The Dean Team at Homeowners Financial Group

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The Dean Team at Homeowners Financial Group

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We exist to create experiences that matter by delivering value that has generational impact on the people we serve.

10/31/2026

New price in Walnut Grove: $410,000, just cut $10,000. The only home for sale in the neighborhood with a fully finished basement level: its own bedroom, full bath, second kitchen, and second laundry.

Year one at 5.990% instead of the 6.990% note rate (6.993% APR) on a lender-funded 1/0 buydown. That is $261 a month back, $3,137 across year one.

Full breakdown: FirstStepWithJoshua.com

Listed by Tonia Wolfe, 1st Class Real Estate, Lanier Group.

Full example terms and disclosures are on the last slide.

Joshua Dean, NMLS #1662895 | Homeowners Financial Group USA, LLC, NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee #53577

10/31/2026

Wishing you a Halloween full of treats, laughs, and cozy-at-home vibes. Bonus points for a well-lit walkway and a candy stash you don’t “accidentally” finish early.
https://myoc.io/axeo3dUQkT

NMLS #1662895 | Homeowners Financial Group USA, LLC | Equal Housing Lender | NMLS #93718 | GA Residential Mortgage Licensee #53577, 22713, MLD1602, 135710 | homeownersfg.com/licensing

10/31/2026

Is this the bottom? Nobody knows. And it is the wrong question.

Here is what the market is actually doing. Sellers outnumber buyers by 62.6%, the widest gap Redfin has recorded since 2013. Seller concessions appeared in 44.7% of sales. 1 in 5 listings took a price cut in September. Homes sat a median of 61 days.

More choices. More negotiating room. Time to think.

But leverage never replaces affordability. Your strategy matters more than your timing.

Swipe through, then comment STRATEGY and we will compare price, concessions, cash to close, and the full payment around your goals.

Clarity leads to confidence.

Take your first step: FirstStepWithJoshua.com

Joshua Dean, NMLS #1662895 | Homeowners Financial Group USA, LLC, NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee #53577

10/31/2026

A new home in Cedartown starting with a Year 1 payment of $1,136 a month.

That is principal and interest on a $249,900 home at The Boulevard at Cedartown, using a 3-2-1 buydown paid from the builder incentive.

The strategy is simple. Start lower, plan ahead, and know your numbers before you fall in love with a house.

Clarity leads to confidence.

Start here: FirstStepWithJoshua.com

Full example terms and disclosures are on the graphic.
Tyler Short

Joshua Dean, NMLS #1662895 | Homeowners Financial Group USA, LLC, NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee

10/30/2026

Class is in session! ☕🎓

Every rate has a strategy.

In Episode 2 of Dean Team University, we walk through what makes up your closing costs, how a break-even point works, and choosing an interest rate with a plan. Plain language. Practical guidance. So you can compare every option with confidence.

Grab a cup of coffee, kick back, and let's make homebuying make sense.

Clarity leads to confidence.

▶️ Watch Episode 2: https://www.youtube.com/watch?v=xqdnCJesebE
📚 Enroll in DTU for the full series, workbook, case studies, and bonus goodies: https://secure.mp360.ai/Form3.aspx?Key=049E4C327782A20CF88B7F77FAD198E2

Joshua Dean | NMLS #1662895 | Homeowners Financial Group USA, LLC | NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee

10/28/2026

The Fed held rates steady today.

The vote was 10 to 2. Both members who disagreed wanted a rate hike, not a cut.

The Fed called the economy strong and said inflation remains elevated. More hikes are possible if inflation does not cool.

What does that mean if you are buying or refinancing?

Mortgage rates do not move just because the Fed holds. They follow the bond market, and the 10-year Treasury rose after the press conference. So today brought no rate relief. It brought clarity about the direction.

Clarity leads to confidence.

The families who win in this market are not guessing the next move. They have a payment they are comfortable with, and a plan if rates move either way.

Start here: FirstStepWithJoshua.com

No pressure. No guessing.

Source: Federal Reserve statement, Oct 28, 2026; Reuters.

Joshua Dean, NMLS #1662895 | Homeowners Financial Group USA, LLC, NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee #53577 | 141 Railroad Street, Suite 120B, Canton, GA 30114

10/26/2026

When rates move, the market responds. A recent dip means more buyers are stepping back in — and you don’t want to miss your window. Let’s find the home that fits you best.
https://myoc.io/axeo3dUQkT

NMLS #1662895 | Homeowners Financial Group USA, LLC | Equal Housing Lender | NMLS #93718 | GA Residential Mortgage Licensee #53577, 22713, MLD1602, 135710 | homeownersfg.com/licensing

10/26/2026

The rate is only part of the story.

Price matters. Closing costs matter. Cash flow matters.

Price cut or seller credit? Those dollars work differently. Run the numbers before you decide.

Clarity leads to confidence.

Start your personalized mortgage strategy at FirstStepWithJoshua.com

Joshua Dean, NMLS #1662895 | Homeowners Financial Group USA, LLC, NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee

10/24/2026

Weekend house hunting? Let’s make sure you’re shopping SMART!

One of the biggest questions we get from buyers and Realtors is, “What’s the payment, what are the closing costs, and how much cash do I actually need?”

What if you knew all of that BEFORE walking into the homes?

At The Dean Team at Homeowners Financial Group, we create customized shopping lists comparing up to FOUR properties side by side, including payments, closing costs, cash to close, and different financing strategies!

Different homes. Different numbers. Better decisions.

And we don’t just send you a spreadsheet. We walk through the numbers together on a personal strategy call so you can shop with confidence!

Realtors and homebuyers: If you’re looking at multiple properties this weekend, let’s connect!

You shop homes. We provide the strategy. 💙

The Dean Team | Creating Experiences That Matter

10/24/2026

Class is in session! ☕🎓

Buying your first home starts with understanding your options.

In Episode 1 of Dean Team University, we walk through credit, debt-to-income ratio, cash to close, and choosing a loan that fits your goals. Plain language. Practical guidance. A foundation you can build on.

Grab a cup of coffee, kick back, and let’s make homebuying make sense.

Clarity leads to confidence.

▶️ Watch Episode 1: https://www.youtube.com/watch?v=w9yZxXhbYvk
📚 Enroll in DTU for the full series, workbook, case studies, and bonus goodies: https://secure.mp360.ai/Form3.aspx?Key=049E4C327782A20CF88B7F77FAD198E2

Joshua Dean | NMLS #1662895 | Homeowners Financial Group USA, LLC | NMLS #93718 | Equal Housing Lender | Georgia Residential Mortgage Licensee

Address

141 Railroad Street Suite 120B
Canton, GA
30114

Telephone

+14703030087

Website

https://www.homeownersfg.com/joshuadean/

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