The Truth and Lending Team

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The Truth and Lending Team We are residential mortgage bankers. Mortgage Whisperers, some have said mortgage ninjas, able to close loans in a single submission! nmls #193027

Thank you Decatur for voting us into the finals for best Mortgage Lender. Please vote if you haven’t yet, and thank you ...
10/17/2026

Thank you Decatur for voting us into the finals for best Mortgage Lender. Please vote if you haven’t yet, and thank you for those who have voted for us, we love our community and our neighbors!

https://www.decaturish.com/best_of_decaturish_2026/ #/gallery/?group=557010

homebuyersdecatur

Leverage is the new lower interest rate! There are so many deals out there and sellers willing to work with you. So I gu...
10/14/2026

Leverage is the new lower interest rate! There are so many deals out there and sellers willing to work with you. So I guess my question is why not now? Have you looked at all the possibilities and options before deciding to buy? It might be a good time or not but until you run some real numbers with a mortgage expert like us you may not have the real answer. Feel free to reach out for advice and guidance and if it’s not the right time we will help you make a plan. bringing truth to lending since 1998!

Yes, rates are higher right now. We’re not going to pretend otherwise. But that doesn’t mean there aren’t opportunities ...
10/14/2026

Yes, rates are higher right now. We’re not going to pretend otherwise. But that doesn’t mean there aren’t opportunities out there.
Fewer buyers competing, more sellers willing to negotiate, and options like seller concessions and rate buydowns can make a bigger difference than you might think.
You can’t negotiate with the bond market, but you CAN negotiate with a motivated seller.
The goal isn’t to wait around for the perfect market. It’s knowing how to make this one work for you.
Whether you’re buying, selling, or helping someone who is, let’s talk about what’s possible!

There is plenty we don’t know.We don’t know exactly where mortgage rates will be six months from now. We don’t know what...
10/07/2026

There is plenty we don’t know.

We don’t know exactly where mortgage rates will be six months from now. We don’t know what the next economic report will say or when the market will shift.

But we can know your credit. Your income. Your savings. Your comfortable monthly payment. What homes are actually selling for. What concessions sellers are offering. And what options are available today.

Don’t let what you can’t predict keep you from understanding what you can.

Sometimes clarity is the first step—not buying or selling.

Rates are back in the 7s, so let’s talk about something I think gets overlooked.Sometimes the best negotiation isn’t jus...
10/06/2026

Rates are back in the 7s, so let’s talk about something I think gets overlooked.

Sometimes the best negotiation isn’t just getting the price lower. It’s figuring out how to lower the payment.

Here’s an example:

🏠 $1M purchase
💰 20% down
📄 $800K loan
📈 Market rate around 7.375%

Now let’s say we negotiate a seller contribution:

$16,000 toward the rate could get it around 6.75% and save roughly $337/month.

$28,000 toward the rate could get it around 6.50% and save roughly $469/month.

That’s where the conversation gets interesting.

If I’m working with the buyer, I want to know: What monthly payment are we trying to get to? Then we can work backward and see what options might get us there.

And if I’m the seller, before dropping the price another $20K or $30K, I’d want to know what those same dollars could potentially do for the buyer’s monthly payment.

It won’t work the same on every loan or every deal, but that’s why you run the numbers.

Sometimes the opportunity isn’t in the price.

It’s in how the deal is structured. We’re here to help you figure it out. Message us to see if now is a good time for you!

Agents, this is an hour you’ll want on your calendar.This Thursday, Rachel and I are joining appraisal expert Kelly Ried...
10/05/2026

Agents, this is an hour you’ll want on your calendar.

This Thursday, Rachel and I are joining appraisal expert Kelly Riedinger to talk through the appraisal changes facing our industry, real-world scenarios, and the questions you’re asking.

Hear directly from an expert, bring your questions, and join us from the comfort of your home or office. No Atlanta traffic required.

Thursday, October 8 | 10–11 a.m. | Live on Zoom

Scan the QR code on the flyer, or follow the registration link here:
https://form.jotform.com/262664089490164

We’re looking forward to seeing you Thursday!

10/05/2026

As women in mortgages and real estate why do we need to remind ourselves that our success and self worth isn’t determined by our production! I spent too many years fulfilling myself from my outside successes! Today I say enough, we are so much more than that. We are magnificent, multidimensional beautiful beings and we get to determine how we define success. Our life our choice! Don’t get me wrong, I love what I do, I love helping people, and I also love writing, singing, traveling, exploring and being with my family and friends! Being the light to others is great, just remember be the light to yourself too! Life is one grand adventure! You are amazing and in case you don’t believe in yourself today, I believe in you! You got this! 💪❤️🫶🏻

10/03/2026

Note to self - Follow your dreams! I was able to meet up with Kay Cooke from in the Cotswolds to start working on my book! Thanks to Delta points and Amex, this might be the best deal and one of the best trips yet! We booked tickets when Delta had a flash sale, 45k points in main cabin to London. I used two global upgrades that were expiring by year end and we got upgraded into Premium Select on the way here. Heading back Delta upgraded us to Delta One. So now I’m sitting in this lovely Virgin Atlanta/Delta One Lounge! The elevator up was the first pic me being silly and excited, so posh! Ha!

So I got to meet up with Kay to start my book, be on her Happy Brain Co podcast, meet a long lost cousin, visit the oldest castle in Europe, eat in a 17th Century barn in the Costwolds called Salutation Inn, see Jane Austen, Mary Shelley, and T.S Elliots house, visit a floating bookstore (best ever!) and enjoy all the sites and delicious food, all of this for $129 each including tax! Got to love Delta and American Express! Special thanks to my husband for always supporting my crazy ideas (maybe not so crazy!) and to my team and and family for having my back while I was out! ❤️❤️❤️

09/30/2026

Thank you and for having me on the Happy Brain Podcast! Excited for all the big things coming from our trip across the pond!

The right home can take time to find. Your rate doesn’t have to stay a question mark while the search continues.Lock & S...
09/25/2026

The right home can take time to find. Your rate doesn’t have to stay a question mark while the search continues.

Lock & Shop is one option worth talking through before the right home comes along. Have a search in progress? Send me a message and we’ll see if it’s a fit.

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664 Seminole Avenue # 101
Atlanta, GA
30307

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