Bill Porter - Mortgage Specialist NMLS 245740

10/12/2026

Buying a home or refinancing often involves an important decision about what to do with your mortgage rate: Whether it makes sense to lock your mortgage rate or let it float. The right choice depends on your budget, timeline, risk tolerance, and market conditions.

So, as experienced mortgage lenders, our team wanted to take a moment to quickly go over what it means to lock or float a mortgage rate.

Swipe through for a breakdown of what each option means and what to consider.

Not sure which option fits your situation? Contact our office today. We can help you review your rate options, loan timeline, and next steps before you make a decision.

Rates and programs subject to change without notice

02/06/2026

With winter weather on the horizon, we would like to offer you some important tips to ensure the safety of your home and family.

Swipe through for ways you can stay ahead of the storm ↩️

Stay safe, and if you have any questions, please do not hesitate to reach out.

01/22/2026

There is nothing we love more than a good quote to inspire us through the rest of the month.

Leadership is not defined by the title we have, but by the influence we have on those around us. The most impactful leaders are the ones who inspire others to dream bigger, push further, and grow into their fullest potential.

This month, lead with encouragement, act with purpose, and watch the difference it makes. We’d love to hear what small actions you’re taking to make a difference, and invite you to share them with us in the comments!

01/21/2026

💙 **This is why follow-up matters.** 💙

I received an email today that genuinely made me smile. A client I haven’t *personally* worked with since **2018** wrote this to me:

> *“Bill, I appreciate you sending us the emails over the years and feel like you are someone we can trust. Thank you for keeping us on your list.”*

I didn’t close their loan yesterday.
I didn’t pitch them anything.
I simply stayed in touch.

Consistency isn’t flashy, but it builds trust—and apparently, it builds good moods too. 😄

This is a reminder to myself (and maybe to you): staying present, even quietly, really does matter.

01/20/2026

January is filled with milestones that shaped the course of history — from political traditions to breakthroughs in innovation and industry. Take a look at these fascinating events:

📜 January 7, 1714 - British inventor Henry Mill received a patent for a machine designed for “impressing or transcribing of letters singly or progressively.” It laid the foundation for centuries of written communication.

🦴January 12, 1896 - One of the first X-ray images in America was taken by three college students at Davidson College in North Carolina.

⛏ January 24, 1848 - A chance discovery at Sutter’s Mill sparked the California Gold Rush, drawing thousands in search of opportunity and fueling rapid population and economic growth across the region.

Which of these January milestones do you find most fascinating? We’d love to hear your thoughts in the comments!

01/08/2026

Did you know that Franklin County, OH changed the real estate tax due dates this year? This will affect refinance transactions, but otherwise align with many other counties in Ohio. Don't freak out if your escrow balance is a little more for a month.

WHAT ARE THE NEW DUE DATES?
The due dates for Real Estate tax payments have changed:

NEW DATES:
First-Half Payment for Real Estate: Due on February 28
Second-Half Payment for Real Estate: The second half payment due date has been June 20 in the past but will be no earlier than July 20,2026. The exact due date for second half taxes will be announced following Governor DeWine's review of House Bill 186, which has been passed by both Chambers.

01/01/2026

As we step into 2026, we want to pause and wish each of you a successful, healthy start to the year.

Please note: Our office will be closed on January 1st and 2nd, allowing our team to recharge and prepare for all that’s ahead.

Here’s to fresh starts, full calendars, and finally remembering what day it is again!

12/23/2025

Our top three holiday tips?

🎁 Eat the cookie.
🎁 Wrap the gift.
🎁 Repeat as needed.

Wishing you sweet moments, cozy vibes, and zero tape or holiday light tangles this season. From all of us, Happy Holidays!

Note that we’ll be closed from December 24th through 26th and again from January 1st through 2nd. We’ll be back in the office on January 5th, ready to serve you in the new year.

12/22/2025

Unlock Significant Savings by Lowering Your Interest Rate

Considering refinancing your mortgage? Dropping your interest rate from 7% to 6% could lead to substantial savings. On a $300,000 mortgage, you could save approximately $180 per month. This translates to over $2,100 per year in savings.
Long-Term Savings: Over a 30-year mortgage, this reduction could result in saving over $64,000 in interest payments.�

These savings can make a big difference in your financial future, freeing up funds for other investments, paying off debt, or simply providing more financial flexibility. Refinancing to a lower rate is a smart move that can help you maximize your savings over time. Start exploring your options today and see how much you could save!

Unlock Significant Savings by Lowering Your Interest Rate Considering refinancing your mortgage? Dropping your interest rate from 7% to 6% could le

12/12/2025

The Federal Reserve (Fed) concluded its meeting on December 10th by lowering its benchmark interest rate by 0.25%, setting the new target range at 3.50%-3.75%, and marking the third straight quarter-point cut. The decision was made despite limited access to official economic data following the government shutdown. Swipe through for more insights.

If you’d like to discuss how today’s market environment affects your specific situation or plans, our team is always here to help.