Harry Guerrier - Home State Bank

10/01/2025

Win the homebuying game with this playbook

Huddle up! As your loan officer, I’m here to coach you through the homebuying process.

09/19/2025

How do you add up? A look at credit scores

How much do you know about credit scores, how they’re calculated, and what they’re used for? Ramp up your knowledge with this helpful guide so you know what to expect next time you apply for credit.What’s the Score? Your credit score is a part of the package of information lenders use to decid...

07/31/2025

No rate cut from the Fed this time! Despite some internal dissent and outward pressure to cut rates, the Fed held policy rates at the current level at their July meeting. The Board's statement noted moderating economic activity in the first half of the year and described continuing uncertainty for the future. The Fed doesn't control mortgage rates directly, and economic or geopolitical events are more likely to have an impact on mortgage rates at this time. If you want to discuss whether now is the right time for you to make a move, please reach out. Home State Bank, N.A is an Equal Housing Lender.

07/18/2025

How much will you pay in rent while you wait for lower rates? With rising home values and your rent payment, you could pay more over time than with higher rates now. Follow the link to see some examples and calculate the differences for your scenario. I’m ready to help when the time is right for you. Home State Bank, N.A is an Equal Housing Lender.

How much will you pay in rent while you wait?

07/16/2025

Broad changes enacted with the passage of the tax and reconciliation bill may help homeowners and buyers, including deductions for mortgage interest and mortgage insurance, a higher cap on state and local tax deductions, benefits for real estate investors, and more. I have the details. Please reach out if you’d like to learn more. Home State Bank, N.A is an Equal Housing Lender.

06/18/2025

The Fed held rates steady. At their June meeting, the Board described current stability yet continuing uncertainty for the future. Board members predicted two rate cuts by year's end but will base future decisions on incoming data. The Fed doesn't control mortgage rates directly, and economic or geopolitical events are more likely to have an impact on mortgage rates at this time. If you want to discuss whether now is the right time for you to make a move, please reach out. Home State Bank, N.A is an Equal Housing Lender.

06/15/2025

Happy Father's Day! Today, lets celebrate those who catch us when we fall, who lend a helping hand when we need it, and who are an endless source of funny-not-funny jokes. No matter where life's journey finds you this Father's Day, the team at Home State Bank, N.A wishes you all the best. Home State Bank, N.A is an Equal Housing Lender.

06/11/2025

Rates are just one part of a home purchase. Watch the short video to get a longer-term view of homeownership. Our team helps people navigate the current rate environment every day. Please let me know if I can help you or someone you know. Home State Bank, N.A is an Equal Housing Lender.

Rates are just part of the homeownership story.

06/07/2025

Dream vacations? Extra income? A second home can provide both

There are a number of reasons to purchase a second home: as a family getaway, to build equity, or to have a future retirement home, among others. And with the rise of online marketplaces like Airbnb and Vrbo, it’s easier than ever to rent out a second property for additional income. It feels like ...

06/05/2025

What does owning a home mean to you? To me, homeownership is a wealth-building, community-building, and life-building investment. (And choosing your own paint colors is an added bonus.) Happy Homeownership Month! Home State Bank, N.A is an Equal Housing Lender.

06/03/2025

Should you wait to buy a home?

Your best option may be right in front of you. In a fast-changing economy and a 24-hour news cycle, it’s hard to separate noise from information, and that can lead to analysis paralysis. That said, if you’ve been thinking about buying a house, don’t feel like you have to wait for perfect condi...