Coast2Coast Mortgage Debbie Frazier

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Saint Augustine, FL
Coast2Coast Mortgage Debbie Frazier

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I have been helping families get into homes since 1982. Let me help your family as well. NMLS #338287

10/30/2026

🌴 LOCAL BUSINESS SPOTLIGHT: FUN RENTALS ST. AUGUSTINE! 🚲

Looking for a fun way to explore the historic streets and beautiful waterfront of St. Augustine? Fun Rentals has something for your next adventure!

From scenic Segway tours and relaxing bicycle rides to VIP street kart tours, there's a fun way for everyone to discover the city. ☀️

📍 125 King Street Ste B, St. Augustine, FL 32084

🚲 Segway Tours – From $75
🚲 Bicycle Tours – From $25 per bike/day
🚗 VIP Street Kart Tours – From $75 per person

🕒 Open Monday–Sunday | 9 AM–5 PM
📞 (904) 547-2074

💙 Shop local, explore local, and support the businesses that make our communities special!

10/29/2026

DID YOU SERVE IN THE MILITARY? YOU COULD BE LEAVING THOUSANDS ON THE TABLE!

Your military service may unlock valuable homebuying benefits. If you're an eligible veteran or service member, a VA home loan could help you purchase a home with less upfront cost.

🏡 4 VA LOAN BENEFITS TO KNOW

✅ Potentially $0 Down
Eligible borrowers may be able to buy a home without a down payment.

✅ No Monthly PMI
VA loans generally don't require monthly private mortgage insurance.

✅ Competitive Interest Rates
VA loan rates may be competitive compared with other loan options.

✅ Flexible Credit Guidelines
VA loans have no universal VA-mandated minimum credit score, though lenders may set their own requirements.

🎖️ YOUR SERVICE MAY OPEN THE DOOR TO HOMEOWNERSHIP.

Don't leave your benefits unexplored! Let's discuss your eligibility and see whether a VA loan could fit your homebuying goals.

💬 COMMENT “VA” TO REQUEST YOUR VETERAN HOMEbuyer CHECKLIST!

📞 Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📱 (352) 535-7661
📧 [email protected]

Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

VA loan eligibility, lender requirements, funding fees, and loan terms vary. A VA funding fee may apply, although some borrowers are exempt. Zero down is subject to eligibility and lender approval.

10/28/2026

🎃👻 THE REAL ESTATE HORROR STORY: THE BUYER WHO WAITED TOO LONG! 🏚️

😱 THE SCARIEST THING THIS HALLOWEEN?
Finding your dream home… only to realize you're not financially prepared to make a move!

🕸️ Don't let these mortgage nightmares haunt you:

🎃 THE DOWN PAYMENT MONSTER
Think you need 20% down? Some loan programs offer lower down payment options for eligible buyers.

👻 THE CREDIT SCORE GHOST
Worried your credit isn't perfect? Let's explore what options may be available for your situation.

🦇 THE LAST-MINUTE PAPERWORK NIGHTMARE
Waiting until the last minute to organize your financial documents can make the process more stressful.

🏡 DON'T LET FEAR HAUNT YOUR HOMEOWNERSHIP DREAMS!

The right preparation can help you approach your home search with more confidence. Let's talk about your goals and explore your mortgage options before the spooky surprises begin!

📞 Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📱 (352) 535-7661
📧 [email protected]

Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

10/27/2026

🤝 REALTORS: THE RIGHT LENDING PARTNER CAN MAKE A DIFFERENCE!

A successful home purchase takes teamwork. When realtors and mortgage professionals communicate, collaborate, and stay proactive, they can help create a smoother experience for homebuyers.

🏡 3 WAYS TO STRENGTHEN YOUR CLIENT EXPERIENCE

🔹 Start with a Financing Conversation
Encourage buyers to explore their mortgage options early so they can better understand their budget and prepare for the home search.

🔹 Keep Communication Open
Regular updates between the realtor, lender, and buyer can help everyone stay informed about milestones, documents, and next steps.

🔹 Be Proactive, Not Reactive
Address questions early, set realistic expectations, and work together to help clients navigate potential challenges throughout the process.

💙 LET'S MAKE HOMEOWNERSHIP A TEAM EFFORT!

Realtors, your clients deserve a lending partner who values communication, responsiveness, and collaboration. I'm here to support you and your buyers from pre-approval through closing.

Let's connect and build a partnership focused on helping more families achieve their homeownership goals!

📞 Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📱 (352) 535-7661
📧 [email protected]

Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

10/26/2026

🏡 HOME AFFORDABILITY: IS BUYING A HOME STILL POSSIBLE?

📊 THE NUMBERS TELL AN IMPORTANT STORY.

According to ATTOM’s Q3 2026 housing affordability report, the annual income needed to afford a median-priced home reached $90,191—about $10,657 more than the average annual wage of $79,534.

And here’s what may surprise you: even with a 20% down payment, estimated homeownership costs consumed 31.8% of the average worker’s wages.

So, what does this mean for today's homebuyers?

💡 3 THINGS TO KEEP IN MIND

🔹 A 20% Down Payment Isn't Always Required
Some mortgage programs offer lower down payment options for eligible borrowers.

🔹 Affordability Is More Than the Purchase Price
Your monthly payment may include principal, interest, property taxes, homeowners insurance, and other costs.

🔹 The Right Strategy Matters
Your budget, credit profile, available loan programs, and down payment can all affect your homebuying options.

🏠 DON'T ASSUME HOMEOWNERSHIP IS OUT OF REACH.

The housing market presents real challenges, but understanding your options is an important first step. Let's review your goals, discuss your budget, and explore mortgage solutions that may fit your situation.

📞 Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📱 (352) 535-7661
📧 [email protected]

Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

Source: ATTOM, Q3 2026 Housing Affordability Report. Figures reflect national averages and modeled affordability measures; individual circumstances and local market conditions vary.

10/23/2026

HAPPY FRIDAY! 💙

Sometimes, the best part of the week is slowing down, taking a deep breath, and appreciating the little things.

☕ A quiet morning with your favorite coffee.
🌅 Watching a beautiful sunset.
🏡 Spending quality time at home.
❤️ Making memories with the people who matter most.

Life isn't always about the big milestones. Sometimes, happiness is found in the simple moments we get to enjoy every day.

This Friday, let's celebrate the little things that make life feel a little more special. ✨

💬 Your turn! What's one little thing that always makes your day better?

Wishing you a relaxing weekend filled with happiness, gratitude, and beautiful moments!

— Debbie Frazier
Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

10/22/2026

🏡 READY TO MOVE, BUT NOT SURE WHERE TO START?

Whether you're dreaming of a bigger home, downsizing, or relocating to a new area, your next chapter starts with a smart plan. 💙

Before making your move, consider these three important steps:

🔑 Explore Your Financing Options — Understand what may be available for your situation.

💰 Review Your Home Equity — Your current home's equity may play an important role in your moving plans.

📋 Plan Your Next Step — Coordinating your purchase, sale, and closing dates takes preparation.

✨ Your next chapter deserves a smart plan!

Let's discuss your homeownership goals and explore mortgage options that may help you prepare for your next move.

📲 Ready to take the next step? Let's talk!

Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📞 (352) 535-7661
📧 [email protected]

Coast2Coast Mortgage Lending
Local. Trusted. Here for You.

10/21/2026

💼🏡 Being self-employed doesn't mean your dream of homeownership has to wait!

Running your own business comes with plenty of responsibilities, but qualifying for a mortgage may still be possible.

If you're a freelancer, independent contractor, or business owner, here's what to keep in mind:

✔️ Organize your financial documentation.
✔️ Understand how lenders evaluate self-employed income.
✔️ Explore loan programs that match your circumstances.

Your income may look different from a traditional paycheck, but that doesn't mean you shouldn't explore your options. 💙

Thinking about buying a home while running your own business? Let's talk about your goals and the financing options that may be available to you.

📲 Contact Debbie today!

Debbie Frazier
Senior Mortgage Loan Advisor | NMLS #338287
📞 (352) 535-7661
📧 [email protected]

10/20/2026

🏡 Your home isn't just where you live—it may also be an important part of your financial picture.

If you've built equity in your property, cash-out refinancing may be an option worth exploring.

Depending on your circumstances, you may be able to access some of your home's equity to fund renovations, cover eligible major expenses, or support other financial goals.

💙 The key is understanding your options before making a decision.

Let's review your goals, discuss the potential benefits and costs, and determine whether refinancing could be right for you.

📲 Curious about your home's equity? Let's talk!

Debbie Frazier
📞 (352) 535-7661
📧 [email protected]

Address

125 King Street Ste B
Saint Augustine, FL
32084

Telephone

+13525357661

Website

http://www.DebbieFrazier.com/

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