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January 2022 ::   Archive 

Hi Friend,

Happy January and a very Happy New Year!

I’d like to start the year off with gratitude and take this opportunity to thank all of you for your support. As I reflect upon this past year, I am grateful for all the dreams and accomplishments that have come true. 2021 allowed us to end our calendar year with over $150 million dollars closed! Thank you to each and every one of the clients that chose us to be a part of their home journey, we are beyond happy to continue to be your lender for life.

We are also thankful to have been named #8 of the Top Loan Officers in the state of Georgia! It still feels unreal to me and I am truly honored for this achievement. To be of service to all of you is my passion. I LOVE what I do! Every day, I have the pleasure of working with families and making their dreams of homeownership turn into reality. It’s a blessing I am grateful for every day.

To wrap up this year, please allow me to humbly announce what an honor it was to be named #1 Loan Officer for Success Mortgage Partner for the 6th consecutive year. There is so much to be celebrated as we embrace the New Year and these accomplishments only inspire me to push further and do more. It's a true honor; I am forever grateful for my amazing agents, clients, and team members who helped make this possible. Without you I wouldn’t be able to assist everyone with their dreams of homeownership - thank you! I will continue to show up each day giving more than my all to make your dreams come true!

The Holly Walther Lending Team

Help Us Make Our Dream a Reality!

Exciting news! We made it through the nomination round for The Best Of Cobb 2022 and now it's time to vote. It’s been a dream of ours to be named Best of Cobb Lender of the year but we need your help to make this dream a reality. You can vote 1 time every day per email until Jan. 21st, 2022. Click the link below and go to the Real Estate and Finance section, then scroll to Mortgage Services. There you can cast your vote for The Holly Walther Lending Team. Your votes are very much appreciated as we strive to always make other dreams come true! The team and I thank you for your support.

Vote Here!
As you begin putting those 2022 business plans and goals into action, I challenge you to check out The High 5 Habit by Mel Robbins and start today. If you need an accountability partner – CALL ME! I would be honored to support you and see you be your best!

The High 5 Habit on Amazon

“When you change how you see yourself and treat yourself, a
whole new possibility opens up for your future self.”
- Mel Robbins

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!
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How Inflation Is Affecting Real Estate

With inflation rising, many people are wondering what effects this is having on the real estate market. Inflation shows up in a different way for investors, builders, borrowers, sellers, and renters. For new homes, the rising cost of building materials has a direct impact on prices. Borrowers may be happy to know that the value of their debt decreases with rising inflation. Historically, interest rates have risen along with inflation, and the value of assets has increased. Rent has been rising rapidly over the last year, and homes have been appreciating. Many investors see real estate as a safe bet in an otherwise volatile economy.

What Are the New Conforming Loan Limits in 2022?

The FHFA recently announced the conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac in 2022. The limits are adjusted every year based on average home prices, which have increased just over 18% this year. These vary based on the median home values in each area, but for most of the U.S., the new CLL will be $647,200 for buyers of single unit homes. This is nearly a $100,000 increase. For areas with higher cost housing, the limit will be up to $970,800. This is the new dividing line between conforming loans and jumbo loans for the major lenders.

If you are a borrower, this is great news! Be sure to contact your trusted mortgage professional for more details. We are always here to answer questions.

Continue Reading :: Mortgage & Real Estate Blog

Building the future...
January 2022 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 3.11% 0.70 +0.06
15 Yr. Fixed 2.33% 0.70 +0.03
5/1 Yr. ARM 2.41% 0.50 +0.04

*Mortgage Rates change often and vary from person to person.
EVERYONE HAS A STORY!  This is OUR TEAM and OUR PASSIONS.
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 
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
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