Integrity Financial Services

Big financial headlines today 🚀
With SpaceX making its public-market debut, people are talking a lot about investing, portfolios, and long-term growth.

It’s a good reminder:
The strongest financial futures usually start with a plan.

For many families, real estate is still one of the biggest long-term assets they’ll ever own — but before you start scrolling listings or touring homes, it helps to understand the numbers first.

✅ What payment range feels comfortable
✅ What you may qualify for
✅ What loan options could fit your goals
✅ Whether down payment assistance programs may help

You do NOT need to have everything figured out today.

You just need the right strategy and guidance for your next step.

Thinking about buying a home this year?
Comment PLAN or send me a message and I’ll help you understand your options. 🏡

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908

Eligibility and terms vary. Not all borrowers qualify. This is not investment advice.

🏡 If you’re even thinking about buying this year, don’t start with Zillow. Start with clarity.

The #1 reason buyers feel stressed is because they’re shopping without knowing:
✅ what they actually qualify for
✅ what payment range feels comfortable
✅ what to fix (if anything) before they apply

A quick pre-approval game plan can save you weeks of wasted time and help you move fast when the right home shows up.

👇 Question for you:
What do you want most right now?
A) Lower payment
B) More house
C) First-time buyer plan
D) Down payment help

Mark J. Spence | NMLS # 331535
Integrity Financial Services of Tampa Bay, Inc. | NMLS # 327908
Eligibility and terms vary. Not all borrowers qualify.

Hey, Renters in St. Pete — quick question for you 👇
What’s holding you back from buying?

A) Down payment
B) Credit
C) Monthly payment
D) Don’t know where to start

You’re not alone — more buyers are getting help than you might think. A recent report shared by Florida Realtors notes that 40% of homeowners received down payment help (up from 35% in 2023), and nearly 80% of Gen Z homeowners said they received down payment assistance.

St. Pete-Clearwater thas a Housing Down Payment Assistance Program for eligible first-time homebuyers purchasing within city limits of St Pete and the City notes it’s provided as a 0% interest, secondary mortgage (with program rules/limits that apply).

Here’s the article (below):

Mark J. Spence | NMLS # 331535
Integrity Financial Services | NMLS # 327908
Program guidelines vary. Not all applicants qualify.

More young buyers rely on down payment help A growing share of younger buyers is relying on family help, gifts and assistance programs to buy homes, highlighting how affordability pressures are reshaping the path to homeownership.