Russell Carmichael - NMLS# 1492025

10/20/2026

Your buyers have never had this much negotiating power. And most of them do not realize it.

Sellers now outnumber buyers by nearly 58 percent. The largest margin ever recorded. That means price cuts, closing cost credits, and rate buydowns are all back on the table in ways they have not been in years.

Agents across the country are closing deals $40,000 to $60,000 under asking on listings that sat for 30 days. Mortgage applications just hit their lowest level since 1995 which means your buyers are not fighting bidding wars. They are negotiating with real leverage.

And here is the part nobody is talking about: September home sales rose in defiance of surging rates. The agents winning right now are not waiting for rates to drop. They are writing aggressive offers with every contingency intact.

Send me your buyers and I will run the payment scenarios that show them exactly what buying today looks like with a buydown included.

This market will not last forever. Once rates fall competition returns and all of this leverage disappears.

10/12/2026

Great reviews and referrals don't happen by accident. They're earned by taking care of people, communicating well, and doing what you say you're going to do.

That's how I've always believed this business should be done, and it's what my team and I work hard to deliver every day.

Grateful for customers who trust us with one of the biggest purchases of their lives.

10/05/2026

5.0 star review received on Experience.com for Russell Carmichael by Christian A D - Russell and his team excell in providing every resource and instruction needed in order to ensure the home buying process goes as smoothly as possible. He consistently would ensure hwe was available to answer any questions or concerns we had and really made this, otherwise complicated process, simple. I will be referring Russell and his team to everyone!

Click to see all 97 reviews of Russell Carmichael, Branch Manager, VP | NMLS # 1492025

10/05/2026

Many people think the first step in buying a home is touring houses, but one of the smartest first steps is getting pre-approved for a mortgage.

It helps you understand your budget, focus your home search, and show sellers you’re ready when you find the right home.

10/02/2026

Big day. Two more families are Clear to Close! 🏡

Always a good feeling getting these across the finish line and one step closer to closing day. 🔑

09/24/2026

There’s no better compliment than knowing a client felt taken care of, especially when the loan wasn’t straightforward.

Thank you, Dave, for trusting me and my team to help get you into your dream home.

09/22/2026

5.0 star review received on Experience.com for Russell Carmichael by Christine P - Russell was very helpful. He answered all my questions & kept me informed at every step. I'm very happy that I chose Lower Mortgage and Russell & team for this process!

Click to see all 95 reviews of Russell Carmichael, Branch Manager, VP | NMLS # 1492025

09/17/2026

The sky isn’t falling. Rates are just higher.

Focus on what you can control. Less debt = more buying power. Don’t sit around waiting on the perfect rate to start getting ready.

09/16/2026

Nothing better than hearing this from the people we get to serve.

Clear communication, a smooth process, and taking care of people from start to finish. That’s always the goal.

Thank you, Beth, for trusting me and my team with your home loan!

09/09/2026

Easy process. Great communication. Closing a week early. That’s what we’re shooting for every time.

Thank you, Alec, for the great review and for trusting me and my team with your mortgage. We appreciate you!