ToddPede - First Heritage Mortgage

10/09/2026

What if your mortgage payment didn’t have to start at its full amount? 👀

A mortgage buydown can help make those early years of homeownership more manageable by temporarily reducing your monthly mortgage payments. But how does a buydown actually work, and what’s the difference between options like a 2/1, 1/1, or 1/0 buydown?

We’re breaking down what homebuyers need to know, including how mortgage buydowns work, potential savings, and what to consider before deciding if one fits your home financing strategy. 🏡

If you're thinking about buying a home, check out our blog to see if a buydown makes sense for you. 👇
https://myoc.io/dcGpuZFGM6P/cgmmM

10/07/2026

Found a home you love, but it needs a little (or a lot of) work? 🛠️🏡

A home renovation loan could help you turn that fixer-upper into the home you’ve been dreaming of—all with one mortgage, one closing, and one monthly payment. If you are thinking about remodeling your kitchen or adding a bedroom, read our latest blog to learn how reno loans work! 👇
https://myoc.io/dcGpuZFGM6P/eBAx1

09/22/2026

What's the difference between a co-borrower and a co-signer? 🤔

A co-borrower = co-owner. You both share the loan and the property, and missed payments impact both credit scores. 👥

A co-signer = backup support. Their credit is checked, but they don’t own the home. They just step in financially if needed. 🤝

Understanding the difference is helpful when you're navigating the mortgage process. Learn more about each role here! 🔗 https://fhmtg.com/2024/09/12/co-borrower-vs-co-signer-which-one-is-right-for-you/

09/15/2026

Buying a home is typically one of the biggest investments a person will ever make. That is why home inspections are a crucial element of most home purchases. 🏡🔧

It helps uncover details you might miss and ensures your investment is safe and sound to avoid any future surprises. 😬

To learn more about what to expect from a home inspection, read our blog! ➡️ https://fhmtg.com/blog/how-does-a-home-inspection-work/
https://myoc.io/dcGpuZFGM6P/oNgEv

09/08/2026

At the end of the home buying process, there is a common misconception that you only have to pay the down payment. To avoid unwanted surprises, it's important you know all about closing costs! 🏡

To learn more about what to expect, read our blog! 🔗 https://fhmtg.com/2019/09/04/what-are-mortgage-closing-costs/

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