There's no time like the present, especially when it comes to your mortgage. Have you noticed? Mortgage rates are currently on the decline. This might just be the perfect opportunity for you to refinance.
Remember - these golden opportunities are fleeting, just like summer sunsets. You need to be prepared in advance to make the most of them.
Here's how you can get started:
Book a Consult: Schedule a call today via our online booking portal. This way, all preparatory work will be completed, ready to lock and close when the rates hit that sweet spot you're waiting for.
Guard Your Privacy: Be aware of "Trigger Leads" - a somewhat intrusive practice where you could be barraged with unsolicited calls once your credit is pulled. This isn't something we do; it happens at the bureau level. With the current market shift, this practice is on the rise. Don't flood yourself with unnecessary calls, opt out today at Official Consumer Credit Reporting Industry website.
Remember, the best opportunities don't come around often. So get your running shoes on and let's get set and ready to seize this moment when the time comes. Why wait? Schedule that call today and let's plan for a rewarding future.
Looking forward to hearing from you soon.
THANK YOU FOR YOUR VOTES
We are officially the
Best Mortgage Lender in St. Augustine for 2024
REAL ESTATE TRENDS
Bring Traditions Inside for Fall🍂
As we transition into the season of pumpkin spice lattes and cozy throw blankets, we wanted to take a moment to keep you up to date on the latest home décor trends! As your dedicated Lending Partner for Life, not only do we passionately support you in the home buying journey, but we also love sharing insights that can help transform your house into a home.
Here's what design experts are raving about for Fall 2021:
Highlight Your Family Heirlooms: Heirloom pieces have stories that add depth and interest to your home. They are a charming way to bring a touch of the past into the present. Whether it is antique furniture, china, wall art, or even old books, do not hesitate to put them on display. This trend is sizeable wallet-friendly.
Explore Artisanal Elements: As people grow weary of mass-produced items, there is a shift towards a more artisanal, mismatched look. It is a fantastic way to sprinkle a touch of personality into your home. Plus, it can be easy on the budget — vintage kitchenware and dining items can be found everywhere from Etsy to flea markets.
Create Your Personal Café: 2024 has seen a significant rise in the 'Cafecore' trend, inspired by traditional coffee houses. Why not bring your favorite café home with you? Whether it is investing in a new Italian espresso maker or adding simple elements like a chalkboard or new curtains, this trend is all about creating a relaxing break room at home.
As always, our team is here to support you, whether you are buying a new home, refinancing, or looking for advice on annual trends. We are just one call or email away!
VROOOM!
Get Your Engines Revving for Some Great News! 🏎️
We have some exciting news about the auto market that could be beneficial for both current and prospective homeowners. If your clients are considering a vehicle purchase, there's never been a more ideal time!
Here’s the latest scoop:
New Car Prices Are Decreasing!On average, new cars are now going for about 97% of their sticker price, a significant improvement over 2022's higher markups.
Used Car Prices Have Dipped Too. They're down 23% from 2022 levels, although still 25% higher than pre-pandemic prices.
Save Big on Older Models. There are great deals on 2024 models and even better ones on 2023 models, as dealerships gear up to showcase the newest 2025 vehicles.
Truck Shopping? Chevrolet and RAM are offering deals - but make sure to check the details first!
Is an Electric Vehicle on Your Mind? While hybrids are still popular, EVs haven't been selling as fast. With a surplus of EVs on the dealer lots and more to come from formerly leased vehicles, it could be the perfect time to make a switch.
As your trusted lender, we're always looking for ways to help you and your clients make the best financial decisions. With vehicle prices finally coming down and rates staying competitive, there's no better time to invest in a new ride!
WATCH OUR RECENT ADTV EPISODE
featuring The Tasting Tours in St. Augustine!
PERSONAL FINANCES
Solo Retirement Planning
As your trusted lending partner for life, we are always looking for ways to help you make the most of your financial decisions. Today, we want to share with you some valuable insights on how to potentially lower your homeowners' insurance costs. Whether you're a first-time homeowner or have been in your home for years, finding the right strategies can make a significant difference...
Given the recent economic developments, you may have found yourself wondering about the potential of a looming recession. With at least six months of negative economic growth, a recession can indeed be a nerve-racking prospect. But fear not, we have some strategies that can help you prepare and ease your concerns. So, why not...
The glittering gold medals flaunted by the winners at the Summer Olympics are not entirely made of gold. They weigh approximately 529 grams (a little over 1lb.), or just under 19 ounces, but if they were 100% gold, they'd be worth a whopping $45,000!
The reality is, only six grams of said medals are actually gold plated. The rest consists of silver, and this year, a small bit of iron from the renowned Eiffel Tower was incorporated.
So, the monetary value of gold medals, in essence, is approximately $1,000. Quite a surprise, right?!
But the Intrigue doesn't stop there...
Even though the gold content isn't substantial, the resale value can skyrocket, especially for renowned athletes. A gold medal bagged by a lesser-known athlete can fetch anywhere between $15,000 to $30,000 at auction.
Renowned athlete's medals value? They're on a whole new level. Picture this - a gold medal won by Jesse Owens during the 1936 Games was sold for an astounding $1.5 million in 2013.
The take-away from this trivia? Value doesn't always equate to the material or appearance. Much like these medals, our partnership with you goes beyond the dollar figure. We see the value in long-term relationships, commitment, and mutual success. That's why we always say, we are your Lending Partner for Life.
Stay tuned for more interesting factoids and updates. Until then, continue to strive for your 'gold' - we are here to support you every step of the way!
The Future of Kitchen Lighting
Key Trends for 2024 🍋
As your Lending Partner for Life, we are committed to keeping you in the loop with trends that could add value to your home. Today, we want to draw your attention to an enlightening article from Yahoo Lifestyle about the direction kitchen lighting trends are heading in 2024.
According to designers, here are three exciting trends worth considering:
All Things Cozy: There's a shift towards more intimate and warm lighting options to create a cozy atmosphere like a living room. Think table lamps, fixtures with natural materials, and small-scale task lamps that you can move around as needed.
Vintage and Antique Lighting: The timeless appeal and craftsmanship of vintage pieces is a growing trend. Homeowners and interior designers are finding creative ways to integrate antique fixtures into modern spaces, adding character and warmth to interiors.
Visible Lighting: Decorative surface-mounted lighting in kitchens is gaining popularity. Think statement chandeliers and oversized pendants over kitchen islands. Another highlight includes "nightlight" toe kicks – a low-light glow on the bottom of kitchen cabinets for late-night water refills.
That said, the trend that’s on its way out is Overly Matching Lighting. Mixing up lighting in a kitchen is unique and lends to a curated, collected look.
No matter what lighting choices you make, the most important thing is that your kitchen feels right for you. After all, it's more than just a room; it's where memories are made.
Want Weekly Market Updates?
After receiving many requests, I have been sending Weekly Market Updates on Fridays to my realtor and referral partners. I have been fielding numerous calls asking for clarity on what is going on in the market from past clients, clients who are currently looking, and future clients who plan on purchasing in the not-too-distant future. If you or anyone you know would like to be added to my Weekly Market Update email, reply to this email, or use/send them the button below to start receiving this timely information!
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Holly Walther Lending Team, 3100 Interstate North Circle SE Ste 200, Atlanta, GA 30339, United States
