December 2021 ::   Archive 

Hi Friend,

A few weeks ago today, I was in Charleston, SC at our annual company awards! After some time of reflection, let me start by saying dreams do come true! It seems like yesterday that I was flying to Michigan to meet with the owner’s group of SMP to have discussions about joining their team. I had big dreams, just needed someone to believe in me, provide me the foundation to grow, and see the potential ahead. Fast forward over 6 years later and I walked across the stage as their #1 Loan officer closing over $150 million in business for our calendar year. Although that trophy has my name on it, NONE of this would be possible without the amazing team I have around me. I am so grateful they share my vision and show up each day ready to make a difference in the world. They are my family, and together we are better!

And a HUGE thank you to our team mates that chose to stay behind and keep the office moving while we were gone, you are ROCKSTARS!

To all of those that have supported me over the years, thank you will never be enough! I will continue to show up each day giving 150% to make your dreams come true!

For any of you who are out there with a dream in your heart, know it is possible and I believe in you. Will it be easy, heck no, will it be worth it heck yes! It doesn’t matter if it takes a year or ten, follow your heart and pursue that dream. You were placed on this earth to do something BIG and we all need you to do it. There is only one you, so show up!

Summary of the HWLT conference awards:

1. Diamond Club 2021

2. #1 Loan Officer

3. Distinguished service award- I am so proud of this one!

This is awarded to someone from either the sales or operations side of the business. This person displays an uncommon commitment to work and service. The winner of this prestigious award shows daily “service-minded” leadership characteristics and is someone that everyone can count on. This individual goes above and beyond the call of duty and never seeks anything in return. This person takes nothing for granted and is relentlessly committed to the betterment of the “whole”. The winner of this award is a true leader, one who is always looking out the window at accomplishments and in the mirror during times of adversities.

4. Vince Jackson- Circle of Excellence

An amazing person is one who does remarkable things. When a person strives to enhance the lives of others, when he focuses on empowering people, when he displays kindness, joy, and curiosity to better the world, he is an amazing person. In the summer of 2020, I was blessed to be introduced to Vince Jackson. As a professional in the mortgage business, it is everyone’s dream to build a team that shares the same vision and is committed to excellence in all they do. Vince deserves to be recognized and awarded for the exemplary work that he does each day on our team. We are better because of his hard work, determination, and perseverance to change the lives of all we come in contact with.

Watch out 2022! We are coming for you! 

The Holly Walther Lending Team

If you're in the middle of planning out all your Christmas shopping and still not sure what you are going to get for everyone, don't worry we have you covered! Whether you're shopping for Mom and Dad, your friends, or partner, these Christmas gift ideas are guaranteed to make anyone's holiday special. We've done the hard work for you and selected the top 40 Christmas gifts anyone would be thrilled to find under the tree. So relax, binge-watch all of your favorite holiday movies, and enjoy the Christmas season knowing that everyone on your list is taken care of.
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Fannie Mae & Freddie Mac Loan Increase to $647,200 in most U.S. Regions

If you are looking for a home in today's competitive market, your home search may have just gotten easier! According to the Federal Housing Finance Agency (FHFA), home prices have increased by 18% between the third quarters of 2020 and 2021, and will increase by the same percentage in 2022. The conforming loan limit will be $647,200 in 2022 for most U.S. regions.

These limits set a cap on the maximum mortgage that can be bought or guaranteed by Fannie Mae and Freddie Mac. These increases may assist qualified customers whose borrowing power may have been limited by the previous cap.

2022 increases are as follows:

  • $647,200 for one-unit properties in the majority of the country
  • Up to $970,800 in high-cost area one-unit properties in the contiguous U.S.
  • Hawaii, Alaska, Guam and the US Virgin Islands will have a baseline of S970,800 for one-unit properties
If you have any questions, please don't hesitate to reach out to our team!

"Success isn't just about what you accomplish in your life;
it's about what you inspire others to do."


Where in the World is Daisy? December: MJ's Custom Cakes

This month we have a special treat for our Where in the World is Daisy? series. We are announcing our new partnership with MJ's Custom Cake Designs! 

MJ's creates beautiful and unique custom cakes for birthdays, anniversaries, weddings, and many other celebrations. Even cakes for your fur-babies, baby showers, holidays, you name it. Follow along this month and use the code "Daisy" for free cake pops with your cake!

View their website here:


Tell Me More!

How Has the Real Estate Market Shifted in 2021?

Looking back over the past year, we have seen a lot of changes take place in the market. From the way houses are sold to mortgage rates and home values, it is clear that a shift has taken place. Remote work is one of the most apparent factors that has contributed to the shift. Spending more time at home has caused homeowners to reevaluate what is important in their living space, and a home office has become a necessity for many workers. The pandemic has prompted more people to cook their own food, garden, and enjoy their leisure time at home. As a result of these factors, living within city limits has become less of a necessity.

What Does Your Credit Score Mean for Your Mortgage Rate?

Your credit scare is an important factor in qualifying for a good mortgage rate. The higher your score, the lower rate you can qualify for. A score of 740 or above is considered excellent, and can help you secure the best rate. A drop of 100 points could cause a drop of 1% or more. This may seem small, but it can add up to a lot over time. The good news is, there are things you can do starting today to take control of your credit score and make improvements over time. When it comes to home buying, planning is everything!

Continue Reading :: Mortgage & Real Estate Blog

Demand Remains Strong...
December 2021 Real Estate and Mortgage Trends

Read More :: Market Trends
If you have questions, give us a call and we can explain what these rates mean for your current mortgage or future purchases.
Freddie Mac
30 Yr. Fixed 3.12% 0.60 +0.02
15 Yr. Fixed 2.34% 0.70 -0.04
1 Yr. ARM 2.68% 0.20 +0.01
5/1 Yr. ARM 2.45% 0.30 --

*Mortgage Rates change often and vary from person to person.
I have over 20 years of lending experience and a 100% closing record. The Holly Walther Lending Team is among the top mortgage loan producers in all of Georgia.
Schedule an Appointment Today!

Branch Manager
Holly Walther Lending Team
t. 404.436.0013
m. 770.374.7520

Georgia Residential Mortgage Loan
Licensee #51275

4343 Shallowford Road, Suite #110,
Marietta, Georgia 30062
Powered by Success Mortgage Partners, Inc. NMLS #130562
Georgia Residential Mortgage License #36474
Copyright © 2021 Holly Walther Lending Team, All rights reserved.

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