Amstar Mortgage Network

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OVER 40% OF PRIMARY RESIDENCES ARE OWNED FREE & CLEARSurprised?
01/06/2026

OVER 40% OF PRIMARY RESIDENCES ARE OWNED FREE & CLEAR

Surprised?

08/14/2025

DON’T FALL FOR THE “FREE REFI” SCAM!!!

It seems the mortgage industry finds a new, deceptive way to market loans every year. One of the latest trends is offering from some lenders is a FREE REFI LATER if you do the purchase loan with them today.

Let me ask you a few questions:

Do you know any attorneys that work for free?
Have you ever seen the state of GA waive the Intangible Tax?
Have you ever seen a loan without lender’s title insurance?
How many underwriters do you think work for free?

You see where this is going. This is a marketing SCAM!!! Yes, you can do a refinance that the owner doesn’t pay any closing costs, but the way that’s done is by taking a HIGHER INTEREST RATE.

When rates hit bottom and you want to refinance, do you really want a rate that’s .375% HIGHER than what’s available to everyone else in the market?

The best approach is TOTAL TRANSPARENCY. That’s the only way you can make the best decision……when you have ALL The facts. If they are being deceptive about this, what else are they doing? Are they looking out after their commission, or the client’s best interest? You already know that answer.

Don’t make a $5000 (or more!) mistake!

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I have over 25 years of experience and have funded over $1 BILLION of real estate in Atlanta. If you have a scenario you aren’t sure about, give me a call and let’s discuss solutions. Or, if great rates, the highest levels of communication/service and educating your client regarding their financial options is important….well, that’s how we roll.

05/26/2025

2.2M likes, 6389 comments. “Top 5 best American idol favorites”

10/11/2024

US family inflation-adjusted wealth rose from $52 trillion in 1989 to $199 trillion in 2022. In 2022, the top 10% of families held 60% of wealth, up from 56% in 1989 and driven entirely by the top 1% whose holdings rose from 23% to 27%. Families in the bottom 50% of the distribution held 6% of wealth in 2002, unchanged from 1989. Retirement assets are 40% of total family wealth

09/25/2024

INFLATION WAY DOWN - Strip out rent and the remaining 93% of the CPI has slowed to a 1% Y-o-Y rate over the six months to August.

One of the best arts festivals in the South. It's a fun way to spend a Saturday morning or afternoon. If you haven't b...
08/14/2024

One of the best arts festivals in the South. It's a fun way to spend a Saturday morning or afternoon. If you haven't been to this one, you owe it to yourself to check it out.

08/07/2024

FIRST, THE GOOD NEWS - Interest rates will be lower by next Spring and millions of people who want to refinance will be rewarded for waiting.

WHY - IN A NUTSHELL
The revised the Q4-2023 job numbers DOWN by 271,000. Employers added 114,000 net July jobs, the lowest level since 12/20 except for the 108,000 three months ago. May and June were revised down by 29,000 and wage growth slowed to 3.6%, barely ahead of inflation, the weakest reading since 5/21. The unemployment rate rose to 4.3%, the highest rate since 10/21.

The Feds are behind the 8-ball on rate cuts so it will be interesting to see their strategy from here. It's a "best guess" but I see things slowing into next Spring and the recession may be official in April. The technical definition is 2 consecutive quarters of decrease in GDP.

As unemployment rises, we'll see inflation decline. Rates will also decline along the way.

I'm not sure why anyone is surprised that we may have a recession on the horizon. In my view, it's NOT AN IF.....IT'S A WHEN. The real question is, what kind of recession will it be. I'm hoping for something more moderate.

07/30/2024

39 percent of U.S. families renting in 2022 - Nearly 8 million qualified to BUY

I can help. :-)

07/22/2024

WILL MORTGAGE RATES FALL THIS FALL....AND INTO 2025
Jobless claims are rising nationwide, 24 states are higher year over year. 47% of the population lives in these states. Compare that with June, where only 11 states that house 22% of the population had higher year over year claims. The labor market is weakening. Generally speaking, when the economy softens, rates start to fall.

When you get ready to REFI, don't make a $4000 mistake. Call me to discuss the best strategy. YES....THERE IS A STRATEGY THAT CAN SAVE YOU $$$$$!

There is a saying in mortgages and stocks that goes: The trend is your friend. If you know what the trend is, it can h...
07/19/2024

There is a saying in mortgages and stocks that goes: The trend is your friend.

If you know what the trend is, it can help you make better decisions. Stock prices and mortgage rates do not travel along a straight line. The chart below is for 30 years mortgage bonds. That’s where the 30 year fixed rate pricing comes from.

The trend you want to see is “higher highs” and “higher lows” which is exactly what we’ve seen over the last 3 months. Rates have fallen from the low 7’s to the mid 6’s over the last 3 months.

APPRECIATION EXPECTATIONS
Home price appreciation has slowed over the last few months as inventory has improved. (We’re still 33% below pre-pandemic levels.) But as rates improve, we’re likely to see more and more buyers jumping back into the market putting more pressure on prices again. I think we’ll see appreciation closer to normal in the range of 3% to 3.5%.

BUY NOW or WAIT
Putting off a purchase in hopes of getting a lower rate hasn’t worked out for the last 10+ years from a pure financial/numbers standpoint. Why? Because the $400,000 house you liked was $430,000 a year later…..and the people that bought at $400,000…..they will refinance down to a lower rate (AND a lower payment than they would have if they had waited) when the time is right.

GET AN ANALYSIS
If you want to do a “Buy Now vs. Wait” scenario, talk to your realtor and a mortgage professional. Get your realtors thoughts on home appreciation and compare that scenario to your own estimate for appreciation. If you firmly believe home prices are going to crash, this obviously wouldn’t be a good time to buy. If you think homes will appreciate 3% or so, take a look at the numbers. I’ll be glad to give you a personalized analysis based on YOUR expectations.

When bonds go up, rates go down. THE TREND IS YOUR FRIEND…..higher highs and higher lows.

CHOPPY WATERS AHEAD
It won’t be a straight line…..and it probably won’t happen quickly. We may see rates in the high 6’s before we see rates in the low 6’s, but at least rates are moving in the right direction.

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2478 Burnt Hickory Road NW
Marietta, GA
30064

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