Tim Church Senior Mortgage Loan Officer

Tim Church Senior Mortgage Loan Officer I can help you with all of your mortgage questions and needs at Independent Bank.

Time for an industry update: Housing is doing remarkably well, leading the overall economic recovery. After the spring's...
09/28/2020

Time for an industry update: Housing is doing remarkably well, leading the overall economic recovery. After the spring's plummet, housing has rebounded significantly and when charted, forms a clear V shape. Home sales and new construction were very strong this summer. Plus, recently released numbers show record-breaking gains in home values. That could mean many thousands in equity growth for homeowners. With strong markets and low rates, now's still a great time to buy, sell or refinance. If you'd like to talk about your opportunities, please reach out. I'm happy to help.

The Fed affirmed their commitment to continue supporting low rates through bond purchases at their June meeting. Even th...
06/12/2020

The Fed affirmed their commitment to continue supporting low rates through bond purchases at their June meeting. Even though they didn't cut policy rates (which are already near zero), mortgage rates dropped anyway. In some cases, they may be even better than prior lows. We are helping current owners and buyers save money in today's environment. Please reach out or comment below if I can help you.

Like everything else, mortgage rates are a little different in 2020. They're again approaching historic lows. Now more t...
06/11/2020

Like everything else, mortgage rates are a little different in 2020. They're again approaching historic lows. Now more than ever, individual situations are influencing the final offered rate—some clients are getting even better rates than they're expecting. Savings opportunities are out there on a purchase or refi. Please comment below or reach out if you want to know more.

If you're in need of mortgage assistance, you may be able to set up a forbearance plan—or delay payments—thanks to the C...
04/14/2020

If you're in need of mortgage assistance, you may be able to set up a forbearance plan—or delay payments—thanks to the CARES Act. You'll need to reach out using the contact info on your loan statement to set it up. There's more to consider than just next month's payment, though. Be sure to make plans for making up the payments later in a way you'll be able to afford. Reach out or comment below if you'd like to learn more.

03/06/2020

The Fed just gave the economy some hand gel! They cut policy rates by a half point in an unusual step to restore calm and provide market stimulus among coronavirus-spurred volatility. It's sort of like they're saying, "We see you're worried. Here's a little something to help." The Fed rate cut does not directly impact mortgages. In fact, mortgage rates had already fallen and are at historically low levels. If you lock in a low rate for a purchase or refi in this environment, you'll essentially establish for yourself a comparatively low cost of housing for as long as you keep your loan—maybe decades. Let me know if you want to talk about it.

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Bath, OH
48420

Telephone

+19894889618

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