https://branches.guildmortgage.com/ga/martinez/christopher-harod-690-hpchh.html

Christopher Harod MLO, 4070 Columbia Road, Martinez, GA (2026)

06/02/2026

📉 What Actually Affects Mortgage Rates?

🏡 One of the most common questions I hear is: “Why did mortgage rates change?”

The answer: mortgage rates are influenced by several moving parts—not just one headline.

Here are a few key factors that impact rates:

🔹 Inflation – When inflation rises, rates often follow because lenders need to maintain purchasing power.

🔹 The Bond Market – Mortgage rates are closely tied to mortgage-backed securities and the 10-year Treasury yield. Bond market movement matters more than many people realize.

🔹 Federal Reserve Policy – While the Fed doesn’t directly set mortgage rates, decisions around interest rates and economic policy can influence market expectations.

🔹 Economic Conditions – Employment reports, consumer confidence, and overall economic performance can all affect lending markets.

🔹 Your Financial Profile – Mortgage rates aren’t one-size-fits-all. Credit score, loan type, down payment, debt-to-income ratio, and occupancy can all influence the rate you may qualify for.

The takeaway? Trying to perfectly “time the market” can be tough. Understanding your options and having a strategy matters more.
If you’ve been wondering whether now is the right time to buy, refinance, or simply explore your options, I’m always happy to have a conversation.

06/01/2026

CSRA Market Update – June 1

Happy Monday, CSRA friends! Hope everyone had a great weekend around Augusta, Martinez, Evans, Grovetown, and North Augusta.

Here’s a quick snapshot of what’s happening in the market right now:

Recent global headlines have created some movement in the bond market, which can influence overall mortgage conditions. At the same time, we’re seeing encouraging signs of continued economic activity, with stronger manufacturing data coming in to start the week.

What local buyers and homeowners should keep an eye on this week:

Upcoming employment reports
Job openings data
Continued updates on economic growth

Even though these are national trends, they can still impact what we’re seeing right here in the CSRA housing market.

Around our local area, we’re still seeing steady activity with buyers looking to make moves this summer. Every situation is a little different, which is why staying informed is so important.

If you’re thinking about buying, refinancing, or just curious about how things are affecting your specific situation, I’m always happy to help break it down—no pressure at all.

Feel free to reach out anytime, even if you just have questions!

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

06/01/2026

WEEK 1: “Consistency Wins Business”

If you’re a realtor trying to grow your business, here’s the truth most don’t want to hear…
It’s not about doing MORE.
It’s about being CONSISTENT.
The agents who win long-term:
✅ Show up weekly
✅ Stay visible in their community
✅ Share helpful content (not just listings)
People don’t hire who they see once…
They hire who they remember.
Start simple: • 2–3 posts per week
• 1 helpful tip
• 1 local/community post
Consistency builds trust—and trust builds closings.
If you need ideas or want to collaborate, I’m always happy to help.

Realtor Insight: What’s Driving Rates Right Now

Global inflation and rising energy costs are keeping pressure on interest rates, while slower economic growth is helping create some balance.
What this means for your clients:
The market isn’t just local—timing, strategy, and guidance matter more than ever.

If you need a quick game plan for your buyers or sellers, I’ve got you covered.

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

06/01/2026

Global Economy Update
What’s Happening Right Now?

The world economy continues to show resilience, but there are a few important trends shaping the outlook:

• Growth remains steady but slowing
Global growth is still positive, though at a more moderate pace compared to past years.

• Inflation pressures are still present
Rising energy and supply costs—especially tied to global tensions—are contributing to ongoing inflation concerns.

• Interest rate outlook remains cautious
Many central banks are holding rates steady as they monitor inflation and economic activity.

• Geopolitical events are influencing markets
Global conflicts and trade uncertainties are continuing to impact energy prices, supply chains, and investor sentiment.

• Technology investment is helping support growth
Ongoing innovation—especially in AI and technology—continues to provide a boost in certain sectors.

What this means:
While there are challenges, global economies are adapting. Many experts are closely watching inflation trends, energy markets, and central bank decisions as key indicators going forward.

If you ever have questions about how these macro trends could impact housing, buying power, or financing options here locally, I’m always happy to help break it down in plain terms.

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

05/29/2026

What We’re Seeing in the CSRA

🏡 A more balanced market is giving buyers a stronger position

🏡 Increased inventory means more opportunity and flexibility

🏡 Prices continue to grow at a healthy, measured pace

🏡 Homes are staying on the market a little longer, allowing for better strategy and negotiation

This isn’t a slowdown—it’s a shift toward stability and opportunity

Realtor Appreciation

To all the hardworking realtors across Augusta, Martinez, Evans, Grovetown, and the entire CSRA…

In this type of market, your professionalism, communication, and consistency truly stand out.

You’re not just helping clients buy and sell—you’re:

✔ Educating

✔ Guiding

✔ Protecting

✔ Creating opportunity for families

That matters more now than ever.

I’m grateful to partner with so many agents who lead with integrity, serve their clients well, and truly care about the people behind the transaction.

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

05/29/2026

The housing market continues to shift toward a more balanced and opportunity-driven environment, both nationally and right here in the CSRA.

✅ Inventory is gradually improving, giving buyers more options
✅ Home values continue to show steady, sustainable growth
✅ Buyers are gaining more negotiating power as the market stabilizes
✅ Affordability has shown signs of improvement despite economic pressures

Across the country, we’re seeing a market that rewards preparation, patience, and strong guidance—something our local professionals do extremely well.

🇺🇸 A Personal Note

As a U.S. Navy Veteran and local Mortgage Loan Officer, service has always been at the core of what I do.

Whether I’m helping:
• A first-time homebuyer understand the process
• A veteran take advantage of their VA benefits
• Or a family navigate today’s changing market

I don’t take that responsibility lightly.

This business is about people, not just transactions.

And I’m honored to serve alongside so many incredible professionals here in the CSRA community.

Let’s Keep Serving Together

If you’ve got clients who need guidance, have questions, or just want a dependable lending partner—

✅ I’m always available
✅ Evenings & weekends included
✅ Here to help you win more deals and serve your clients better

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

05/29/2026

If you’re a realtor looking to grow your business, here are a few strategies that are working right now—while keeping everything professional and compliant:

Focus on education, not just listings
Share tips for buyers and sellers, explain the process, and answer common questions. People connect faster with value than with constant sales posts.

Build trust through consistency
Show up regularly on social media with helpful content, local market insights, and behind-the-scenes moments. People do business with those they know and trust.

Market the lifestyle, not the buyer
Highlight home features, community amenities, and local businesses—but avoid language that suggests who “should” live there.

Stay visible in your local community
Events, small business shoutouts, and community involvement keep you top of mind when someone is ready to move.

Use smart (compliant) targeting
Focus on location-based marketing, engagement, and past interactions—not personal demographics.

At the end of the day, the agents who win long-term are the ones who educate, build relationships, and stay consistent.

If you ever want to collaborate or share ideas, I’m always happy to help. Let’s grow together. 🙌

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

05/29/2026

Global Economic Update
What’s Happening Around the World

The global economy continues to move forward, but recent developments are creating a more cautious outlook.

• Growth is slowing worldwide as ongoing global challenges impact trade, production, and investment
• Inflation pressures have picked back up in many regions, largely tied to higher energy and supply chain costs
• Geopolitical events are influencing markets and contributing to increased uncertainty across global economies
• Some economies remain resilient, supported by strong labor markets, consumer demand, and continued investment in technology

Overall, the global economy is still growing—but at a more moderate pace, with conditions varying across regions.

What this means locally:
Global trends can influence everything from costs and supply chains to financial markets, which may indirectly impact housing and borrowing conditions here at home.

Christopher Harod MLO

Loan Officer | NMLS #2745567

4070 Columbia Rd. Ste 240

Martinez, GA 30907

M: 864-888-7542

Company NMLS #3274|Equal Housing Opportunity

States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

05/28/2026

Wishing everyone a great day!

I’m here working and patiently waiting to help anyone who has questions or needs guidance. Whether you’re just starting to think about buying a home or you’re ready to take the next step, I’m always happy to help.
Feel free to reach out anytime—I’m here for you whenever you need me!

Christopher Harod MLO
Loan Officer | NMLS #2745567
4070 Columbia Rd. Ste 240
Martinez, GA 30907
M: 864-888-7542
Company NMLS #3274|Equal Housing Opportunity
States Licensed in: GA, FL, NC, SC

05/28/2026

CSRA Housing Market Update
The market here in the CSRA continues to shift into a more balanced pace—and that’s creating opportunities on both sides
More homes are available
Buyers have more choices than we’ve seen in a while
Home values are still holding steady overall
Negotiation opportunities are improving
What does that mean right now?
Buyers are seeing less pressure and more flexibility
Sellers can still win—but pricing and preparation matter more than ever
The right strategy is key in today’s market
This isn’t a slow market—it’s a more normal, healthier market.
If you’ve been thinking about buying or selling, now is a great time to get a plan in place and understand your options.
As always, I’m here to help however I can

Christopher Harod MLO
Loan Officer | NMLS #2745567
4070 Columbia Rd. Ste 240
Martinez, GA 30907
M: 864-888-7542
Company NMLS #3274|Equal Housing Opportunity
States Licensed in: GA, FL, NC, SC

This Market Update and similar such communications are for informational purposes only and are based on publicly available information. These materials are general communications, which are not impartial, and are provided solely for discussion purposes, and not in connection with any product or service offering. The opinions and views expressed in this Market Update are as of the date of this communication and are subject to change. Any forward-looking views and statements contained in this Market Update are based on current estimates or expectations of future events or results. Actual results may differ materially from those described in this Market Update. The views expressed in this communication should not be attributed to Guild Mortgage Company as a whole and may not be reflected in the strategies and products offered by Guild Mortgage Company.

Christopher Harod MLO

06/02/2026

06/01/2026

06/01/2026

06/01/2026

05/29/2026

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05/28/2026

05/28/2026

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