Michael Thayer - Cadence Bank

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Michael Thayer - Cadence Bank

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11/15/2024

🥶 Are you team "everything in its perfect place" or team "just shut the door and hope nothing falls out"?

No judgment here—just a little fun on ! 🎉

Share your fridge personality below and let’s see how many “shovers” vs. “organizers” we have!

Bonus points if you’re tackling a fridge clean-out this weekend! 💪

11/14/2024

Let's be real - packing and moving is the not-so-fun part when relocating... and can be even harder with kids. 👩‍👩‍👧‍👦

So, here are 6 creative ways to involve them in the process:

1. Treasure Hunt
2. Moving Day Party
3. Create a Scrapbook
4. Decorate Moving Boxes
5. Room Design Planner
6. Goodbye and Hello Letters

Please share with someone you know who may be relocating this summer!📦🏡

11/13/2024

Sometimes, change is exactly what we need to move forward. 🏡

If you’ve been dreaming about a fresh start—a new space to grow, create memories, or simply feel at home—there’s no better time than now.

Let’s turn those plans into a reality and find the perfect place for your next chapter. 💕

11/12/2024

Ready to uncover the secrets to saving big on your mortgage?

Here are 5 insider tips to help you keep more money in your pocket:

1️⃣ Boost Your Credit: A higher credit score often means a lower interest rate.

Work on improving your score to save over the life of your loan.

2️⃣ Shop Around: Not all lenders offer the same rates. Take the time to compare options to get the best deal possible.

3️⃣ Refinance at the Right Time: Refinancing when rates drop could mean thousands in savings—just make sure the timing is right for you.

4️⃣ Make Extra Payments: Even small additional payments can reduce your principal and shorten your loan term, saving you interest.

5️⃣ Avoid PMI with 20% Down: If you can, aim for a 20% down payment to skip the extra cost of private mortgage insurance (PMI).

Ready to put these tips to work? Let’s talk strategy! 📊

11/11/2024

Today, we honor those who served, who sacrificed, and who gave everything to protect our freedom.

Veterans, we owe you more than we could ever repay.

Thank you for your bravery, your dedication, and your unwavering spirit.

11/08/2024

Ready to snag a great deal on a home but feeling hesitant about interest rates? 🏡

Don’t let rates hold you back from homeownership!

Here are 3 ways to potentially lower your interest rate:

1️⃣ Ask for a seller-paid 2/1 buydown – This option could temporarily reduce your rate for the first couple of years.

2️⃣ Buy discount points – Investing in points upfront can reduce your rate over the life of the loan.

3️⃣ Consider a larger down payment – Putting more down may also help secure a better rate.

However, before jumping into any of these options, connecting with us to break down each scenario to see what truly benefits your financial goals and family needs is essential.

Let’s explore the possibilities together and find the best path for you!

11/07/2024

Thinking about buying a home? 📅

Here’s why the end of the year is often the best time to lock in a deal:

🔹 Less Competition:
With fewer buyers actively searching during the holidays, you face less bidding competition—meaning better negotiating power and potentially lower prices.

🔹 Motivated Sellers:
Many sellers want to close before the year ends for tax purposes or personal reasons, which often leads to more willingness to negotiate on price.

🔹 Market Data Backs It Up: According to housing market research, November and December have historically shown lower home prices compared to peak spring and summer months.

Some studies even suggest buyers can save up to 5-10% on home prices in these months!

Starting the new year in a new home (and saving money) is a win-win!

Ready to explore your options?

Let’s talk about your next move. 🏡

11/06/2024

Thinking of buying your first home before the year ends? 🏡

Good news: the last two months of the year can be an ideal time!

With less competition and motivated sellers, you may find that perfect home you’ve been waiting for.

Plus, starting the new year as a homeowner?

Now that’s a resolution worth celebrating!

11/05/2024

Curious about how presidential elections influence mortgage rates? 📊

The data shows that, historically, there’s no consistent pattern when it comes to rates rising or falling during election years.

Instead, factors like inflation, the global economy, and Federal Reserve policies have a much stronger impact on mortgage rates than the election outcome itself.

In fact, the Fed’s policies play a bigger role in shaping the economic climate and the cost of borrowing.

So, if you’re worried about how this election might affect your home-buying power, remember that the Fed—not the President—guides economic stability and rate trends.

With today’s rates still historically low, now might be a perfect time to explore your options!

Let’s talk about your goals and find the right plan for you, no matter the election result. 🏠

11/04/2024

📝 Prepping to buy a home? Start with these 3 essentials:

1️⃣ Set a budget and stay committed to it. Knowing your financial boundaries helps you focus on homes within reach.

2️⃣ Connect with a trusted mortgage advisor (^insert us^) as we can guide you through the mortgage planning process and answer all your home budgeting questions!

3️⃣ Take a moment to review and adjust your financial goals. Make sure everything aligns with your dream of homeownership both now and in the future.

Ready to make your home-buying journey smooth and stress-free?

Drop a 💬 if you have questions or need more tips!

Address

5217 Maryland Way
Brentwood, TN
37027

Telephone

+16155855900

Website

https://cadencebank.com/michaelthayer

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