Mike Bitrick

With Halloween a week away, many of us have a lot of spooky stuff on our minds. 🎃 When searching for your dream home, the last thing you want is for it to be haunted. 👻 Find out how to avoid buying a haunted house here! 🏚️ https://buff.ly/3QuDzn6

Your house is your most valuable asset. 🏠 That can prove especially useful when you have significant expenses come up, like home improvements, debt consolidation, college costs, or emergency expenses. 🤑 Read our blog post to find out how you can utilize the equity in your home to take out a loan. 💰 https://buff.ly/3Q0HhTS

If you choose to build a new home, instead of buying a pre-existing home, you should not have to sacrifice quality to be able to have a more custom design. 🏗️ Read our guide to find out how to choose a quality home builder. 🏠 https://buff.ly/3rYXSjc

One of the most common mortgage myths is that you need to pay a 20% down payment. 💰 Read on to discover how you can save on your down payment and get into your dream home faster. 🏡 https://buff.ly/3M6lOrC

The dream of homeownership is now more attainable for would-be homeowners from dual-income households thanks to a significant change in Fannie Mae’s credit score calculation. 👪🏡 Read our latest blog post to learn everything you need to know about Fannie Mae's new credit score averaging. 📖 https://buff.ly/3M8eJXM

Are you interested in creating passive income and building generational wealth? 🤑 When done right, owning a rental property can do just that. 💰 Read our guide to learn how to get started in property management. 🏘️ https://buff.ly/3RZXZ8y

We all know that buying a house is a journey and that there are many important milestones along the way. 🏡 Keep reading to learn just how long it takes to buy a house. 🕰️ https://buff.ly/3rHtda5

First impressions matter, so you want your front yard to be open and inviting! 👋 If you are looking for some landscaping ideas for the front of your house, click here. 🖱️ https://buff.ly/3rJPkfM

Rather than waiting for existing homes to become available, why not build your own? 🏗️ There are many other reasons to consider building a custom home. 🏡 Find out how much it costs and why it might be more realistic than you would think by reading our guide here. 📗 https://buff.ly/3ZOHjTp

Did you know that you can still buy a house as a non-US citizen? 🤯 An ITIN loan is a great option to get you in your dream home. 🏡 You can learn more here. 👉 https://buff.ly/3ZIPjFq

If you’re buying a home for the first time, or even for the first time in a while, it’s helpful to review the different steps and milestones you’ll need to be prepared for as you go through your homeownership journey. 🏠 We will cover what to expect from the entire process in our guide here. 👉 https://buff.ly/3ZFVvOJ

Getting pre-approved is the first step of the homebuying journey once you have decided that you are ready because it can give you an accurate picture of what you can afford and your financing options. 🏡 But, what happens if your pre-approval amount comes back lower than you were expecting? 🤔 Learn how to increase your mortgage pre-approval amount here. 👉 https://fhmtg.com/2023/05/18/how-to-increase-your-mortgage-pre-approval-amount/

It is no secret that rental properties can be a great way to generate passive income and build generational wealth. 🤑 If you are wondering how to get started, read our latest blog post! 💻 https://buff.ly/3RKk5vY

Buying a house that needs some renovations is a great way to maximize your budget. 🏚️ A home renovation project can need a lot of coordination, so the last thing that you want to stress over is your financing. 😓 Learn about a great construction loan for this exact situation by reading our guide on the FHA 203(k) loan. 📗 https://buff.ly/3rDNCN1

The fall can be a great time to host a party in your backyard. 🍂 Here are 7️⃣ tips for hosting the perfect backyard party. 🥳 https://buff.ly/457kSd7

The mortgage lender that you will work with during your home purchase is one of the most important decisions that you will make during your homebuying journey. 🏡 We strive to establish a local presence in every market that we lend in. 🤝 Discover the benefits of working with a local lender here. 👉 https://buff.ly/3rp05El

FHA loans are a popular choice among many homebuyers. 🏡 However, their requirement for mortgage insurance premiums (MIP) can add a significant cost to the monthly payments. Learn how to reduce your MIP payments here. 👉 https://buff.ly/46iJyAw

Maybe your home is already on the market, and you’re looking for tips to help generate more offers. 🏡 When it comes to selling your home, first impressions matter! 😊 Here are 7️⃣ tips for staging your home to help it sell faster. 👉 https://buff.ly/3t26cPg

With a lack of available houses, it is no wonder that many are considering building a custom home. 🏡 You might wonder how much it would cost, and what financing options might be available. 💰 Find out here. 👉 https://buff.ly/44WRVR7

If you’re buying a home for the first time, or even for the first time in a while, it’s helpful to review the different steps and milestones you’ll need to be prepared for as you go through your homeownership journey. 🏡 Read our latest blog post to learn what it means to be under contract and what contingencies are. 💻 https://buff.ly/3ZmXKpM

You can do a lot of golfing during the summer. 🏌️ Make sure your handicap doesn't increase as the amount of sunlight every day decreases with fall and winter by setting up your house like a golf pro. ⛳ Read our guide here. 👉

How to Set Up Your House Like a Golf Pro | First Heritage Mortgage Whether you’re a recreational sports player or an aspiring pro, you can adopt what golf pros have done in their homes that contributed to their success.

Looking on Zillow at the houses in your area that are for sale can be fun. 🏡 But if you are seriously searching, how do you know what you can afford? 🤔 Read on about pre-approval, and how it can tell you just that, here. 👉 https://buff.ly/3rkJl0I

Are you still unsure of whether you should buy a house now or wait until rates come down? 🤔 Don't worry, you are not alone! Read our guide to help you make the best decision for your situation. 📖 https://buff.ly/3Rp9Ahh

When you work with me and First Heritage Mortgage, you are more than just a number. 😊 Read on to discover all of the benefits of working with a local lender. 🏡 https://buff.ly/48m921Q

Just the idea of deciding to buy a house before selling your current house can stress many homebuyers out. 😖 But it doesn't have to! Read our guide to learn everything you need to know about bridge loans. 📖 https://buff.ly/45GHUsz

If you have financed with an FHA loan, you probably know that Mortgage Insurance Premiums can add a significant cost to your monthly mortgage payment. 💰 Find out what a Mortgage Insurance Premium is and how you can reduce your payments by reading our latest blog post. 💻 https://buff.ly/3r4Nkyy

When beginning your homebuying journey, your loan officer will help you assess your personal financial situation and find the best loan option for you. 🔬 There are many instances where a non-conforming loan may be recommended. 💸 Learn more about non-conforming loans here. 👉 https://buff.ly/45InVcV

With a great purchase comes great responsibility. 🏡 If you are a new homeowner, make sure you are aware of the essential home maintenance tasks and how to perform them by reading our guide here. 👉 https://buff.ly/3EpCvtZ

"The most efficient, communicative and wonderful mortgage company I have worked with yet. Well done!" says Keely on Google

Mike Bitrick at First Heritage Mortgage, LLC | Charlottesville, VA ★★★★★ The most efficient, communicative and wonderful mortgage company I have worked with yet. Well done!

Cheers to the hardworking individuals who make our world go 'round! 🛠️💪 Happy Labor Day, where we celebrate the dedication and contributions of every worker out there. Take a break, enjoy some well-deserved rest, and let's continue to build a brighter future together! 🌟

Labor Day weekend is a great time to throw a party! 🥳 The end of summer usually has great weather so you can host everyone in your backyard. 🌞 Here are 7️⃣ tips for throwing the perfect backyard party. https://buff.ly/3PnoAKY

Most homebuyers are aware that they will need to save money for the down payment. 🏦 Even if your loan program allows for a low down payment, you will still need to pay closing costs. 💰 Find out everything you need to know about closing costs, including what they are and a breakdown of what sellers and buyers pay, here. 👉 https://buff.ly/3R4y9zJ

Working with a real estate agent is an essential part of buying a house. 🏡 Read our guide to help you choose the best real estate agent to assist you throughout the homebuying journey. 📖 https://buff.ly/3R3mAJ6

One drawback of FHA loans is their requirement for Mortgage Insurance Premiums (MIP), which can add a significant cost to your monthly mortgage payment. 💰 Find out how to reduce your MIP by reading our latest blog post. 📖 https://buff.ly/3Z62v75

Buying a fixer-upper is a great way to afford a house that might normally be out of your price range while still having the opportunity to customize it the same way you would be able to with a new construction home. 🏚️ Since there’s already a lot to coordinate with a home renovation project, the last thing you’ll want to stress over is your financing. 💸 Learn more about a great financing option for this scenario, FHA 203(k) loans, here. 👉 https://buff.ly/45yARSO

Before you start looking for a house, you need to know how much mortgage you can afford. 💰 In this blog post, we will break down how to estimate your mortgage affordability. ✏️ https://buff.ly/3qHLrI0

Have you decided that you are going to sell your home? Here are some tips for selling and advice on how to decide what should you spend money on to get a higher offer on your home. https://buff.ly/3qVouRr

The next step after deciding that you are ready to buy a house is determining how much you can afford and what your financing options are. 💸 Getting pre-approved will help you accomplish just that. 😊 Learn everything you need to know about pre-approval here. 👉 https://buff.ly/45Hjuif

It is no secret that the housing market is experiencing an existing home inventory shortage. 🫠 Could homebuilders be the solution? 🤔 Warren Buffet certainly thinks so! 🧠 Learn more about Berkshire Hathaway's most recent investments here and then contact me to learn more about FHM's strong builder partnerships. https://buff.ly/44q13gL

The excitement of owning a house comes with the responsibility of maintaining it! 🏡 If you are a new homeowner, read our essential home maintenance guide to learn how and when to perform them. 🧰 https://buff.ly/3OTgBUC