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My Gates Team
What Does a Mortgage Conditional Approval Mean?
What Does a Mortgage Conditional Approval Mean?
Heidi GatesJanuary 28, 2026
What is an Appraisal Gap? How it Impacts Buyers
What is an Appraisal Gap? How it Impacts Buyers
Heidi GatesDecember 23, 2025
Mortgage Process Steps: Loan Processing, Underwriting, and Closing Explained
Mortgage Process Steps: Loan Processing, Underwriting, and Closing Explained
Heidi GatesNovember 26, 2025
What is PMI? All You Need to Know About Private Mortgage Insurance
What is PMI? All You Need to Know About Private Mortgage Insurance
Heidi GatesOctober 29, 2025
Mortgage Financing for Self-Employed Buyers: What You Need to Know
Mortgage Financing for Self-Employed Buyers: What You Need to Know
Heidi GatesSeptember 24, 2025
Understanding Zero-Down Mortgage Options
Understanding Zero-Down Mortgage Options
Heidi GatesSeptember 10, 2025
The Home Buyers Checklist: Everything to Keep Track Of
The Home Buyers Checklist: Everything to Keep Track Of
Heidi GatesAugust 27, 2025
Show all Debunking the Top 5 Mortgage Myths
Show all Debunking the Top 5 Mortgage Myths
Heidi GatesJuly 22, 2025
The Complete Home Buying Timeline: What to Expect
The Complete Home Buying Timeline: What to Expect
Heidi GatesJune 26, 2025
Don’t Sign That Lease Renewal: Buy a Home Instead
Don’t Sign That Lease Renewal: Buy a Home Instead
Heidi GatesMay 28, 2025
Got a Rent Increase Notice? Here's Why It Might Be Time to Buy
Got a Rent Increase Notice? Here's Why It Might Be Time to Buy
Heidi GatesApril 29, 2025
Temporary Buydown: Pros, Cons, and When to Use One
Temporary Buydown: Pros, Cons, and When to Use One
Heidi GatesMarch 21, 2025
Mortgage 1 Named Top MSHDA Lender of 2024
Mortgage 1 Named Top MSHDA Lender of 2024
Heidi GatesFebruary 27, 2025
8 Key Benefits of VA Loans
8 Key Benefits of VA Loans
Heidi GatesJanuary 31, 2025
12 Essential Do's and Don'ts for First-Time Homebuyers
12 Essential Do's and Don'ts for First-Time Homebuyers
Heidi GatesDecember 30, 2024
Government-Backed Mortgages: What Are They?
Government-Backed Mortgages: What Are They?
Heidi GatesNovember 29, 2024
6 Tips to Boost Your MSHDA Approval
6 Tips to Boost Your MSHDA Approval
Heidi GatesOctober 29, 2024
Renting vs. Buying: Weighing Your Options in 2024
Renting vs. Buying: Weighing Your Options in 2024
Heidi GatesSeptember 26, 2024
How Many People Can Be on a Mortgage?
How Many People Can Be on a Mortgage?
Heidi GatesAugust 29, 2024
MSHDA Sales Price & Income Limits 2024
MSHDA Sales Price & Income Limits 2024
Heidi GatesJuly 23, 2024
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For complete licensing information, please go to nmls.org | Company NMLS #129386 | Heidi Gates NMLS #162420 | Lauren Gilleran #1751133 | Equal Housing Lender

Mortgage 1 ("the company") maintains policies and procedures designed to protect the integrity and security of consumer and customer information. Mortgage 1 Inc. is a national mortgage servicer and accepts payments from consumers. We are required to be licensed as a debt collection company. NMLS #129386. Thank you for considering Mortgage 1 for your mortgage financing needs. The Mortgage 1 Inc. Website uses cookies, tracking pixels and related technologies that collects personal information. Cookies are small data files that are served by our platform and stored on your device. Our site uses cookies dropped by us for a variety of purposes including to operate and personalize the website. Also, cookies may also be used to track how you use the site to target ads to you on other websites.

This is not a commitment to lend. Restrictions apply. All Rights Reserved.  Mortgage 1 Inc. is not acting on behalf of or at the direction of MSHDA, VA, Rural Development or the federal government.

Mortgage 1, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Consumer Financial Protection Bureau P.O. Box 4503 Iowa City IA 52244

The actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. An LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms, and conditions. Terms, conditions, and rates are subject to change without notice. The information provided is for dissemination to and for the use of real estate and financial entities only and is not an advertisement for the extension of credit to consumers. Online homeownership education may be required. Equal housing lender, NMLS#129386