Wishing you had a permanent getaway?? The time to act is now!
The Federal Housing Finance Agency (FHFA) recently announced the rollout of stricter guidelines for second-home and high-balance mortgages. As a result of these changes, borrowers like you will soon be faced with higher interest rates and costs. There is still time to act before the guidelines set in! Recent trends show that the purchase of a second home is on the rise because of the following.
1. A home away from home to create and share with your family, friends and loved ones.
2. With more and more employers promoting working from home, it allows borrowers to have a better work life balance.
3. It allows borrowers to take advantage of hybrid living.
4. Provides an investment to add to your wealth portfolio.
5. Starting to plan for retirement by taking advantage of historic low rates and costs.
Surprise the one you love with a contract on a second home in the month of February. See below to see how much of an impact these changes will have on a scenario of $300,000 with 20% down.
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Let's talk about the possibility of getting you pre-approved before this ideal buying window ends!
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Hi Friend,
Happy Month of Love! We felt because Valentine's Day is right around the corner, it’s only fitting to celebrate all the love and touching testimonials we’ve received and extend our deepest gratitude! A special thank you goes out to all of our amazing clients and realtor partners; your feedback is incredibly important to us as we strive to provide the best service for all of you. It is a privilege to have the opportunity to work with our clients and to help turn their dreams into a reality! Wishing you all a month full of love and happiness!
The Holly Walther Lending Team
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I think some of us can get so caught up in our own lives that we forget that the simplest of things can make the most significant impact on someone else. A smile, a compliment, or paying a meal for a stranger are easy ways to brighten someone’s day. My husband and I encourage our boys to practice random acts of kindness. In this month of love we want share some of our favorites with you.
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As the old adage says, one of the best ways to someone’s heart is through their stomach. We wanted to help spread the love by sharing one of our favorite sweet treat recipes so you can let your friends, family, and significant others know how much you care. Enjoy!
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We are so excited to introduce you to our newest addition to the team, Gordie Powell!
With over 17 years of mortgage experience, Gordie has the knowledge and resources to help get you the best possible mortgage for you and your family. Gordie fully understands that your home is likely the largest investment you have and since market conditions and loan programs can change rapidly, you need to partner with someone who can work with you every step of the way to ensure things go as smoothly as possible. Gordie Powell can help you explore the many innovations and options to get the mortgage that is the right fit for you and your family.
Some of his favorite past times are running, cycling, swimming, and triathlon. As a 3-time Boston Marathon finisher, 4-time Ironman finisher, 10-time half-Ironman finisher, and many other races, he spends a good part of his time training for these. Waking up early before work to get it done, his dedication to sport and work go hand in hand. His love for running has brought this joy to others by participating in events with Kyle Pease Foundation, an Atlanta-based group that promotes success for persons with disabilities by providing assistance to meet their individual needs through sport. In October 2018, at the Marine Corp. Marathon in D.C., Gordie and his adapted athlete, Lizzie, qualified for the Boston marathon in 2020. This couldn’t be possible without the hard work and dedication he possesses to get the job done and the same can be said about putting you into a home.
We can't wait for our clients to get to know him as he guides them through their home journey! As always if you need anything or have any questions, please don't hesitate to call.
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“When you change how you see yourself and treat yourself, a
whole new possibility opens up for your future self.”
- Mel Robbins
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Where in the World is Daisy? Dunham Legal
For the month of February, we have the pleasure of partnering with Mike Dunham, a good friend and colleague of mine. He owns Dunham Legal here in East Cobb. Over the pandemic, a lot of couples have spent a lot of time together. And now they're finding out that maybe they're not so good together. In this four week series we explore divorce and mortgages, and what that looks like.
View their website here: https://dunhamlegalgroup.com/
770 . 628 . 7330 |
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Top Homebuyer Misconceptions in Real Estate This Year
There is so much Real Estate information on the web it is easy to get carried away or feel overwhelmed. If you are a homebuyer or looking to enter the market this year, be sure to avoid common misconceptions in real estate. Buying a house is one of the biggest financial decisions you will make, so be sure to get your facts in order. There are a variety of options available for those interested in buying a home. Reach out to a mortgage professional to see what you may be eligible for and what works best with your overall financial picture.
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Best Technology and Digital Apps to Use When You Are in the Market
Today, almost every sector has enhanced its user experience with technology and digital resources. For the mortgage and real estate industries, adapting to the changes with technology was a must. Technological advances, the convenience of digital tools, and mobile apps have increasingly gained momentum over the last few years. Since the pandemic in 2020, it became even more apparent that FinTech and Digital access for Real Estate is here to stay.
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Building the future...
February 2022 Real Estate and Mortgage Trends
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If you have questions, give us a call and we can explain what these rates mean for your current mortgage or future purchases.
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| Freddie Mac |
| 30 Yr. Fixed |
3.55% |
0.70 |
-0.01 |
| 15 Yr. Fixed |
2.80% |
0.60 |
+0.01 |
| 5/1 Yr. ARM |
2.70% |
0.20 |
+0.10 |
*Mortgage Rates change often and vary from person to person.
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EVERYONE HAS A STORY! This is OUR TEAM and OUR PASSIONS.
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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.
MEET THE TEAM
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