Buying a Home | First Heritage Mortgage

01 2025 October

What the Government Shutdown Means for the Real Estate Industry

Today, on October 1, 2025, the federal government shut down after lawmakers failed to pass a funding bill. Many essential services are still running, but...

27 2025 September

Rates Tread Water but a Shutdown Looms Ahead

Rates Hold Steady Despite Key Data This week ended with mortgage rates slightly higher than they were at the end of last week. Despite an important...

11 2025 September

How to Buy a Home with Student Loan Debt

For many Americans, student loan debt can feel like one of the most significant barriers to buying a home. According to the Education Data Initiative,...

08 2025 September

What the Homebuyers Privacy Protection Act Means for You

On September 5, 2025, President Trump signed the Homebuyers Privacy Protection Act (H.R. 2808), also known as the Trigger Leads Bill, into law. This new...

14 2025 August

What Are the Differences Between VantageScore 4.0 vs. FICO® 10 Credit Scoring Models?

When you apply for a mortgage, your credit score plays a significant role in whether you get approved. It also affects your interest rate and...

31 2025 July

How to Buy a Vacation Home with a Non-QM Loan

Have you ever taken a vacation that you wished would last forever? Sometimes a vacation destination sticks with you and inspires you to relive that...

26 2025 July

Fed vs Trump

Trump and Powell’s Meeting Signals Tension The war of words between President Trump and Federal Reserve (Fed) Chairman Jerome Powell over the Fed’s hesitancy to...

21 2025 June

Fed Holding Rates Steady

The big news this week for mortgage rates was the Federal Reserve (Fed) meeting on Tuesday and Wednesday. As expected, they decided to maintain rates at...

14 2025 June

Friday the 13th, Mortgages, and Bond Markets

In Western superstition, the number 13 has been considered unlucky. The exact origins are unknown, but there are several possibilities: Either way, Friday the 13th is now...