June in Bloom:

Keys, Closings & Opportunities

 Empowering 2,000 Women and Families to achieve homeownership in 2025 

Breaking Barriers, Building Dreams – Helping 2,000 Women and Families Become Homeowners in 2025!

 Do You Know Someone Ready to Buy a Home?

At the heart of our mission is a deep commitment to empowering women and families on their journey to homeownership. While you’ve already taken that step, you might know a friend, family member, or colleague who dreams of owning a home but doesn’t know where to start.

In 2025, our goal is to help over 2,000 women and families achieve this dream. By providing expert guidance, support, and resources, we’re breaking down barriers and making homeownership more accessible than ever.

If someone you know is ready to take the next step, we’d love to help! Send them our way—we’ll walk alongside them every step of the journey.

Let’s make homeownership happen—together

Times are tough right now, especially for those with high interest debts. What if I told you that by using your mortgage to your advantage, you could eliminate your revolving debts and have more money in your pocket every month? Use some or all of that extra cash to make additional principal payments, shorten the length of your mortgage, pay less in interest over time, and own your home sooner. Even with a higher interest rate, you could potentially shorten your term and build your wealth faster than you are right now. 

PERSONAL FINANCES

Thinking About Diversifying? Consider Municipal Bonds

If you're looking to diversify your investment portfolio or support local community projects, municipal bonds—often called "muni bonds"—might be worth exploring.

What Are Muni Bonds?
Municipal bonds are debt securities issued by local governments to fund public projects such as:

• Schools

• Hospitals

• Roads

• Infrastructure improvements

When you buy a muni bond, you’re essentially lending money to help build these community assets.

Why Investors Like Them:

• Fixed interest payments – paid regularly

• Principal returned at maturity

•  Tax advantages – many offer federal, and sometimes state, tax-exempt interest (source: SEC.gov)

Two Main Types:

General Obligation Bonds:

• Backed by the full faith and credit of the issuer (city, county, or state)

• Not tied to specific assets

Revenue Bonds:

• Repaid through revenue from a specific project (e.g., toll roads, lease fees)

• Not backed by taxes

Ways to Invest:

• Online bond market platforms

• Municipal bond mutual funds or ETFs

• Over-the-counter (OTC) purchases

• Unit investment trusts (UITs)

• Through banks and credit unions

A Note of Caution:
While muni bonds are generally considered low risk, they’re not risk-free. Always do your due diligence—or speak with a trusted advisor—before investing.

The Mountain Is You: Transforming Self-Sabotage Into Self-Mastery

Brianna Wiest

Unraveling the Book: Your Biggest Enemy? It’s You.

You keep running into the same problems, the same struggles, the same self-doubt. Ever feel like no matter how hard you try, you always end up right back where you started? That’s not bad luck—it’s self-sabotage. But here’s the truth: you are not broken. You’re just stuck in old survival patterns that are keeping you small.

Brianna Wiest’s The Mountain Is You is a deep dive into why we hold ourselves back—and how to finally get out of our own way. This isn’t about toxic positivity or "just manifesting" your dream life. This is about real, hard, necessary self-work. Ready to break the cycle? Let’s climb. ⛰️🔥

The Essence (80/20): Rewiring Self-Sabotage

Self-Sabotage = Misguided Self-Protection
You're not failing because you're weak. You're stuck because your brain thinks it's keeping you safe. Growth = unknown, and the unknown feels dangerous. But just because it’s uncomfortable doesn’t mean it’s wrong.

Your Emotions Aren’t Facts
Your brain will convince you that discomfort = danger. Nope. It’s just growth. Learn to sit with your emotions, understand them, and stop making decisions based on fear.

The Patterns Reveal the Problem
If the same issue keeps showing up in your life—bad relationships, money struggles, procrastination—it’s not a coincidence. It’s a lesson you haven’t learned yet. Spot the pattern, break the cycle.

Healing Isn’t Pretty, But It’s Necessary
Letting go of old identities is painful. Facing your fears is brutal. But here’s the deal: if you want to step into the next level of your life, you have to let go of the version of you that’s holding you back.

Your Mindset = Your Reality
You’re not "stuck"—you’re just living out old programming. The moment you start thinking and acting like the person you want to become, you start shifting your entire life.

MORTGAGE IQ

Thinking About Buying? Rentvesting Might Be for You!

If you're dreaming of homeownership but not quite ready to settle down—or if your ideal home feels out of reach—you might want to explore a smart alternative: rentvesting.

What is Rentvesting?

• Rentvesting means buying an investment property while continuing to rent where you live.
• It's a strategic way to enter the real estate market and start building wealth sooner.

Why Consider It?

• Build Equity: Let rental income cover most (or all) of your mortgage.
• Long-Term Growth: Real estate often appreciates over time, increasing your net worth.
• Additional Cash Flow: A well-managed property can generate monthly income.
• Expand Faster: Already own a home? A second property can fast-track equity growth.

What to Keep in Mind

• Choose Wisely: The right location and property reduce tenant gaps and improve returns.
• Management Matters: Whether you DIY or hire a property manager, you’ll need to budget for:
  • Maintenance
  • Property taxes
  • Insurance

Ready to Explore Your Options?

Let’s talk about how rentvesting can fit into your financial strategy. We’ll walk you through the financing options and help you make a plan that supports your goals.

 Hello Summer from the Holly Walther Lending Team! 

Helping you finance dreams, one season at a time.

Summer is here, and whether you're lounging poolside or planning the ultimate staycation, we’ve got you covered! As your trusted mortgage team, we’re more than just home loans—we’re here to support your lifestyle all year long. Check out our top tips for a fun, safe, and stress-free summer:

Summer Home Maintenance Must-Dos
Protect your investment with a quick seasonal tune-up:

• Check your HVAC – Change filters and schedule a service before the real heat hits.
• Inspect for leaks – Check outdoor faucets and hoses for winter damage.
• Clean gutters & downspouts – Summer storms can cause clogs fast.
• Seal windows and doors – Keep cool air in and energy bills down.
  
  

Water Safety Tips for Families
Whether you’re at the lake or in your backyard pool, safety comes first:

• Always supervise young swimmers – No exceptions.
• Avoid distractions – Especially phones near the water. 
• Teach water rules early – Like “no running” and “feet first.”
• Know CPR – Seconds matter in emergencies.
  
  

Fun Things To Do With the Kids
Keep them active, engaged, and (mostly) off the screens:

• DIY backyard art projects – Think sidewalk chalk and water painting.
• Camp at home – Pitch a tent in the backyard or living room.
• Visit your local library – Most offer free summer reading programs.
• Science in the sun – Simple experiments like vinegar & baking soda volcanos.
  
  

We’re Here for You This Summer and Beyond!
Thinking of refinancing, moving, or helping a loved one become a homeowner? Let’s chat! We’re just a call, click, or coffee away.

REACH YOUR GOALS

The Return of the Buyer’s Market

More Homes. Better Deals. A Great Time to Buy

Good news for homebuyers: after several years of limited listings and seller-driven prices, the market is shifting in your favor—especially in warm-weather states! Here's what we're seeing:

Where the Market is Opening Up

• Arizona: Inventory is growing in Phoenix and Tucson, giving buyers more choices.
• Texas: 7 metro areas now have more homes for sale than they did in 2019.
• Florida: 6 metro areas are seeing inventory bounce back.
• Colorado: Two metro areas are showing early signs of a buyer’s market.

Falling Prices, More Bargains

• Median home prices fell in March 2025:
  • Tucson: ▼ 1.3%
  • Dallas: ▼ 1.4%
    
  • Cape Coral: ▼ 7.4%
• Condos, especially in southern states like Florida, are down 4.5% year-over-year.

Builder Incentives Are Back

• 29% of builders are cutting prices on smaller, more affordable homes.
• 61% are offering buyer incentives like rate buydowns, upgrades, or closing cost help.
  (Source: National Association of Home Builders)

Thinking about buying—or know someone who is?
Let’s talk strategy! The Holly Walther Lending Team is here to help you, or your clients make the most of this market.

Did You Catch the Holly Walther Team on ADTV?

Celebrating Father’s Day: Honoring the Pillars of Our Homes

Father’s Day – Sunday, June 15^th

As June blooms with the promise of summer, we pause to celebrate one of life’s greatest blessings: our dads. Whether they're biological fathers, stepdads, grandfathers, or father figures, these men shape our families with strength, wisdom, and heart. At The Holly Walther Lending Team, we are filled with gratitude for the fathers in our lives—those who lead with quiet courage, teach through example, and love without condition.

We see how dads shape our communities, protect our dreams, and build homes filled with laughter and security—and we love them for it.

Did You Know? Fun Father’s Day Facts

Here are a few things you might not know about this special day:

• Father’s Day became a national holiday in 1972, after decades of advocacy by Sonora Smart Dodd, who was inspired by her Civil War veteran father who raised six children on his own.
  (Source: History.com)
• Today, more than 72 million men in the U.S. are fathers, and around 2 million are single dads doing double duty every day.
  (Source: U.S. Census Bureau)
• Most popular Father’s Day gifts? Greeting cards, special meals, and tools for grilling or home improvement top the list. But the most meaningful gift? Time and appreciation.
• Father’s Day spending in the U.S. is expected to exceed $20 billion, as families find special ways to say “thank you” to the men who mean the most.
  (Source: National Retail Federation)

From Our Family to Yours

At The Holly Walther Lending Team, family is at the heart of everything we do. We believe strong homes are built not just with bricks and beams—but with love, leadership, and support. This Father’s Day, we honor every dad who helps build those foundations in the lives of the people they love.

Whether you’re celebrating your father, remembering one who’s passed, or being one yourself—we see you, we appreciate you, and we celebrate you.

Happy Father’s Day from our family to yours. 

Let us know how we can help support your home and your future.

🍓🍋 Summer Breeze Frosé

A Refreshing Frozen Rosé Cocktail to Kick Off Summer

Say Hello to Summer with this bright, chilled cocktail that blends strawberries, lemon, and rosé into the ultimate patio sipper. It's quick to make, Instagram-worthy, and guaranteed to impress your friends (or clients!).