Maria Dazet: First Horizon Mortgage NMLS #465967

08/27/2026

Home renovations are surging as the pace of home sales slows, with more people choosing to invest in their current spaces rather than move. This trend highlights changing priorities in today’s housing market.

How do you think these shifts will impact future financial planning and opportunities for homeowners?

Thinking about remodeling? Here's how to pick the right project and nab the best price.

08/25/2026

Shopping for a home in an uncertain market? A rate lock is a guarantee that your interest rate won't increase during a set period, helping protect your budget from rate volatility while you look for a home.

When considering a rate lock, be sure to ask your lender about:

1. Lock periods and which timeline fits your situation.

2. Costs or fees associated with locking or extending.

3. Float-down options if rates decrease.

4. The rate lock process, from application to closing.

Contact me to discuss the rate lock options available in your area. We can work together to help you choose the right strategy for your timeline.

08/18/2026

Forget the outdated guideline of buying a home that costs roughly 3x your annual income.

Modern home affordability isn't about a multiplier. It's about finding a monthly payment that fits comfortably within your overall budget, while ensuring you have flexibility for other expenses and the enjoyable things in life.

Ready to find a mortgage plan tailored to your life? Let's connect, and I can walk you through your options.

08/11/2026

Refinancing is typically worth considering based on two main criteria:
1. Whether current interest rates are lower than your existing rate.
2. How long you plan to stay in your home.

Unsure if you should refinance? Send me a message and we can work together to review your options.

08/06/2026

5.0 star review received on Experience.com for Maria Dazet by Miguel A J - Maria is a professional

Click to see all 57 reviews of Maria Dazet, Mortgage Loan Officer

08/04/2026

Understanding your homebuying power involves more than a simple calculation. It requires an assessment of what your income could realistically support when you factor in debt, savings, where you want to live, and interest rates.

To explore what mortgage affordability could look like at various income levels, check out our guide: https://bit.ly/4pYFW1N

07/28/2026

Buy a house now or wait? A useful framework is to "date the rate, marry the house." This strategy involves buying the right home at today's rates, with the plan to refinance later if rates drop.

Check out some examples of how to implement this strategy properly: https://bit.ly/4fD31lL

Reminder: Don't risk your financial future on uncertain rate changes. If you can barely afford the house, you're not dating the rate.

Connect with me today to explore your purchasing power.

07/22/2026

5.0 star review received on Experience.com for Maria Dazet by Brian J R - The web based tool was very easy to use.

Click to see all 56 reviews of Maria Dazet, Mortgage Loan Officer

07/21/2026

Getting ready to take a step toward homeownership? A solid down payment can unlock doors. The more you put down, the lower your monthly payment, the less interest you'll pay over time, and the sooner you'll build equity.

Check out some tips on how to prepare for your down payment: https://bit.ly/4xf08Pp

Contact me today for personalized support and to learn about First Horizon's Automatic Savings Service that could help you build your down payment fund.