Sonya Hall - Mortgage Banker

10/12/2026

Taking time today to recognize Indigenous Peoples' Day and the Native
communities whose history is part of the places we all call home.



NMLS # 431080

10/06/2026

10/06/2026

Thank you Pitt Couny Realtors that joined us today to invest in YOU and YOUR BUSINESS! We know you are serious about your business and we are too! Our goals align! Thank you Leigh Brown for pouring your knowledge and bringing value to Pitt County today!

09/30/2026

5.0 star review received on Experience.com for Sonya Hall by David D - Great experience

Click to see all 200 reviews of Sonya Hall, Sr. Mortgage Banker

09/22/2026

Real Estate Agents - Only 25 spots left !! Sign up now

https://form.jotform.com/262375175332154

09/22/2026

A new season brings new possibilities. If a new address is calling your name, let’s make a plan to get you there.

NMLS # 431080

09/17/2026

The Federal Reserve raised its benchmark rate by 0.25% yesterdaySonya Hall, and while that made headlines, it doesn’t mean mortgage rates automatically increased by 0.25%. Mortgage rates are influenced by many factors, including the bond market, inflation, and investor expectations—not just the Fed’s announcement.

What you will likely notice is an increase in variable-rate debt, such as:
• Home equity lines of credit (HELOCs)
• Credit cards
• Some adjustable-rate loans

With the Prime Rate now at 7.00%, borrowers with variable-rate debt may see slightly higher monthly payments. For example, on a $100,000 HELOC, the increase is roughly $21 per month.

So, what does this mean for mortgage rates?
In many cases, very little—at least immediately. Mortgage rates often adjust before a Fed meeting because the market has already priced in what it expects the Fed to do. Today’s announcement was widely anticipated, so the bigger driver for mortgage rates is the Fed’s outlook for inflation and future rate decisions, not the quarter-point hike itself. If investors believe inflation will remain elevated or that additional Fed hikes are likely, mortgage rates could stay elevated or move higher. If inflation shows signs of cooling, mortgage rates could improve—even without a Fed rate cut.

My biggest takeaway? Don’t let the headlines make you panic. There’s always more to the story than “the Fed raised rates.” If you’re thinking about buying, refinancing, or using your home’s equity, the right strategy depends on your individual situation—not just today’s news.

If you’ve been wondering whether now is the right time to buy or refinance, let’s talk. I’m happy to help you understand what today’s announcement means for your goals, not just the headlines.

Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

09/11/2026

Remembering and honoring the lives lost on September 11, 2001, and the courage of those who responded with strength and service. We will never forget.

NMLS # 431080

09/07/2026

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work our team gets to be part of. Enjoy the day off, you've (more than) earned it.



NMLS # 431080

09/07/2026

5.0 star review received on Experience.com for Sonya Hall by Marissa W - Sonya Hall was absolutely amazing to work with throughout our mortgage process! From start to finish, she was professional, knowledgeable, responsive, and genuinely cared about making sure everything went smoothly for us.

She took the time to explain each step of the process, answered all of our questions, and was always available when we needed her. What really stood out was how much she went above and beyond to make sure we understood our options and felt comfortable with every decision.

Buying a home can be stressful, but Sonya made the entire experience so much easier. Her communication, attention to detail, and dedication truly made a difference. We always felt like we were more than just another client.

I highly recommend Sonya Hall to anyone looking for a mortgage loan officer. She is excellent at what she does, and we are incredibly grateful for all of her help in getting us into our new home!

Click to see all 198 reviews of Sonya Hall, Sr. Mortgage Banker