Elizabeth Pugh

08/29/2025

I love all things development: Business, Personal, Relationships…. Having the ability to grow my skill set and harness the power to help more families is truly a blessing ❤️

I’m proud to say I joined the 20/20 Vision for Success coaching. A program designed to help me, help you!

“Investing in your skills is really investing in your clients”

08/18/2025

Even if you don’t “fit the box” of a traditional 9-5, there’s often another box that fits YOU.

DM me and I’ll help you figure out your best path to homeownership — because your dream shouldn’t be on hold just because your paycheck looks different. 💖

🏡 Elizabeth Pugh
Your Mortgage Girlie 💕 | NMLS # 2645195

08/08/2025

Whether you’re thinking about refinancing, upsizing, or buying something new… I can help build a smart financial plan 🗒️💲

✏️ Explore low down payment loan options
✏️ Understand what you need to qualify
✏️ Avoid common (and costly) homebuying mistakes

Smart moves start with smart money choices. Comment “School” for more!

07/24/2025

“I am so jealous you live in FL”
“I want to live close to the beach”
“I can’t wait to move some day”

I hear this all the time!! Don’t let state borders hold you back from living the life you want ❤️

Yes it’s scary, but yes you will adapt

1️⃣ I rented in SRQ for a year before buying, I wanted to learn the area and sight see

2️⃣ I found a city and beach I love, and where I spend most of my free time. I knew I would move to Bradenton (about 40 minutes from where I rented)

3️⃣ I purchased a condo that was meant for me, the timing was perfect and the location even better!!

Now, I’m on a mission to not only empower first time homebuyers BUT show you the possibilities with transparency & care. 🫂

07/23/2025

07/04/2025

Today we honor the freedoms we enjoy and the opportunities they bring 🇺🇸

Whether you’re grilling, boating, or just soaking up the sunshine, I hope you enjoy every moment with the people (and pups) you love. ❤️🐾

And when the sparkles fade and you’re back to thinking about big moves—refi, buying, or just using your equity smarter—I'm always here to help you make it happen.

💬 Stay safe, stay festive, and DM me anytime with questions.

I’ve got you, red white & real estate style! 😉

05/09/2025

🎉 We did it again! 🎉
For the 12th consecutive quarter, Reliance First Capital has been named to LendingTree’s Top 10 in Customer Satisfaction for Q1 2025!

This recognition reflects the dedication, energy, and heart our team brings to every client interaction. 💪💙
We’re proud to be a trusted name in the industry — and even prouder of the people who make it happen every day.

Here’s to keeping the momentum going and continuing to deliver exceptional service! 🙌

05/08/2025

What were you doing in 2000?

Downloading LimeWire tracks?
Flipping through a Blockbuster DVD?
Worrying about an 8.2% mortgage rate?

Funny how quickly we forget what “normal” used to look like.

Because now?

Everyone’s panicking about 6.8%.

But here’s the truth:

→ 6.8% isn’t a crisis.
→ 2.7% was the anomaly.
→ And waiting for perfect rates is how people get stuck.

Buyers who win don’t wait for the lowest rate.
They act when it makes sense for them.

P.S. Want a no-fluff breakdown of what the data actually means for you? I’ll send you the best real estate email in San Diego.

👉 https://mailchi.mp/7be21084c3ef/sdnewsletter

05/08/2025

The economy may be uncertain, but your mortgage doesn’t have to be. I’m helping clients tap into equity, reduce risk, and get stable—even when the market isn’t. Want to know if it’s time to adjust your strategy?

DM me ‘SAFE’ if you want to see how your mortgage can protect you this year.

05/07/2025

Let’s talk about equity, babe—because if you’ve owned a home in FL, GA, TN, KY, PA, or NJ for the last 5–10 years… you might be sitting on way more than you think.

Here’s the 10-year glow-up:
• FL: Up to 127% in some counties
• TN: Over 120% growth statewide
• GA & KY: Steady 50%+ gains
• PA: 35%+ boost since 2020 alone
• NJ: Led the nation last year with 22.3% growth

That’s real money you could use—for renovations, debt payoff, or just better loan terms.

Wondering how much equity you’ve got?
Shoot me a quick DM with your state + “EQUITY” and I’ll run the numbers for you—no strings attached.

05/06/2025

How loan terms can impact rate!

This isn't workable for every homeowner, but here's how to get the lowest possible fixed-rate mortgage. 🧐👍💪

Lenders like to get paid back faster than 30 years, so they're happy to offer a lower rate on shorter-term loans.

For example, a 20-year fixed mortgage usually comes with a lower interest rate than a 30-year fixed.

However, the lowest fixed rates available are on a 15-year term.

If the payment is workable, you can save a substantial amount of money on interest over the life of the loan. Plus, you pay off your home 15 years sooner!

Yes, the monthly payments are higher, but the long-term savings can be well worth it.

It's definitely something to consider when shopping for a mortgage! 🏡📉

By the way, you'd think that a 10-year fixed would have an even *lower* rate, right? Actually, not really.

The 10-year fixed tends to have a rate comparable to a 15-year fixed, so it's usually best to just go with the relatively lower payment of the 15-year loan.

You can always make extra payments to pay it off faster.

04/22/2025

Every situation is unique—but one thing’s the same:
I’m here to make the process feel simple, supportive, and empowering.

Let’s talk about what’s possible for you.

Real talk. Real rates. Real results.
Elizabeth Pugh
NMLS ID # 58775
[email protected]
941-477-5914