Melissa Hayes Southern Bank of TN

01/10/2026

📊 Mortgage Rates Update — January 2026! 🏡

Hey friends! Just a quick snapshot of where mortgage rates are sitting as we kick off 2026 — and there’s good news for folks watching the market 👇

🔹 30-year fixed mortgage rates are hovering just below 6% range, significantly lower than where they were a year ago. 
🔹 15-year fixed rates are in the mid-5% range, offering even more attractive options for those looking to pay down their mortgage faster. 

📉 What does this mean?
✨ Rates are near their recent lows, and still well below last year’s levels, making this a positive environment for both homebuyers and refinancers. 
✨ Although we’re not heading back to the super-low rates of the past decade, rates currently just below 6% are still historically reasonable and worth considering if you’re planning to buy or refinance.

🔍 Whether you’re curious about buying your first home, trading up, or thinking about a refi, now’s a great time to explore your options.

📩 Contact me anytime if you want help reviewing what these rates could mean for your specific situation — happy to break it down with you!

12/01/2025

Experience the Magic of the Season with Santa at Southern Bank of TN

09/17/2025

📉 Mortgage Rate Update 📉

Rates just dropped by 0.25% — and even a small shift can make a big difference in your payment.

💡 Here’s an example:
• $350,000 loan → Save $55–$65/month
• $500,000 loan → Save $90–$100/month
• Over 30 years, that’s tens of thousands in savings

If you’ve been waiting to buy or considering a refinance, now could be the time to take advantage of this drop.

📲 Let’s talk about what this means for your go!

08/15/2025

Congratulations to Floyd & Anj on their big move to Tennessee and their beautiful new home! 🏡✨
A huge thank you to Traci & Anthony Ardovino for the referral—your trust means the world! 💛
Nothing beats a little teamwork to make dreams come true. 🤝

07/25/2025

If your home once felt full and now feels... a little too quiet, you’re not alone. Many families are thinking about downsizing, simplifying, or finally finding that "just right" space for the next season of life.

Whether it’s:

🏠 A low-maintenance home near the grandkids

🏠 A right-sized place with fewer stairs and more comfort

🏠 Or your dream kitchen and porch for weekend visitors

Our in-house mortgage team can help you make a confident move without the big-bank runaround. Local decisions. Personal service. Expert guidance that meets you where you are.

Let’s talk about what’s next. https://ow.ly/xGG050Wiu3q

Member FDIC | Equal Housing Lender | NMLS # 812333

03/17/2025

Happy St Patty’s Day 🍀

01/10/2025

What an honor to work at one of the top Banks ✨Southern Bank of TN

Newsweek and Plant-A Insights Group are proud to present America's Best Regional Banks and Credit Unions 2025. This ranking honors institutions utilizing a community and customer-centric approach to make a big financial impact in communities across the country.

12/31/2024

As 2025 begins, this special family is starting a new chapter as homeowners❣️. I am honored to have helped this family with their mortgage needs, and I appreciate the referral from Mindy Hampton at Keller Williams Realty ❤️.

Send a message to learn more

12/31/2024

As 2025 begins, this special family is starting a new chapter as homeowners❣️. I am honored to have helped this family with their mortgage needs, and I appreciate the referral from Mindy Hampton at Keller Williams Realty ❤️.

12/25/2024

I wish you all a very Merry Christmas and a blessed New Year 🎄🎁

12/21/2024

It's been a busy December! I appreciate all the referrals. I enjoy attending closings and witnessing the excitement of a home buyer. Congratulations 🎉