Christopher Langston, Branch Manager, Mortgage Investors Group NMLS 1967222

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Maryville, TN
Christopher Langston, Branch Manager, Mortgage Investors Group NMLS 1967222

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Unlocking Your Dream Home:
Where mortgages meet the magic of the movies! NMLS #1967222 - MIG NMLS #34391
Equal Housing Opportunity
www.nmlsconsumeraccess.org

People will always be buying homes, but that doesn’t mean everyone understands the technicalities and legalities of the homebuying process. That’s why I believe the mortgage lending business is a necessary one; and it’s why I’m excited to be part of making what could be a tedious process a phenomenal experience instead. My background in managing call centers taught me how to build secure and reliable relationships with clients over the phone. Those skills served me well as a member of MIG’s Digital Lending team, where I was the first contact between our company and a potential client and will continue to serve me in my role as Sales Manager and Loan Officer in the Maryville office. I knew of MIG’s strong reputation in the community for being the best at what it does. Now, I put my energy into continuing that tradition of sharing lending expertise that brings our customers peace of mind. When I’m not educating borrowers about the mortgage loan process, I enjoy spending time with my wife, Moneek, our daughter, Sydney, and our pets. I love movies and music and can carry conversations exclusively in pop culture references if need be. I’m a huge Jacksonville Jaguars fan, but try not to write me off too quickly – I’m loyal to my hometown team. I look forward to assisting you with your current or future mortgage loan needs. I hope to hear from you soon. NMLS #1967222, AL #79595, AR #122982, FL , GA #1967222, MS #1967222, NC -193715, SC -1967222, TN #211476, KY , MS #1967222 VA -69385VA

10/29/2026

The Fed held rates steady yesterday. So mortgage rates should be dropping, right?

Not exactly. And yesterday's announcement is a pretty good example of why.

The Federal Reserve voted 10 to 2 to keep its benchmark rate unchanged at 3.75% to 4.00%.

Here's the interesting part. The two members who disagreed actually wanted to RAISE rates.

Why? Inflation is still running higher than the Fed would like, and the economy continues to show strength.

So what does that mean for mortgage rates?

The Fed doesn't directly set mortgage rates. They're influenced by the bond market, inflation, and what investors believe is coming next.

Yesterday, Treasury yields moved higher following the announcement. This morning, they've pulled back a little.

That's how quickly things can change, even when the Fed doesn't make a move.

For anyone waiting to buy a home, my advice is pretty simple. Let's look at your budget, your financing options, and what you're comfortable paying each month instead of trying to predict what rates will do next.

And for my Realtor friends, if your buyers are asking whether they should wait for December's Fed meeting, let's talk through their options together.

The headlines are one thing. Understanding what they actually mean for your situation is another.

10/28/2026

Let’s talk about mortgage rates. Because I know that’s what everyone really wants to know. 🐘

One of the biggest misconceptions about mortgage rates is that there’s one rate everyone can get.

The truth? Your rate depends on several factors, including your credit score, loan type, down payment, and when you lock it in.

Here’s something that doesn’t get talked about enough. The lowest advertised rate isn’t always the best deal.

Discount points, lender fees, and closing costs can make a big difference in what you’re actually paying.

So before you compare your rate to something you saw online or what your neighbor got, make sure you’re comparing the full picture.

If you’ve been putting off buying a home because of interest rates, let’s talk. You might have more options than you realize.

Speaking of rates, the Fed meets today, and I know plenty of people are wondering what that means for mortgages.

Here’s a little spoiler: A Fed rate decision doesn’t automatically mean mortgage rates will follow.

I’ll break down what happened and what it means for homebuyers tomorrow. 🎬

🐘 Behind the scenes: No elephants were harmed in the making of this post. Mostly because the elephant is AI. The exhaustion, unfortunately, is real. This photo was taken after Marshall discovered Dollywood makes you get back in line for the carousel, even if you’ve already ridden it four times.

10/27/2026

Mortgage rates can change daily, sometimes even throughout the day. So if you’re shopping around, here’s a little advice:

Make sure you’re comparing quotes from the same day and looking at more than just the interest rate. Closing costs, points, and lender fees matter, too.

And remember, your rate isn’t locked until you’ve actually locked it with your lender.

The good news? You don’t have to figure it all out on your own. That’s what I’m here for.

Whether you’re buying your first home, looking at your next one, or just trying to understand your options, I’m always happy to help you make sense of the numbers.

10/26/2026

You may not need a mortgage today, tomorrow, or even next year. That’s perfectly fine with me.

I don’t expect every conversation to turn into business. Sometimes it’s just answering a question, sharing some advice, or staying in touch.

Whenever the time comes, I’d love the opportunity to help.

Until then, see you in the future! 🎬

10/23/2026

Friday plans? Maybe a little house hunting this weekend? 🏡👀

If you've been scrolling through houses online and wondering whether you could actually afford one, there's a good way to find out!

Getting prequalified can help you understand your buying power, explore your options, and feel more confident when you find a house you love.

Whether you're ready to start touring homes or you're just curious about what's possible, I'm happy to help you figure out where to start.

No pressure. Just real answers and a plan that makes sense for you.

📲 Call or text me at 865-851-5723. Let's find out what's possible!

10/22/2026

What if the house you love isn't as far out of reach as you think?

Before you lower your homebuying budget, let's talk about something a lot of buyers don't know to ask about.

Seller concessions.

Let's say you're buying a house and the seller agrees to contribute $10,000 toward your closing costs.

Most people would probably just use that money to cover the expenses of closing. But did you know there are other ways to use it?

Here are three options worth looking at.

1. Lower your monthly payment for the first two years with a temporary 2/1 buydown. The seller contributes money upfront to help cover part of your mortgage payment during those first two years.

2. Eliminate monthly mortgage insurance on an eligible conventional loan by using some of that money to pay for the insurance upfront instead.

3. Keep more of your savings by having the seller cover eligible closing costs and prepaid expenses.

You might even be able to combine some of these options.

Same house. Same $10,000. Different ways to make that money work for you.

This is why I like running the numbers before you make an offer.

Sometimes the answer isn't finding a cheaper house. It's figuring out whether there's a better way to structure your mortgage.

I'm not suggesting anyone stretch their budget to buy a house they can't afford. I just want buyers to know what options are available before they cross a house off their list.

So here's my question.

If a seller offered you $10,000, would you rather use it to lower your monthly payment or keep more cash in your pocket at closing?

If you're thinking about buying, let's run the numbers and see what makes sense.

10/21/2026

Happy Back to the Future Day! 🎬

October 21, 2015 is the day Marty and Doc traveled to the future in Back to the Future Part II.

It’s also the perfect excuse for my favorite movie to meet my day job.

If the residents of Hill Valley had mortgage questions, I imagine it would go something like this.

10/20/2026

Being a dad has taught me a few things I never expected.

Like how much patience it takes to answer the same question 47 times before breakfast. How to stay calm when absolutely nothing goes according to plan. And how sometimes the most important thing you can do is just show up.

Turns out, those are pretty useful lessons in the mortgage business, too.

Buying a home is one of the biggest investments you'll ever make in yourself and your family. There are going to be questions, unexpected challenges, and sometimes a Plan B (or C).

My job is to help you navigate all of it, understand your options, and feel confident about the decisions you're making.

Plus, after negotiating with a toddler, mortgage questions don't seem nearly as intimidating.

I had a little fun putting together some lessons from a few of my favorite movie and TV dads. Some funny, some meaningful, and all pretty relatable.

Take a look through the pictures and tell me...

Who's your favorite movie or TV dad? I know I left some good ones out!

10/19/2026

A little holiday money AND potentially no mortgage payment in December? 🎄🎬

Here's a mortgage tip you might not know!

If you've been thinking about a cash out refinance, you may be able to use some of your home's equity to help with holiday expenses, pay down higher interest debt, or tackle something on your wish list.

Here's the other part you might not realize. Depending on when your refinance closes and funds, you could have no mortgage payment due in December, with your first payment on the new loan due in January!

Now, that doesn't mean a free mortgage payment. Your existing loan still has to be paid off, interest is accounted for, and refinancing needs to make financial sense.

But if you've already been considering tapping into your equity, this could be worth exploring before the holidays.

Want to see what your options look like? Give me a call or shoot me a text. I'm happy to run through the numbers with you.

📱 865-851-5723

10/16/2026

Rock, paper, scissors, mortgage edition. ✂️🪨📄

If you’re waiting for the perfect mortgage rate, you might be playing a game nobody knows how to win.

The goal isn’t to time the market perfectly. It’s to find a home and a monthly payment that make sense for you.

Because the best time to buy isn’t necessarily when rates hit a certain number. It’s when the numbers work for YOU.

Address

203 S. Cusick Street
Maryville, TN
37804

Telephone

+18654706245

Website

http://www.mortgagemovieguy.com/

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