Happy Holidays from

My Family to Yours

2024 Year Review

As 2024 winds down, I find myself reflecting on an incredible year filled with adventures, challenges, and milestones. Helping wonderful clients like you has made every moment worthwhile. Thank you for being such a vital part of this journey! 💖

🌟 Milestones, Family & New Beginnings

This year has been one of profound growth. My mission to empower 2,000 women across the Southeast to achieve homeownership over the next five years remains at the heart of all I do. Your support brings that vision closer every day, and I’m truly grateful.

On the home front, our family has had big changes! Cole is now a Sandy Springs Police Officer 🚔, and Will is serving as a firefighter in Cobb County 🚒—I couldn’t be prouder! Jake is thriving in 3rd grade and loving soccer, baseball, and golf ⚽️⚾️⛳. CB took a new role as MES's Florida sales rep, balancing travel and office life. We even attended Aerial’s couples summit together—an inspiring experience I highly recommend!

💬 Living with No Regrets

Every connection and memory this year has been a reminder to live fully and with gratitude. Helping clients on their journey to homeownership fuels my passion, and living with no regrets has become our family motto.

🎉 Cheers to 2025

As we look ahead, my wish for you is a holiday season filled with warmth, laughter, and cherished moments. May 2025 bring health, happiness, and new adventures! Thank you for your trust, loyalty, and friendship—I couldn’t do this without you.

🌟 Reach Your Goal 🌟

Celebrate the Joy of Financial Freedom this Holiday Season with Us

Think financial planning feels mundane? You're not alone. However, imagine looking into the year ahead and seeing it filled with possibilities and the realization of your dreams. That perspective transforms financial planning into a truly exhilarating journey.

One of our mid-aged couples recently discovered how close they were to their retirement dream of owning a ranch. It was a mere quality-of-life analysis that brought them this good news. They had diligently saved and invested in their home and their children's education. So, why not you?

Picture this: An elderly lady, who had worked tirelessly and saved conscientiously for years, was astounded to find her nest egg amounted to a whopping $3 million! She was not only able to retire immediately in comfort, but also had the chance to bequeath a generous $1 million to her beloved charity. Such heartwarming stories are the results of consistent financial planning.

If your existing financial plan seems lackluster, let's change that together. Minor modifications, such as minor portfolio adjustments, updated insurance coverage, or variations in retirement contributions, could bring you significantly closer to your long-held dreams.

As you wrap up the year, let us be your guide in turning your financial plans into life-changing decisions. Remember, the power to transform your future lies in your hands today.

Here's to a financially stable and prosperous New Year!

🎄 Festive Finance 🎄

Navigating Your Homeownership Journey through the Holiday Season

We are absolutely thrilled to be a part of your journey towards homeownership - a journey that is, and always will be, filled with important milestones and decisions. As we embrace the sparkle and warmth of the holiday season, we can't overlook the fact that the New Year is just around the corner! If your aspirations include becoming a proud homeowner in 2025, we have some festive finance tips to share with you:

🎁 Stay Mindful of Your Holiday Spending: While it’s tempting to splurge during the holidays, keep in mind that keeping control of your expenses will contribute to your future financial security. Every penny saved today is a step closer to your dream home. Let's make room for joy without compromising on financial goals.

💰 Review Your Financial Health: Use the onset of the New Year as an opportunity to do a complete audit of your finances. We're here to guide, support, and help devise a financial strategy that suits your needs best.

📈 Work on Building a Strong Credit Score: A robust credit score can prove to be your biggest support in securing the best mortgage options.

🏠 Start Saving for Your Down Payment Now: Be diligent about setting aside a certain percentage of your income each month for your future home.

🔍 Research Mortgage Options & Get Pre-approved: Knowing your mortgage options and getting pre-approved for a loan will put you in a strong position when it's time to purchase your home.

🏡 Stay Updated on Market Trends: Keep your eyes open for changes in home prices and interest rates in your chosen locality.

Homeownership is a significant step, and preparing for it requires mindful planning and strategic decisions. By taking these steps this festive season, you're setting yourself up for a successful homeownership journey in 2025.

So, as we enjoy the jingling bells and twinkling lights, let's also remind ourselves of the milestones we're working towards. While it's indeed the season to be jolly, it's also the season to be financially savvy.

Remember, we're here to walk this journey with you - because we're not just your lenders, we're your Lending Partner for Life.

📈 Financial News 📈

Vibecession

There's no place like home for the holiday season, and we're here to remind you that we are your Lending Partner for Life. As we reflect on the year's events and look forward to 2025, we acknowledge the economic vibecession - the disparity between the actual economic data and the perception of consumers.

Our economy is growing - The data shows us that our economy is not in a recession, but instead, it's growing steadily.

Inflation has slowed significantly - Despite recent inflation, we're now seeing a significant slowdown, which is great news for all of us.

Unemployment numbers remain low - More Americans are maintaining their jobs, reinforcing the health of our economy.

Despite the economy's continuous growth and the significant slowdown of inflation, some still struggle to feel financially secure. We want you to know that we understand these concerns. We're here not just to assist with loans, but to also help navigate these complex economic waves. As your Lending Partner for Life, we prioritize your financial wellbeing and are here to support you in all your lending needs.

Whether it's buying your first home, upgrading your living space, or securing a better mortgage rate, we're here to make your dreams a reality. If you have any concerns or questions, our expert team is always ready to help.

Remember, every economic situation presents its own set of opportunities. Despite the challenges, let's embrace the new year with positivity and resolve to make the most of the opportunities ahead.

Did You Know? 

Why You'll Want to Check Out “The Work Number”

As we welcome the festive season and the final month of the year, we're shedding light on a little-known service that could have a significant impact on your professional life – The Work Number.

What is The Work Number?

If you're unfamiliar with The Work Number, you're not alone. Managed by Equifax, it's an employment verification system that provides a comprehensive record of your work history, known as an Employment Data Report (EDR).

Why Should You Care?

Your EDR not only verifies your dates of employment but may also include details about your wage and salary. This could be a factor in various situations like salary negotiations at work or even when applying for a new job. Imagine having a side hustle that suddenly isn't so secret anymore! But don't fret, you have the power to control who can view this information by freezing your EDR, much like freezing your credit report.

Take Control of Your EDR

Don't leave this invaluable piece of professional data unchecked.

Here's how you can review and manage your EDR:

1.      Visit The Work Number website.

2.      Click on the link at the top right corner that says, "Manage my Employment Data."

3.      Login and find your past or current employer. Can't find an employer? There's a hyperlink that will guide you.

4.      Once you've identified yourself, you can view your employment and salary history.

5.      Decide whether you'd like to freeze your information to protect it or leave it as is.

We hope this insight helps you stay in the driver's seat of your professional life. As your lending partner, we continuously strive to empower you with knowledge that goes beyond just financial advice.

Here's to a season of joy, warmth, and informed decisions,

Unwrapping Unique Gift Ideas 🎁

Make This Holiday Season Unforgettable

🍴 Holiday Recipes to Savor 🍴

As we cheerfully step into the festive month of December, we are excited to provide you with some fantastic culinary magic to spice up your holiday gatherings, provided by Harry & David.