I am so excited to announce I have received the CMPS designation to continue to provide our clients and their families the best!

What is the CMPS and why would you care?

CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals can better advise you in several areas outlined below.

The Certified Mortgage Planning Specialist (CMPS) designation is the most widely recognized mortgage planning designation in the industry.

But why does this matter?

• CMPS professionals are well-equipped to help mortgage and real estate customers make informed decisions. They understand the tax implications of various mortgage strategies, as well as why housing and financial markets fluctuate and how these markets work.

• CMPS professionals are also trained in cash flow planning for both homeowners and buyers. They can help reduce debt, improve cash flow, and identify potential opportunities for retirement, college funding, elder care, and other life events.
• For real estate investors, CMPS professionals can compare and evaluate the impacts of different mortgage strategies on their rate of return so they can be sure to make the best decision for their investments.

Mortgage planning is a process that requires careful consideration. Your mortgage is often your single largest debt, and your home is often your single largest financial investment. Here at the Holly Walther Lending Team, we want to be your Lending Partner for Life. It is important to us, that we research the various options available so you can identify the strategies that will work best for you and your goals. With the right guidance, you can make sure you get the most out of your mortgage and maximize its potential to help improve your financial position….and we will ALWAYS be here to help!

Grateful,

Holly

Market Data Update as of 2.10.2023

As the markets continue to digest the blow out jobs report from last week (labor markets showed 517,000 new jobs created when the market anticipated 175,000) we saw mortgage rates move up from the lows the week before. 

The 30 Year Fixed Mortgage touched just under 6% last week and now moved back up to 6.375%. Undoubtedly, this sting, as we were starting to see what we have been calling for months, mortgage rates coming down in the early part of 2023, on the back of lower inflation. However, this may not be a bad thing, as we were starting to see the housing market pick up speed like that of 2022, creating a ton of pressure on a very under supplied market. 

Supply has been out of balance for months, with rates falling, demand was heating up and creating an environment like what was experienced over the Spring/Summer season of '21. We still firmly believe mortgage rates will land somewhere in the low 5's high 4's, sometime this year. However, the path there will be rocky, as we just witnessed. Moving down too quickly would not serve the greater cause, which is creating a balanced market. 

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Month in Review

Here are some key points from the February Market Report Video

• RATES & BUYER DEMAND: Mortgage rates below 6.5% have created good buyer demand.

• FORECLOSURES: Experts aren't calling for a foreclosure crisis like during the housing bubble. 

Hello February - the month known for love! February isn’t only about Valentine’s and sweethearts; it’s also about fostering relationships with family and friends.  In celebration of this special month, we want to extend our deepest gratitude to our amazing clients and realtor partners who have trusted us with their continued support. Thank you for your feedback and testimonials as they serve as a guiding resource. Your satisfaction is our primary goal. It is an honor and a privilege to have the opportunity to work with you and to help turn your dreams into a reality! Click the video below to watch some testimonial love! 

Vote for the Holly Walther Lending Team

WE MADE IT TO THE FINAL ROUND!

Please vote for the Holly Walther Lending team! You can vote 1 time every day per email starting February 15th until March 15th. Click the link below for out page in the Best Mortgage Lender section. 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's dreams come true! The team and I thank you for your support.

Man Crush Monday

We are so excited to introduce you to Cecil Mabry, our #MCM for February!! 🙌

✨Cecil has been a REALTOR® for almost 6 years now.

🏗️A childhood surrounded by farms and new construction instilled a devotion, love, and respect for land and all things real estate.

🏘️ After a long and successful career as an Operations Teams Leader for a major U.S. corporation, Cecil found that real estate was his great passion and chose to leave the corporate world. He embarked on an exciting new career in real estate. His skills in communication, negotiation, problem-solving, adaptability, and knowledge of the industry proved to be invaluable.
 
🤝In his 6-year career as a REALTOR®, Cecil has used his expertise by helping dozens of families sell their home/land for top dollar. He has assisted first time home buyers with their first big investment and families ready to expand to accommodate their growing family. Whether you are selling, buying, downsizing, or relocating, Cecil Mabrey is one of the best in the business.

Contact Cecil Mabrey! Info below. 👇

➡️Atlanta Fine Homes Sotheby’s International Realty
➡️ 678-313-6007
➡️ Cecilmabrey@atlantafinehomes.com

Woman Crush Wednesday

We are so excited to introduce you Cristina Bramblett, our #WCW for February!! 🙌

🏡 As a dream home matchmaker, Cristina is fully invested in her client's best interest in every aspect of the buying and selling process.

🤝Cristina easily connects with people and serving comes naturally to her. She has the unique ability to stay business minded in negotiations while using her resourcefulness to meet the needs of her clients.

✨As a proud member of the Janice Overbeck family, Cristina embodies the values of hard work, integrity, and outstanding client service.

👨‍👩‍👧‍👦Cristina’s clients become a part of her family. And like a member of her family, her buyers and sellers can expect exemplary communication, authenticity, and respect.

Check in each week to learn more about Cristina! 🙌

Contact Cristina! Contact info below.👇

Cristina Bramblett Realtor®, Janice Overbeck Real Estate Team, Keller Williams
➡️ 404-882-7755 

➡️ Office: 404-585-8881 

➡️ cristina@janiceoverbeck.com 

➡️ www.janiceoverbeck.com

Vendor Spotlight

Ready to meet our Vendor Spotlight of February?! Meet Susan Palace, owner of Susan Palace Wellness.🙌

✨ Susan helps people reach their “happy” weight.

☀️ She helps them create a lifestyle of purpose, energy, and well-being.

👏 She also practices these strategies daily and teaches them to her family, students, and clients with amazing success.

Want to connect and access wellness resources!
 
Here’s How:  👇
➡️ Visit www.susanpalace.com (check out the recipes!)
➡️ Set up a complimentary Wellness Call by filling out a brief wellness assessment:  https://www.susanpalace.com/wellness-assessment
➡️ Text Susan at 404-394-3985 and mention Holly Walther Lending Team to receive a free e-book
➡️ Visit and follow SusanPalaceWellness on Facebook and Instagram

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.