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Kathi Holtz, Mortgage Lender NMLS #525331

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United States
Columbus, OH
Kathi Holtz, Mortgage Lender NMLS #525331

Providing quick closing, hassle free mortgages for buying or refinancing a home throughout Ohio, Michigan, North Carolina, Arizona and Florida.

NFM is an Equal Housing Lender It can be overwhelming to purchase a new home or refinance your current mortgage loan. Let me help you tackle it.

02/12/2026

Principal is the amount you borrow 💰. Interest is the cost of borrowing it 📊.

Early in your loan, more of your payment goes toward interest but over time, more goes toward principal! Making extra principal payments can help you save on interest and pay off your loan faster.

👉 Want to see how your payments break down? Ask for a full loan snapshot!

02/11/2026

🏡 Looking at homes without a pre-approval is like trying to run a race without being signed up.

You can still tour homes.
You can still like a house.
But when it’s time to make an offer, other buyers are already prepared.

Getting pre-approved helps you move faster when it matters.
Sellers tend to take these offers more seriously.
And you avoid last-minute surprises.

It doesn’t change the market.
It just helps you be ready when the right home shows up.

If you want to talk about getting pre-approved, feel free to reach out.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

02/06/2026

Closing costs are the fees that finalize your mortgage and cover things like loan setup, appraisals, and insurance. While buyers typically pay most of these costs, some may be negotiable or offset with credits.

💡 Always review your Loan Estimate to see the full breakdown and avoid surprises!

02/04/2026

Your down payment is the upfront cash toward your home purchase and it can come from savings, gift funds, or even assistance programs. The good news? You don’t always need a large amount to get started. There are options for a variety of budgets!

👉 Reach out today to explore what options may work best for you.

02/04/2026

Don’t let 𝘯𝘰𝘵 getting pre-approved cost you your dream home.

Why does being pre-approved matter? 🤔

👉 A pre-approval means you’ve already shared your income, assets, and credit with a lender to determine exactly how much you could qualify for.
In many cases, this can make your offer stronger and help you stand out in a competitive situation.

On the other hand…
If you fall in love with a home without being pre-approved beforehand, you’re often several steps behind another buyer, and sellers may not take your offer as seriously.

Ready to start the process and get pre-approved?
Give me a call or send me a message. I’m happy to work with you to figure out what you could qualify for based on your situation and where you are in the home buying process.

The conversation is completely free, my goal is to help you make the best move when the time is right. 🏡👍

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

02/02/2026

February is the perfect time to prep for spring home shopping! 💡 Check your credit, set your budget, get pre-approved, and start building your wish list. A little preparation ow can lead to a smoother smarter home search later.

👉 Start your home-buying prep today!

02/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates stayed low last week but didn’t move any lower. With the Fed holding policy rates steady and no surprises from the meeting or Fed Chair Powell's press conference, markets had little to react to, keeping mortgage rates stable through the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Markets will be watching several labor market reports this week, but mortgage rates may not react as strongly as they usually do because there’s still a lot more data coming before the Fed meets again in March. Rates are likely to stay low, though probably not quite as low as they were a couple of weeks ago.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: A number of labor market reports are coming out this week, including job openings, layoffs, private payrolls, and unemployment claims. The most important report will be Friday’s BLS jobs data, which includes unemployment, job growth, and wage information that could affect mortgage rates this week.
- Economic data: A few additional reports will be released this week that could cause small day-to-day changes in mortgage rates, but nothing that’s expected to push rates meaningfully higher or lower.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

01/30/2026

Selling your home? Effective staging can make all the difference in attracting potential buyers and securing a great offer.

Here are some tips to stage your home like a pro!

01/28/2026

The market is always moving, and waiting for the “perfect time” can quietly turn into missing a really good one.

Rates have been easing lately, and honestly, a lot of people haven’t even noticed yet.

If buying has been on your mind, this doesn’t have to be a big, scary decision. It can start as a simple conversation.

You don’t have to time the market. You just have to be ready when the moment feels right. If you want to potentially save big or take the first step. Now would be the time. Send me an email or a message, and let's talk.

I’m happy to help you get there 🏡☕

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

01/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets reacted to two big developments. First, a bond selloff in Japan spilled into global bond markets. Second, rising geopolitical tensions driven by talk of the U.S. taking over Greenland and possible tariffs on European allies added more pressure. While tensions eased somewhat later in the week after a framework for a deal was announced, mortgage rates improved but remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Although rates are higher than the recent lowest levels of the year, they remain lower than at almost any point last year. That’s likely to remain the case this week, although there could be some volatility following this week’s Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed wraps up its meeting on Wednesday, and no policy rate changes are expected. The bigger question is what Fed Chair Powell says afterward, since his comments often cause rates to move as markets try to figure out what could come next.
- Economic data: There’s some data coming out this week that could move rates a little, but nothing that should cause concern about higher rates or meaningfully push rates lower.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

01/26/2026

Thinking about downsizing your home? Whether you’re an empty nester or seeking a simpler lifestyle, downsizing can be a rewarding experience. Downsizing is an opportunity to create a home that truly reflects your current lifestyle and priorities.

Ready to make the move? Contact us today!

Address

1900 Polaris Parkway, Suite 203
Columbus, OH
43240

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+16146120353

Website

https://www.kathiholtzmortgage.com/

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