Michael Ham NMLS 174605

08/08/2026

33!

06/19/2025

5.0 star review received on Experience.com for Michael Ham by Elizabeth A - It was a pleasure working with Michael during our home buying experience. He guided us through the entire process which made it seem less daunting. He was very professional and friendly at the same time.

Click to see all 335 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

06/19/2025

5.0 star review received on Experience.com for Michael Ham by Octavio A - We were buying a 2nd home which made the process a little more complex. The advice and guidance we received from Michael Ham was exceptional. The high level of communication we received from the whole team (Sherri, Maggie) made us feel comfortable that we were well informed.

Click to see all 334 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

03/05/2025

5.0 star review received on Experience.com for Michael Ham by Taylor P - Great overall experience. Everybody was more than happy to help along the entire process and answered any and every question I had.

Click to see all 333 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

01/30/2025

Hey everyone, big news from the Federal Reserve yesterday!

After cutting rates three times last year, the Fed has decided to pause rate cuts for now, leaving the federal funds rate at 4.25%–4.5%.

Now, while the federal funds rate isn’t the same as mortgage rates, it can influence them, along with rates on things like credit cards and car loans.

Here’s what Fed Chair, Jerome Powell, had to say about inflation: He mentioned that inflation has made progress, but prices are still higher than they’d like—just above their 2% target.

Political pressure is also a big factor. President Trump is pushing for even bigger rate cuts and considering new tariffs on countries like Mexico, Canada, and China.

Powell also said the Fed is going to be cautious and wait to see what happens with government policies before making any major decisions. They’re not moving forward with more cuts unless the job market stays strong and inflation comes under control.

So what does this mean for mortgage rates? While mortgage rates don’t always follow the Fed’s moves, any economic uncertainty can create rate swings. If you’ve been thinking about buying or refinancing, now could be a good time to act before things change.

01/30/2025

5.0 star review received on Experience.com for Michael Ham by Jennifer V - We had to push for an early close for the sellers and he and they got the job done! Communication was excellen. Response time for questions was excellen!

Click to see all 332 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

12/18/2024

5.0 star review received on Experience.com for Michael Ham by Roy A - Michael and the team are very knowledgeable and communicative

Click to see all 331 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

11/28/2024

Happy Thanksgiving! I’m especially thankful for the support I receive from my family and community, which allows me to help so many families find their forever homes.

Wishing you a day full of gratitude, family, and delicious food!

11/28/2024

5.0 star review received on Experience.com for Michael Ham by Natalie M - Mike is extremely diligent and responsive. He navigated our complex VA loan questions with obvious expertise. We appreciate all he did to help us acquire our dream home.

Click to see all 330 reviews of Michael Ham - Churchill Mortgage, Home Loan Specialist | NMLS 174605

11/08/2024

The Fed met yesterday immediately following the election, making the decision to cut the federal funds rate by 0.25%, to a rate of 4.50% - 4.75%. The Fed does not set mortgage rates, but it can have an influence on them. So, what does this mean for home buyers?

Mortgage rates have been fluctuating since the previous rate cut in September. Many buyers were hesitant due to various factors—the election, the time of year, or rates not being low enough. The good news is this additional rate cut offers some relief on high-cost debts like credit cards and auto loans—a positive step toward saving money!

If you're thinking about buying or refinancing soon, let's start the conversation today—you never know what tomorrow is going to look like!