Jacob Spratt- NMLS# 2032407

12/27/2025

Considering a move to an apartment in Kansas City or a house in St. Louis, MO? These two Missouri cities share a Midwestern charm and rich cultural heritage, but each offers a unique living experience. Kansas City is known for its thriving arts scene and world-class barbecue, while St. Louis offers historic neighborhoods and vibrant sports culture.

Whether you’re drawn to Kansas City’s jazz history or St. Louis’s iconic Gateway Arch, choosing the right city is a big decision. From housing affordability to lifestyle and job opportunities, this article will highlight the key differences to help you determine which city suits you best: https://bit.ly/43KHlPm.

Considering a move to Kansas City or St. Louis? Compare cost, jobs, culture, and lifestyle to decide which Missouri city is the right choice for you.

12/23/2025

Ever wonder what you're worth? Your net worth isn't just a number, it's an inside look of your financial health. It can help you track progress towards your goals, spot debt problems early, and help you make smarter money moves.

Find your net worth now: https://bit.ly/4oXQeNW.

Net worth is assets (everything you own) minus liabilities (all that you owe). Everyone has a net worth number. Use NerdWallet's free calculator to learn yours.

12/21/2025

The popular buy now, pay later loans will soon be incorporated into credit scores. This will help lenders better assess a person's credit profile and will help provide a complete picture of their creditworthiness. Get more details here: https://bit.ly/3LKmoOh.

FICO plans to include "buy now, pay later" histories in credit scores, marking the first time a leading credit score provider will include the data.

12/19/2025

Do you have a spending plan? When you start tracking your income, prioritizing expenses, and setting savings goals, you can start building financial stability. 💸

Ready to create a plan that fits your lifestyle? Here's how to get started: https://bit.ly/3LqBkBa.

Ensure your savings are solid, investigate your money worries and build your spending muscles to develop a sustainable spending plan.

12/17/2025

Your credit score isn’t just a number—it’s a key to unlocking financial opportunities! From getting a mortgage to securing a lower interest rate on a car loan, your score plays a major role in your financial future. The higher your score, the better your chances of qualifying for lower interest rates, better credit card offers, and even rental approvals.

So, what factors affect your score? On-time payments, credit utilization, and responsible credit management all play a role. 🔍 Want to understand how your credit score stacks up and what you can do to improve it?

Read the full article to learn more: https://bit.ly/4oXBj6d.

Credit scores fall in one of the credit score ranges that determine if your credit is excellent, good, fair or poor. Find out where your score falls, learn how lenders interpret it and take steps to improve your credit.

12/15/2025

Are you an attorney looking for a new home? First Bank's Professional Loan Program can help ease the relocation process and help you secure a new home.

Here are some of the benefits of the Professional Loan Program:
✔ 100% financing for loan amounts up to $700,000
✔ 95% financing for loan amounts up to $1,000,000
✔ Save long-term with no private mortgage insurance
✔ Adjustable-rate loan options available

Learn more about this program and reach out to me to get started: https://bit.ly/3KKO0Cy.

12/13/2025

Your down payment on a home is a crucial aspect of purchasing a home. Here are some tips on helping you save for your down payment: https://bit.ly/4mKvJTT.

12/11/2025

Looking to buy a new primary home, second home, or investment property? We’ve got you covered!

Did you know that First Bank lends in 49 states? Let’s make your real estate goals a reality today. Reach out to me to get started!

12/09/2025

Have you applied for a loan and suddenly started receiving offers from other lenders? That's known as a trigger lead. These offers are generated when competitors sell your info to other lenders following a loan application.

Before applying for a home loan, take a moment to add yourself to the Do Not Call list and opt out electronically at www.optoutprescreen.com, at least five days before applying for a home loan.

12/05/2025

Saving for the down payment of a home plays a major role in the homebuying process. The amount that you save can influence your interest rate, monthly payment, and the need for mortgage insurance. Here are a few tips that can help you save for a down payment: https://bit.ly/4mKvJTT.

When considering a new home purchase, the down payment you put upfront plays a major role in your future housing expenses. As you prepare for the homebuying process, First Bank Mortgage is highlighting six tips to help you cut the extra costs and save a substantial amount for your down payment.

12/03/2025

Preparing to purchase a home takes a lot of financial preparation. From your down payment, paying for inspections, and everything in between, you'll want to ensure you have enough saved to cover expenses. Additionally, you'll want to make sure that your credit score is where you want it to be prior to applying. Here are some strategies you can implement to help you prepare: https://bit.ly/4p6Ak4v.