Joe Bowling, Mortgage Lender

04/08/2024

Thank you for your service, Veterans!!!

Mortgage scams are real and they often veteran homeowners. Here are the most common VA loan refinance scams and how to avoid them.

03/26/2024

https://www.mbshighway.com/gallery/blendedratesocialshare-3-20-2024-png

Feeling “locked-in” by your low existing mortgage rate? If you're carrying large, higher interest debt balances (credit cards or car loans), your "blended" rate may be much higher than you realize. You might even have the opportunity to buy a new home, consolidate your debt with a slightly large...

03/19/2024

https://www.nytimes.com/2023/08/26/business/mortgage-rates-housing-market.html

Economists say loan rates are affected by a complicated combination of factors, but there are tactics consumers can use to land a lower rate.

03/19/2024

https://www.wsj.com/story/how-to-sell-a-house-while-the-market-is-still-favorable-c55dd148

The pandemic rush of high prices and waived inspections is over. Here are four things sellers should consider in order to take advantage of the market this spring.

03/11/2024

This is good information to understand when you've paid off your mortgage.

I would suggest doing a cash out loan to gain access to your equity for additional investments.

Understandably, I like real estate...😉

Before you do your dance of joy, there are a few more steps you need to take.

01/06/2024

🏡 Exciting News! 🎉

Dear friends and valued clients,

I am thrilled to announce a significant milestone in my career! 🌟

As many of you know, I've been dedicated to helping you achieve your homeownership goals as a Loan Originator with MortgageRight. Well, I am excited to share that I have expanded the services I can offer by obtaining my Real Estate License and affiliating myself with the incredible team at High Caliber Realty! 🏠✨

This new venture allows me to offer you an even more comprehensive suite of services and I am now better equipped than ever to guide you through every aspect of your real estate journey.

Whether you're a first-time buyer, a seasoned investor, or looking to refinance, I am here to provide you with top-notch mortgage advice and assist you in finding the perfect property through High Caliber Realty. Together, we'll ensure you have all the support and resources you need to make informed decisions and achieve your real estate goals.

If you or anyone you know is considering buying or selling a property, please don't hesitate to reach out. I am here to answer your questions, offer guidance, and connect you with the right professionals to make your real estate dreams a reality.

Thank you for your continued trust and support. I look forward to serving you even better on this exciting new path! 🤝

Stay tuned for more updates, tips, and exciting real estate news from High Caliber Realty. Let's embark on this journey together! 🚀

Warm regards,
Joe

High Caliber Realty 🏡✨
770.874.5045

04/17/2023

What is your top question for a mortgage professional?

04/10/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟬, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
In the middle of last week average mortgage rates hit some of the lowest levels seen since January, before rising on Friday as strong jobs data pushed markets to expect the Fed to hike its policy rate again in May. Rates still ended the week slightly lower.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates will find direction this week depending on how markets react to inflation data, as well as speculation of a possible Fed rate hike in May. Markets are expecting a rate hike to come, but if that changes we could see rates improve. We could see rates move more than normal this week, with Wednesday likely to be the most volatile day for rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week we will get the CPI consumer inflation data for March, which if it shows inflation is slowing down could help mortgage rates. A report showing that inflation remains stubborn though could see rates move slightly higher. Wholesale inflation data comes out on Thursday, with a smaller chance of affecting rates.
- Fed minutes: The minutes from last month's Fed meeting will be released on Wednesday, and markets will be looking for signs on whether the Fed will hike its rate in May or not.

04/07/2023

🏠🐰👀 NO BUNNY KNOWS MORTGAGES LIKE I DO! 🤣

Whether you're looking to hop into a new home or refinance your current burrow, I've got you covered! 🐇🏡

Ready to hop on your mortgage journey? Text or call me today to hop to it! 📱🐰👍

🏠🐰👍

04/03/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟯, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Last week saw mortgage rates move up from the previous week's lows, but were still better than the first half of March. Rates were pretty consistent through the week, with little movement day-to-day and no real volatile days.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Now that the banking turmoil has died down, and markets have been assured that this isn't a systemic failure reminiscent of 2008, expectations of a Fed rate hike in May have increased. That is pressuring mortgage rates for the week. We could see rates do well early in the week, but should be careful near the week's end as the jobs data could push mortgage rates higher.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Jobs data comes on Friday this week, which is Good Friday. Normally the bond market is closed on Good Friday, but it will be open with an early close of 2pm because of the jobs data, while the stock market will be closed for the day. Due to the holiday weekend, we may see more volatility than usual, and rates could move higher quickly if the jobs data shows a strong labor market.
- The Fed: As markets anticipate future Fed rate movements, mortgage rates will be affected. Fed members speaking this week could swing sentiment.

03/31/2023

🚨 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘁𝗵𝗼𝘀𝗲 𝗼𝗻𝗹𝗶𝗻𝗲 𝗮𝗱𝘀 𝗳𝗼𝗼𝗹 𝘆𝗼𝘂 😲

Rates have moved down recent weeks, but many online ads are advertising rates that are simply not attainable just to get you to contact them, but they can't really close you at that rate (this is often called bait-and-switch). 😡

These ads can make you question if you're getting a good low rate, or if you should be looking elsewhere.
👉 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘁𝗵𝗲𝗺 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳.

𝗜𝗳 𝗜'𝗺 𝗾𝘂𝗼𝘁𝗶𝗻𝗴 𝘆𝗼𝘂 𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲, 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗰𝗼𝘂𝗻𝘁 𝗼𝗻 𝗶𝘁 𝗯𝗲𝗶𝗻𝗴 𝗮𝘁𝘁𝗮𝗶𝗻𝗮𝗯𝗹𝗲 𝗮𝗻𝗱 𝗯𝗲𝗶𝗻𝗴 𝗮 𝗹𝗼𝘄 𝗿𝗮𝘁𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗿𝗮𝘁𝗲 𝗲𝗻𝘃𝗶𝗿𝗼𝗻𝗺𝗲𝗻𝘁. You don't have to fear you'll overpay or be taken advantage of when you work with me, and you can be assured that the rates I quote you are not bait-and-switch rates like these online ads.

✅ 𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘁𝗮𝗹𝗸 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝗿𝗮𝘁𝗲𝘀 𝘄𝗼𝘂𝗹𝗱 𝗹𝗼𝗼𝗸 𝗹𝗶𝗸𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗲𝗱 𝗶𝗻 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴, 𝗼𝗿 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗼𝘂𝘁 𝘁𝗵𝗲𝗿𝗲 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲, 𝗷𝘂𝘀𝘁 𝗹𝗲𝘁 𝗺𝗲 𝗸𝗻𝗼𝘄. I'd be glad to run the numbers for you and to talk about how we can get you a low rate... just maybe not as low as the liar ads you see online.