Marci Gagliano Handal: First Horizon Mortgage

It's entirely possible to get a home loan while carrying student loan debt, so long as you still meet the lender’s criteria.

Yes, You Can Still Buy a Home When You Have Student Loan Debt You can buy a home when you have student loan debt, but the debt can present some challenges.

Did you know that your credit score could change the rate on a mortgage by as much as 1.5 percentage points? If you’re getting ready to purchase a home, you’ll need to get your credit score ready. Contact me to learn more about how your credit and home buying journey go hand in hand!

Finding the mortgage that’s right for you is an important step in getting a home you’ll love. At First Horizon, we’ve helped thousands of people like you find a mortgage that helps make homeownership simple, straightforward and affordable. Let’s chat – I can walk you through your mortgage options.

Found a home you think is “the one”? After signing a purchase and sale agreement, you’ll need to apply for a home loan with your lender. Contact me, and I can walk you through the different types of loans, like a conventional loan, FHA loan, USDA loan or VA loan.

Buying a home shouldn’t be a headache, which is why the more you know about what to expect from the process, the better. First Horizon’s homebuying checklist is designed to make your first home purchase easier. Let’s chat. I can walk you through the checklist and help you navigate the process of becoming a homeowner.

The kids may be celebrating that school is out for summer, but this season of fun and sun often presents challenges to many families, especially those on a budget or looking to save some extra money as the cost of living rises.

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If your student debt is holding you back from your financial goals, that's a good sign you owe too much. Here are other signs you have too much debt.

Concerned About Student Debt? Use This Guide to Avoid Borrowing too Much

Are you a renter who’s ready to buy, but nervous to take the first step? You may be putting more money down when you buy, but you’ll be building equity for yourself, not paying a landlord. Let’s chat. We can review the benefits of buying over renting, and can walk you through your mortgage options and how First Horizon can offer support.

In the realm of personal finance, sensible retirement planning and the fear of missing out (FOMO) often stand at odds with each other.

Three Sensible Retirement Planning Tips to Fight Off FOMO Don't let hot stock trends and fear of missing out derail your financial plan. Succumbing to emotion could put your retirement lifestyle at risk.

Tired of renting and anxious to call a place your own? If you’re thinking of taking a leap into homeownership, make sure your financial ducks are in a row:
• You have a good credit score.
• You’ve saved for a down payment.
• You have an emergency fund.
• You’ve calculated all the costs.
Need help transitioning from renter to homeowner? Contact me today.

Yes, delaying Social Security means a bigger benefit. But when deciding whether it's worth the wait, take stock of these pros and cons. You might be surprised.

The Social Security Conundrum: Take It Now, or Wait Till 70?

Worried you won’t get a home loan because of medical school debt? You may be surprised to learn that, at First Horizon, we understand your situation better than you think. One of the main reasons banks are open to financing homes for new doctors is their income potential. Contact me to learn more about doctor home loans.

While saving is a huge part of retirement planning, tax efficiency and estate planning can be just as important, especially once you actually retire.

Are You a DIY Retirement Planner? Four Things You Need to Know

Have you started looking for a house to buy? While it’s good to know what you want, it’s even more vital to know what you’re willing to compromise. Think of your criteria as a triangle – price, location and house – and then decide which two are most important. Contact me for assistance on your homebuying journey. We can review your budget and find a mortgage to fit your needs.

Wanting to pay off your mortgage is a great goal, but sometimes it’s more financially prudent to tackle other financial matters first, like:
1. Erasing high-cost debt.
2. Setting up an emergency fund.
3. Increasing your IRA or 401(k) contributions.
4. Consider investing in the market.
Still not sure what to do? I can help you talk through your options to find the best solution for you. Contact me today.

In the face of high interest rates, the rising cost of living and other financial challenges, saving money has never been more critical. For many Americans, however, the ability to save is becoming a luxury.

American Savings By Generation: How Balances And Goals Vary By Age In the face of high interest rates, the rising cost of living and other financial challenges, saving money has never been more critical. For many Americans, however, the ability to save is becoming a luxury. Forbes Advisor's latest survey reveals trends and patterns regarding how four key generat

Trying to establish your homebuying budget? Apart from figuring out how much you’d be comfortable with spending on a mortgage payment each month, don’t forget to factor in ongoing maintenance costs, repairs, insurance, property taxes, etc. At First Horizon, we have a handy home affordability calculator to help you figure out how much home you can afford. Contact me and I can walk you through this handy calculator.

What is mortgage refinancing? In short, it’s a way to replace your current mortgage with a new one — complete with new terms and a new rate.

What is Mortgage Refinancing? How Does it Work? Vault’s Viewpoint on Mortgage Refinancing Mortgage refinancing can deliver benefits like a lower interest rate, a shorter repayment term or cashing out so

By understanding the goals you are trying to achieve by refinancing your mortgage, you'll gain a better understanding at which option is best for you. Here are some questions you may want to ask!

Mr. Cooper Mortgage Review 2024: Online Mortgage Options With Opportunities To Save Vault’s Viewpoint on Mr. Cooper Mortgages Mr. Cooper is an online mortgage company that offers home loans available under the major mortgage programs of th

Found your dream home? Congratulations! The next step is to secure your financing.

Applying for a home loan involves completing the lender’s application and providing some documentation, such as:

- Tax returns for the previous year (or two years if you’re self-employed)
- Bank account statements
- Investment account statements
- Pay stubs
- W-2s

Contact me for more information regarding home loans.

Getting ready to purchase your dream home? The first step is finding a mortgage that’s right for you.

First Horizon Bank offers a wide variety of loan programs, including:
- Fixed-rate mortgages
- Adjustable-rate mortgages
- First-time homebuyer mortgage programs
- Mortgages to build a new home
- Special programs for medical professionals

Send me a message to go over your mortgage options.

Choosing the right mortgage can put home ownership within reach, despite increasing interest rates.

The most common mortgage options include:
- Conventional loans
- FHA loans
- USDA loans
- VA loans

Each loan has a different requirement when it comes to approval qualifications and your down payment. Contact me and I can help you find the appropriate loan option.

Ready to take the step into home ownership? Did you know that by purchasing mortgage insurance, lenders are comfortable with down payments as low as 3% to 5% of the home’s value?

Contact me to learn more about mortgage insurance.

What is mortgage refinancing? In short, it’s a way to replace your current mortgage with a new one — complete with new terms and a new rate.

What is Mortgage Refinancing and How Does it Work? Vault’s Viewpoint on Mortgage Refinancing Mortgage refinancing can deliver benefits like a lower interest rate, a shorter repayment term or cashing out so

Here’s everything you need to know about how divorce impacts your mortgage.

Divorce and your mortgage: Here’s what to know Bankrate helps with your divorce mortgage options, including how to split the house and take your name off the mortgage.

Quick prequalifications. Credit counseling. I’ll guide you through the loan process so you can make homeownership a reality. Let’s chat today.

I understand that buying a home for the first time can be overwhelming, both financially and emotionally. As you navigate the process of becoming a homeowner, here’s a handy homebuying checklist to keep as a reference:

#1 Review your credit
#2 Establish your homebuying budget
#3 Shop for a lender
#4 Find the right agent
#5 Make an offer and secure financing
#6 Perform due diligence
#7 Get ready to close

Need help transitioning from renter to homeowner? Contact me today.

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If you want to tackle home improvements, consolidate high-interest debt or cover the cost of college, cash-out refinancing could be the solution.

Cash-out refinance: How does it work? Cash-out refinancing could turn your home equity into cash in hand. But a cash-out refinance isn’t a good idea for all consumers. We have the details.

Nervous about buying a home? Consider the benefits: building equity for yourself, consistent payments with a fixed-rate mortgage, tax advantages, and the most fun part, freedom to make design changes.

Have questions about how homebuying works? Let’s talk and I can help demystify the process.

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