bridge loan?

🌴 Climate First Bank has a FANTASTIC portfolio mortgage program designed for homeowners just like you!

✨ Here’s why it’s a game changer:

🏠 BUY BEFORE YOU SELL! Use your current home’s equity as additional collateral to help purchase your next home.

💵 NO SEPARATE LOAN! No need to take out an additional HELOC or bridge loan.

🔑 SELL WHEN YOU’RE READY! Once your existing home sells, apply the proceeds toward your new mortgage.

🎉 RECAST AT NO ADDITIONAL COST! Recast your new mortgage after applying the proceeds, potentially lowering your monthly payment without refinancing!

Don’t let the fear of selling hold you back from finding your dream home! 🌊

📲 Let’s talk about your options TODAY!

Albany Byrum | NMLS #1071998
VP, Mortgage Loan Officer
Climate First Bank
📞 252.489.6354
📧 [email protected]

🏡 Equal Housing Lender

Program eligibility, collateral requirements, and recast terms apply. Contact me for details.

09/24/2026

I’m happy to share that I’m starting a new position as Vice President of Mortgage Lending at Climate First Bank! Check out some of our great programs including our Physician Loan Program that is 100% Financing, NO PMI, and up to $4MM. Call or text me as always at (252) 489-6354!

07/17/2026

✨ Sometimes inspiration is waiting in the most unexpected places.

The other day, my oldest daughter and I were treasure hunting through Goodwill when something caught my eye. Tucked away on a shelf was a little wishing pot labeled “New Home Fund”.

It made me stop for a moment.

Goals are powerful, but sometimes they need a tangible reminder. A vision board. A photo. A wishing pot. Something that keeps your dream in front of you until one day it becomes your reality.

If homeownership has been sitting on your “someday” list, maybe this is your sign.

Don’t let headlines or social media convince you that it’s the wrong time to buy. Every market creates opportunities, and right now the tide is beginning to shift in favor of buyers. 🌊🏡

At SouthState Bank, we offer a variety of mortgage options, including:
🏠 Little to no down payment programs
🏠 No PMI loan programs available in VA, NC, SC, GA, FL, TN, TX, CO, and AL
🏠 Personalized guidance from application to closing

Whether you’re buying your very first home or your next one, I’d love to help turn your wish into an address.

📱 Call or text: 252-489-6354
🌐 Visit: www.SouthStateBank.com/AlbanyBusch

Your future home may be closer than you think. Sometimes all it takes is believing in the possibility… and taking that first step. 💙

Licensed in all 50 states.

04/03/2026

Mortgage underwriting is the final review before your loan receives full approval. An underwriter will review your income, assets, credit, and the property appraisal. You may receive conditions, which simply means more documentation is needed to finalize approval. The fastest way through underwriting is to submit complete documents, respond quickly, and avoid moving large sums of money without discussing it first. However, most delays happen from missing paperwork.

https://www.southstatebank.com/AlbanyBusch

04/01/2026

The right loan is not a gimmick. It is built around real numbers and real goals. This April Fools' Day, skip the myths.

https://www.southstatebank.com/AlbanyBusch

03/30/2026

It's easy to fixate on the interest rate. But your rate is only one piece of the equation. Your full payment depends on:
- Loan term
- Down payment
- Mortgage insurance
- Property taxes
- Homeowners insurance
- Closing costs
- And more...
A slightly higher rate with strong loan structure can outperform a lower rate with weak terms and customer service. So, before you compare lenders based on one number, review the entire breakdown.

https://www.southstatebank.com/AlbanyBusch

03/27/2026

With one payment every month and one lease every year, renting can feel simple. But there's a tradeoff. Your payment each month doesn't build equity, your rent can increase with each passing year, and you have limited control over the property.
But, when you own your home, that shifts the equation.
A fixed-rate option can create payment stability and your monthly payment build equity over time. Plus, you control improvements and long-term value.
Homeownership isn't for everyone, because it requires planning and commitment. But for many, it becomes the foundation for financial security.
If you're renting right now, have you compared your current rent to what ownership might look like?

https://www.southstatebank.com/AlbanyBusch

03/25/2026

In 2025, $348 million was invested to support economic development and affordable housing initiatives in the communities we serve.
This reflects more than just transactions, it reflects investment in workforce housing, community redevelopment, local economic growth, and long-term neighborhood stability.
This means access to housing opportunities supported by structured community investment and working with a lender engaged in broader community growth.

https://www.southstatebank.com/AlbanyBusch