Amber Patout: First Horizon Mortgage

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.

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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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.

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.

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.

Homebuyers, don’t beware: I’m available on the weekends to assist with any issues that might arise as you apply for a mortgage. Contact me today – any day you want.

Mortgage refinancing activity recently jumped to a two-year high, indicating that many people are finding it worthwhile to refinance their home loans.

Should You Refinance Your Mortgage Right Now? Here's How to Decide Refinancing activity recently jumped to a two-year high. Here's how to tell if it's right for you.

Getting ready to refinance your primary home? Whether you want to lower your interest rate and/or monthly payment, or you are looking to consolidate other outstanding existing debts, First Horizon Bank can offer solutions to help meet your refinancing needs.

Send me a message and we can explore your refinancing options.

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.

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

As mortgage rates fall, you might wonder if it's time to refinance. Here's how to decide if you should refinance your mortgage now or wait until later in 2024 or beyond.

Mortgage rates are dropping. Should I refinance my mortgage now or wait?

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.

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.

Not sure if it's quite safe to refinance your mortgage? Here are three signs that it may be time.

3 signs it's safe to refinance your mortgage again Mortgage rates are ticking downward again. Here are three signs it may be safe for you to pursue a refinance.

5.0 star review received on Experience.com for Amber Patout by William G S - Amber was always quick with a response if I had a question or needed an updated approval letter. She was very helpful by guiding me through the whole process of buy a home. I would recommend her to anyone, no question. Amber was also great with showing me all the different scenarios of financing that were available to me and all their upfront costs.

New ★★★★★ 5 Star Experience.com Review by William G S Click to see all 28 reviews of Amber Patout, Mortgage Loan Officer

Negotiating closing costs can save you thousands when buying a home. But not every fee associated is negotiable. Here's what you need to know to get the best deal.

10 Tips for Negotiating Closing Costs

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.

Budget-Friendly Ways to Entertain Your Kids This Summer Summer fun doesn't need to be expensive. These free and low-cost activities provide entertainment, engagement, and learning without compromising the family budget.

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.

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.

Applying for a mortgage can feel like wandering into a maze. I’m here to guide you through the steps involved from applying to closing. Reach out when you’re ready.

5.0 star review received on Experience.com for Amber Patout by Christy D B - Everything, mostly done online

New ★★★★★ 5 Star Experience.com Review by Christy D B Click to see all 27 reviews of Amber Patout, Mortgage Loan Officer

5.0 star review received on Experience.com for Amber Patout by Kandice D - Amber was great to work with and made the process seamless! Couldn’t ask for a more organized and knowledgeable loan officer.

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5.0 star review received on Experience.com for Amber Patout by Thomas T W - Easy application process and good communication throughout the process.

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5.0 star review received on Experience.com for Amber Patout by Joseph C P J - Amber was so easy to talk to and she made sure we understood everything that was sent to us. If I had any questions or concerns she made sure to get the answers. It was such an easy and pleasant experience working with Amber on this loan. We will definitely recommend her.

New ★★★★★ 5 Star Experience.com Review by Joseph C P Click to see all 24 reviews of Amber Patout, Mortgage Loan Officer

5.0 star review received on Experience.com for Amber Patout by James M O - Amber made it great

New ★★★★★ 5 Star Experience.com Review by James M O Click to see all 23 reviews of Amber Patout, Mortgage Loan Officer

5.0 star review received on Experience.com for Amber Patout by Chance R - Amber goes above and beyond for her clients! She works very hard and is great at what she does! Can’t recommend her enough!

New ★★★★★ 5 Star Experience.com Review by Chance R Click to see all 22 reviews of Amber Patout, Mortgage Loan Officer

5.0 star review received on Experience.com for Amber Patout by Niya M H - Mrs.Amber was amazing from start to finish. She went above and beyond to make sure I received the best experience as a first time home buyer. I would recommend her to anyone!!

New ★★★★★ 5 Star Experience.com Review by Niya M H Click to see all 21 reviews of Amber Patout, Mortgage Loan Officer

Buying a home in 2024 could be good for those who want to get ahead of the competition. Here's what to know now.

Should you buy a home in 2024? Here's what some experts suggest

We understand the unique financial profile of doctors and have developed tailored home loans to meet their needs better. Explore how lenders can customize loan options, offer flexible terms and create specialized programs to meet the intricate financial needs of medical professionals. Learn more about some key differences in doctor home loans versus traditional real estate mortgages.
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Putting your home on the market? Cleaning and de-cluttering is just the start. Talk to me for more insights into how to make your house stand out.