Luther Palmer / Motto Mortgage Makers

08/25/2026

Should you refinance even though rates may not be lower than mortgage's rate? Yes, you could have some great financially responsible reasons to refinance other than a lower interest rate and payment. Reasons #2 and #5 on this list are very good. Let's talk and find out if a refinance will help you save or invest in your growth.

According to the ICE* 2025 Borrower Insights Survey, tappable equity has grown nationwide by $5.7 trillion since 2019.
*The stock symbol for Intercontinental Exchange; not to be confused with other agencies or entities.

08/03/2026

Do you know how much of a mortgage you're approved for? Find out and decide how much you can afford comfortably. Contact me today...

07/29/2026

Through August 31, 2026, get a 1% rate reduction for the first year of your mortgage. Call me today for all the details on how you can take advantage of this savings opportunity...

Our 1-0 Temporary Rate Buydown is available for just 25 basis points for a limited time — until August 31. Uncover the substantial financial benefit of this incentive with the 1-0 Buydown Calculator and show your borrowers how to keep more money in their hands at the beginning of their loan. https://bit.ly/4vFGKto

07/02/2026

04/30/2026

(423) 298-1465 Not sure what “debt” or DTI means? Understanding your numbers can unlock better financial options. Contact me for a quick, personalized breakdown today.

04/30/2026

Think you need a huge down payment to buy a home? Not necessarily! There are loan programs designed to help folks get into homeownership with various down payment options. From VA loans for veterans to FHA and USDA programs, there are paths forward that might surprise you.

At Motto Mortgage, we love breaking down the confusion around home financing. Our team connects you with a wide network of wholesalers to explore what fits your unique situation. No two journeys are the same, and that's what makes this process so personal.

Ready to separate fact from fiction? Let's chat about your homeownership goals and find clarity together. 🏡