Holly Matthews - Mortgage Specialist NMLS - 1289185

03/05/2026

My friend tim posted and i am sharing It!! The trigger lead legislation takes effect today and I could not be happier.

The new law is called the Homebuyers Privacy Protection Act, which amended the Fair Credit Reporting Act to restrict mortgage trigger leads. It was signed in September 2025 and became effective 180 days later March 5, 2026.

What actually changes starting today?

Credit bureaus can no longer sell a borrower’s mortgage inquiry data to random lenders unless one of these applies:

1. The lender already has a relationship with the borrower (existing mortgage servicer/originator).
2. The borrower explicitly consented to sharing their data.
3. The lender is a bank or credit union where the borrower already has an account.
4. The outreach is tied to a true “firm offer of credit.”

02/19/2026

Spring buying season is coming—let’s get your credit ready!

🏡 Credit Tip #1: Pay every bill on time, every time. Set up auto-pay or calendar reminders so nothing slips through the cracks—because payment history is one of the biggest factors in your credit score and directly impacts mortgage approval.

💡 Did you know? A single 30-day late payment can stay on your credit report for up to 7 years.

📲 Reach out if you’d like help getting pre-approval ready before the spring rush.

02/07/2026

The home-buying journey takes more than just paperwork.

🏡 Tip #9 is to stay open, patient, and ready—markets change, timelines can shift, and flexibility often leads to the best outcome.

📲 Reach out anytime if you need guidance or support as you navigate the process.

02/06/2026

🏡 Tip #8 is to start looking for a Realtor early—choose someone who knows the local market, communicates well, and understands your goals. The right agent can guide you through the process and help you make confident decisions.

📲 Reach out if you’d like a trusted Realtor recommendation or help getting connected.

02/05/2026

Thinking of buying a home?!?

✨ Homebuying Tip #7: It’s time to dream big and start crafting your home wish list! Think about the spaces that light you up — your ideal kitchen, cozy corners, natural light, and all the little details that make a house feel so you. 🌸🏡

Ready to bring that dream home to life? Send us a message and let’s begin this journey together! 💕

02/04/2026

Love my girl, Melanie! I trust her with my personal real estate purchase business in Ohio! She’s an expert in the east side!

Happy Ground Hogs Day!

01/31/2026

Feeling so grateful for such a wonderful review! ⭐️ Kind words like this mean more than you know and remind me why I love what I do.

Thankful for the trust and the opportunity to serve amazing clients. 🏡✨

01/29/2026

Getting ready to buy a home?

Tip #6: Get pre-approved before you start house hunting so you know exactly what you can afford. A pre-approval strengthens your offer, saves time, and helps you shop with confidence.

🏡📄 Reach out today to get pre-approved and start your home-buying journey the right way.