Nicole Lawrence-Mortgage Loan Officer/Consumers Credit Union

08/27/2026

63 days.

That’s how long the average home is sitting on the market.
And about 40% of homes have already had a price reduction.

So, here’s my question for listing agents:
What if you had another lever to pull besides dropping the price?

There are creative ways to structure seller concessions that may give a buyer a much more meaningful payment benefit than a simple price reduction.

I’m sending my agent partners an email today about one of those strategies. Keep your eyes out!

If you’re an agent and want to get more creative in this market, let’s talk. I want to help you have more tools in your toolbox.

08/23/2026

As the school year kicks off, I know life gets busy—new routines, homework and plenty of excitement. Whether you’re settling into a new home or dreaming of one, I’m here to help make the transition smooth.

Looking for a mortgage that fits your family’s needs? Let’s talk!
✅ Personalized guidance
✅ Competitive rates
✅ Support every step of the way

Ready to start your journey? Send me a message!

Here’s to a successful school year for you and your family! ✏️

08/03/2026

🎯 Goal: Help 5 families become homeowners with our newly added MSHDA program before the end of the year! Know someone who thinks they can't buy because they don't have a down payment? Tag them, message me, or send them my way! 🏡💙

07/16/2026

Find your way home with a down payment assistance loan of up to $10,000! Contact me to learn more and see if you qualify.

06/04/2026

This makes me so excited! When I first started in mortgages, I asked my mom, ‘How will I stand out?’ And she told me, ‘You love explaining things and helping people understand.’

Every day, I lean into that- leading my clients with clarity and honesty, so they feel truly confident in their choices.

Reading a review like this reminds me why I do what I do. ♥️ Thanks for letting me be part of your journey!

04/29/2026

The buyers who feel the most confident in this market usually know their numbers before they start shopping.

That PERFECT home always seems to pop up at 9am on a Sunday and offers are due by noon. 😂

Knowing your payment comfort zone and financing options ahead of time makes the process way less stressful — and helps you move quickly when the right house pops up.

Confidence comes from being prepared. 🤍

Text or call ☎️ 231.638.9477 to set up a quick chat for you or your client

03/23/2026

Realtor friends!

We’re rolling out a 7-year ARM TODAY with improved pricing, and it’s a great option to help with affordability right now.

If you have buyers who are close but need a better payment to make things work, let’s take a look at it together. Always happy to help you find a good fit for your clients.

03/11/2026

A peek at life outside of mortgage

Farryn and her handsome boy, Ford.

03/11/2026

03/11/2026

If buyers aren’t moving forward right now, it’s rarely the market.
It’s usually the plan.

Most hesitation comes from uncertainty around payments, timing, or what options actually look like. When those things feel unclear, even the right home can feel like the wrong time.

Clarity creates confidence.

For buyers, that means understanding your numbers and options before you make a move.

For agents, it means your clients feel comfortable and prepared when they’re ready to write an offer.

If you want to tighten up a plan, feel free to message me. I’m always happy to help talk things through.