Penny James, Mortgage Loan Officer, First Home Equity Loans

Penny James, Mortgage Loan Officer, First Home Equity Loans Mortgage Loan Officer with First Home Equity Loans. Licensed in Florida. NMLS # 332892.

Discover how jumbo loans can be a smart choice for financing your dream home. Learn when these larger loans are the righ...
06/17/2026

Discover how jumbo loans can be a smart choice for financing your dream home. Learn when these larger loans are the right fit for your financial needs.

Discover how jumbo loans can be a smart choice for financing your dream home. Learn when these larger loans are the right fit for your financial needs.

Learn how mortgage pre-approval works, why it matters, and how to get approved so you can confidently start your home se...
06/15/2026

Learn how mortgage pre-approval works, why it matters, and how to get approved so you can confidently start your home search.

Learn how mortgage pre-approval works, why it matters, and how to get approved so you can confidently start your home search.

Can you make an offer on a pending home? Learn what pending means, why deals fall through, and how to submit a backup of...
06/12/2026

Can you make an offer on a pending home? Learn what pending means, why deals fall through, and how to submit a backup offer in today’s housing market.

Can you make an offer on a pending home? Learn what pending means, why deals fall through, and how to submit a backup offer in today’s housing market.

Understand how adjustable-rate mortgages (ARMs) work, including fixed periods, rate adjustments, indexes, and smart stra...
06/10/2026

Understand how adjustable-rate mortgages (ARMs) work, including fixed periods, rate adjustments, indexes, and smart strategies to manage changing payments.

Understand how adjustable-rate mortgages (ARMs) work, including fixed periods, rate adjustments, indexes, and smart strategies to manage changing payments.

Learn how to use a VA loan calculator to estimate payments, plan your budget, and buy a home with confidence using your ...
06/08/2026

Learn how to use a VA loan calculator to estimate payments, plan your budget, and buy a home with confidence using your VA benefits.

Learn how to use a VA loan calculator to estimate payments, plan your budget, and buy a home with confidence using your VA benefits.

Discover how to qualify as a first-time homebuyer, including credit score, DTI, income limits, and how to access grants ...
06/05/2026

Discover how to qualify as a first-time homebuyer, including credit score, DTI, income limits, and how to access grants and assistance programs.

Discover how to qualify as a first-time homebuyer, including credit score, DTI, income limits, and how to access grants and assistance programs.

Learn how the Federal Funds Rate impacts mortgage rates, including how rate hikes and cuts influence home affordability ...
06/03/2026

Learn how the Federal Funds Rate impacts mortgage rates, including how rate hikes and cuts influence home affordability and borrowing costs.

Learn how the Federal Funds Rate impacts mortgage rates, including how rate hikes and cuts influence home affordability and borrowing costs.

Learn how debt affects VA loan approval, including DTI ratios, credit scores, and income. Discover strategies veterans c...
06/01/2026

Learn how debt affects VA loan approval, including DTI ratios, credit scores, and income. Discover strategies veterans can use to qualify for a mortgage.

Learn how debt affects VA loan approval, including DTI ratios, credit scores, and income. Discover strategies veterans can use to qualify for a mortgage.

Can you qualify for a mortgage on maternity leave? Learn your rights, how lenders evaluate income, required documents, a...
05/29/2026

Can you qualify for a mortgage on maternity leave? Learn your rights, how lenders evaluate income, required documents, and tips to improve approval chances.

Can you qualify for a mortgage on maternity leave? Learn your rights, how lenders evaluate income, required documents, and tips to improve approval chances.

Explore real estate investing strategies, from active vs passive approaches to residential, commercial, REITs, and more....
05/27/2026

Explore real estate investing strategies, from active vs passive approaches to residential, commercial, REITs, and more. Find the right investment path for you.

Explore real estate investing strategies, from active vs passive approaches to residential, commercial, REITs, and more. Find the right investment path for you.

Address

88 Riberia Street, Suite 150
Saint Augustine, FL
32084

Telephone

+19044660110

Website

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