Marcy Lowe-Guild Mortgage

11/02/2021

Still thinking about how much money you could save by refinancing your home? Refinancing your loan for a potentially lower interest rate or payment is possible and we can help! Let's talk.

11/02/2021

A loan can be simple!!

There I said it...LOL. But in all honesty, there are certain things you can do to make the process of obtaining a mortgage smoother and easier for everyone involved. Getting pre-approved is definitely the best first step when you are ready to start house hunting!

And your credit score and your debt are super important in that process. Here is some great information on what affects your credit score and tips to help you establish a great credit score :)

10/27/2021

One of my favorite past times when the days get shorter and the weather outside gets colder is to read a good book ❤️ anyone have a favorite they think I need to read ??

and my genre list is pretty expansive !

In fact , I often have several books going at once 😂😂 I’ll have a good Christian book I read from in the morning , a self development book because this thing called “life” doesn’t come with a manual 😂 I usually have at least one business or leadership book going , I have WAY TOO MANY recipe books , and I love a good murder mystery or physiological thriller for causal reading ❤️❤️

Some of my favorite Christian Female Authors are Lysa TerKeurst and Joyce Meyers, my favorite leadership author is John Maxwell, I think everyone should have to read the old classic “Think & Grow Rich” at least once, a book I think ALL women (especially young mommas) should read Is “Grace, Not Perfection” by Emily Ley, and there is not a good mystery author I won’t read at least one book from !!

10/26/2021

It’s a rainy fall day in MT… which makes me ready to fire up the stove !! So I’m going to combine 2 of my fall favorites … lattes and food ❤️❤️
Share your favorite fall recipe in the comments below to be entered to win a Starbucks gift card for a from me 😊 and I’ll share mine later today in the comments ❤️

10/25/2021

Are you currently renting and thinking of buying?

Here are some great pointers and tips on why buying is advantageous to you, some do's and don'ts of homebuying,
a house hunting list to fill out before you start, tips for a smooth closing , and a super helpful moving list!

10/11/2021

If you’ve got debt, you’re not alone. The average American has about $80,000 in debt, excluding home mortgages. And unfortunately because so many of us live paycheck to paycheck, unexpected or unplanned debt such as medical bills or credit card balances can be a tipping point into financial insecurity. I am sure many of you are familiar with the saying "Almost everyone is three bad months away from being homeless, but almost no one is three good months from being a millionaire!"

Financial security starts when you DECIDE to take responsibility for your financial security.

I encourage you, if you don't have a budget set up now is the time! And if you have debt and you don't know where/how to start to pay down debt faster, these 2 graphics keep it simple and will help get you on your way! And I love the 50/30/20 budget approach...and I feel like anyone can follow this. So let's get started!

1)Make a list of all your debt.

Before you start paying off debt, tally how much debt you have. Make a list with this information for each bill you owe.

The details you need to know about every debt:

Debt name/account
Type of debt (credit card, student loan, etc.)
Balance
Interest rate (some debt is more expensive, i.e., has a higher interest rate, than others)
Payment terms/length
Minimum monthly payment
Figure out the maximum you can pay every month.

2)Then Review your budget and answer these questions:

How much do you need to pay for necessities such as rent/mortgage, insurance, utilities, and food? This is your 50%

How much do you currently pay each month toward debt?

Can you temporarily trim a few budget items to put even extra toward debt?

Trim a little from your "wants" and "needs" funds to put towards debt payment.

And any extra income—tax refund, side hustle, things like that—to put more toward debt.

Sometimes debt can be good to help you build a credit score or accomplish goals—such as buying a house—that would be hard to do without a loan. But lots of extra debt can weigh down your credit score and add up to interest you didn’t want to pay.

So pick a debt repayment strategy that works for you and celebrate every extra payment—and every debt pay off, too.

10/05/2021

Great news!

Guild will be increasing our conventional conforming loan limit from $548,250 to $625,000 effective for new rate locks as of Wednesday, October 6, 2021!! Loans for 2–4-unit properties, and loans in Alaska and Hawaii will also increase.

What does that mean for you? That means if you are sitting in a jumbo loan, it's possibly a great time to refinance and improve your interest rate! OR if you are looking to purchase a new home...your conventional loan limit is now higher, giving you more buying potential at the lower rates!

Connect with me if you want to find out what's right for you and your mortgage :)

*This applies to only FNMA and FHLMC loans at this time.

07/19/2021

Every once in a while a change comes along that helps make refinancing a win/win!! Let me know if you are in the market to refinance and I can run some numbers and tell you how this latest reduction in refinancing fees may help you :)

This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.

07/13/2021

The Quality of Life Run is back LIVE for 2021 and we need your help to make it the best event ever!

We encourage you to become a member of the "Quality of Life" Club! This will help demonstrate that Realtors and Affiliates care about our community and support the nonprofits working to improve quality of life for those living here.

Your donation of $100 or $250 will support the Montana Rescue Mission's efforts to build affordable housing on the second floor of the Men's Shelter located on Minnesota Avenue. Quality of Life funds will help some of the most vulnerable of our community move from homelessness to permanent housing.

This year's Run is Saturday, August 14, 2021, and your donation covers your entry fee if you wish to participate. In addition, checks can also be mailed to the Billings Association of REALTORS®

Donor names will be listed in the race packets and on our website. You also will be allowed to vote for next year's beneficiaries.

Remember, your $100 donation covers your run entry fee if you wish to participate, but you still need to register for the run our registration, here is the link:
https://runsignup.com/Race/MT/Billings/QualityofLifeRun

Thank you for your support of Quality of Life & Montana Rescue Mission.

Any questions, please direct them to: [email protected]
at the BAR Office!!

06/29/2021

When you get a txt that makes your whole week ❤️ and it pretty much tells you that you’re in the right place , doing the right “things” and that the people you work for actually “ feel” that passion you have for helping them in their mortgage experience ❤️❤️ and the bonus is it doesn’t have to be “ugly” or painful 😊 😂

06/24/2021

FYI tip on Interest Rates

Inflation - great for tires, not so great for low rates. Inflationary pressures are another main factor that affect home loan rates!