ToddPede - First Heritage Mortgage

09/04/2026

Are you guilty of also thinking, “I’ll never be able to save enough for a down payment.” 💭

If this thought has crossed your mind, you’re not alone. The good news? You may have more options than you think. 🏡

The 20% down payment rule is outdated, and today’s buyers have access to a variety of strategies and assistance programs that can help make homeownership more achievable.

Learn three ways to boost your savings and explore programs that could help you get closer to the keys in our latest blog. 🔗
https://myoc.io/dcGpuZFGM6P/pIYxM

09/02/2026

Are you feeling priced out or outbid on homes that should be in your budget? A new housing law might finally shift things in your favor. 🙌

This blog breaks down what the 21st Century ROAD to Housing Act actually does for real buyers — from making smaller mortgages easier to get, to limiting how many single-family homes big investors can scoop up. 🤩

Read our blog to see how these changes could impact your home search. 🔗
https://myoc.io/dcGpuZFGM6P/TwmnW

09/01/2026

5.0 star review received on Experience.com for Todd Pede by Theresa B - This was a great snd and smooth experience. All questions were answered to perfection and we were guidec through out the process

Click to see all 227 reviews of Todd Pede at First Heritage Mortgage, VP, Branch Manager | NMLS ID #846737

09/01/2026

Are interest rates keeping you from buying a home? 🏡 A buydown might be your answer!

A buydown lets you pay upfront to lower your rate for a bit so you can buy now, save monthly, and refinance later if rates drop. 💰

We break it down for you in our blog. Read all about it! 🔗 https://fhmtg.com/2023/02/16/what-is-a-buydown-on-a-mortgage/

08/30/2026

Do you still feel like the down payment is the biggest thing standing between you and buying a home? A little strategy can go a long way. 🏡

Well, we dig into three realistic ways to save — from automating your home account and trimming a few key expenses, to stacking assistance programs and gift funds so your goal moves from years away to within reach. 🙌

Read our blog to see how first-time buyers are actually getting to the closing table today and start mapping out your own plan! 🔗
https://myoc.io/dcGpuZFGM6P/vh94a

08/28/2026

Don’t overlook the appraisal in the homebuying process —it’s one of the most important steps in the mortgage process! But what happens if the appraisal comes in lower than expected? In today’s market, that’s a possibility many buyers face. 🤔

An appraisal helps ensure you’re paying a fair price for your new home while protecting buyers, sellers, and lenders alike. It provides an unbiased estimate of a property’s value and can help safeguard your investment from day one. 🏡🔧

👉🏼 Read our blog to understand why appraisals can come in low, and know your options if they do!
https://myoc.io/dcGpuZFGM6P/z1mSs

08/26/2026

Severe weather can strike when you least expect it. According to NOAA, weather-related disasters cause more than $100 billion in damage across the U.S. each year. 🌪️

The good news? A little preparation can go a long way.

Our latest guide covers everything you need to know before severe weather season arrives—from strengthening your home against potential damage to reviewing your homeowners and flood insurance coverage so there are no surprises when you need it most.

Read the blog and take steps today to help protect your home, your finances, and your peace of mind. 🔗
https://myoc.io/dcGpuZFGM6P

08/25/2026

Escrows keep everyone safe throughout the home-buying process.

It plays a pivotal role for both buyers and sellers. And once you’re a homeowner, it helps protect your money and keeps agreements on track, from contract to closing. 🔒🏡

Do you want to learn how an escrow works? Check out our blog! 🔗 https://fhmtg.com/2021/01/21/what-is-mortgage-escrow/

08/23/2026

Your first home might look different than you imagined and that’s okay! 🏡

Condos and townhomes are becoming go-to starter homes for first-time buyers because they offer a more affordable way into the market than many single-family homes. They each have their own tradeoffs in lifestyle, fees, maintenance, and long-term plans. 🔑

👉🏼 Our blog breaks down what to weigh between the two, how each option fits different budgets and lifestyles, and why getting into a home now can be smarter than waiting years for that ‘perfect’ single-family house.

Check out our blog to start figuring out which path to homeownership makes the most sense for you. 🔗
https://myoc.io/dcGpuZFGM6P/ZwK7V

08/21/2026

Are you wondering if there is anything actually changing for everyday homebuyers in today's housing market? This new housing law might be the shift you’ve been waiting for. 🙌

👉🏼 The 21st Century ROAD to Housing Act is now law, and it’s designed to make it easier to buy a home, especially for everyday buyers. It introduces a new pilot program to make small mortgages (under $100,000) more accessible and puts fresh limits on the biggest corporate investors buying up single-family homes, so regular buyers have a fairer shot.

Check out our blog to see what this law could mean for your home search. 🔗
https://myoc.io/dcGpuZFGM6P/qc8ZQ