Home Loans with Hollie

07/21/2026

Shopping mortgage rates won't wreck your credit, but a lot of buyers don't believe that. So they take the first quote they get and overpay.

Here's how it actually works. Multiple lenders pulling your credit inside a short window (usually 30-45 days) count as one inquiry for scoring purposes. The models were built this way on purpose, so shoppers don't get penalized for doing the smart thing.

The drop from a single mortgage inquiry is small to begin with. Often around 5 points and it recovers quickly.

At PRMI we lend with certainty. Give me a call to discuss what options are available to you. 3024239392

07/15/2026

🎉 Got a promotion? Congratulations

👉 Before you start house hunting, here's what to know:
✔️ Your income type matters (salary, hourly, bonus, or commission)
✔️ Lenders review income based on mortgage guidelines
✔️ Your buying power may have changed

Call me at 📲 302-423-9392 to review your new income and explore your home financing options. 🏡

06/17/2026

When a lender says "we can buy down your rate," there are two very different things they might mean, and the difference matters a lot.

A temporary buydown (often a 2-1) lowers your rate for the first year or two, then it climbs back up to the full rate. Your payment is smaller early, bigger later. Useful if you expect your income to grow or you plan to refinance.

A permanent buydown uses discount points to lower the rate for the entire life of the loan. You pay more upfront in exchange for a lower rate forever. The math works if you stay in the house long enough to break even, usually several years.

These are different products solving different problems. Neither is automatically better. Give me a call to discuss if either would be the best option for you! 302-423-9392

04/08/2026

March Top Producer 🏡
✨Blessed ✨
Thank you to all my referral partners who have stuck by me through a challenging part of my life to make this happen. I am so grateful to still be doing the things I love and making dreams come true in the process!

Thank you to my clients for trusting me to help them with the most important purchase of their lives!

03/11/2026

Congrats to this new class of grads. I’m excited to see all that they will achieve in real estate. 🏡

03/05/2026

🚨 Big News for Buyers & Realtors! 🚨

Starting March 5, the Homebuyers Privacy Protection Act helps protect buyers from getting flooded with calls and texts from random lenders after their credit is pulled.

✅ Fewer trigger leads
✅ Less unwanted solicitation
✅ Smoother transactions
✅ Stronger client trust

This is a win for homebuyers and referral partners.

If you have questions about how this impacts your next purchase, refinance, or listing - let’s connect! Call me at 📲 3024239392

A few other ways to stay protected too ⬇️
OptOutPrescreen.com (or call 1-888-567-8688) to opt out of prescreened credit and insurance offers

DoNotCall.gov to register for the Do Not Call Registry

03/05/2026

💰 Getting a tax refund from the IRS this year?
What if you used it to buy a home instead of spending it? 🏡

Your tax refund could help cover:
✔️ Down payment
✔️ Closing costs
✔️ Paying off debt to boost buying power
✔️ Moving expenses

Your refund isn’t just extra cash - it could be your first step toward building long-term wealth.
*Closing costs and fees may still apply.

Got Questions? Reach out to me at 📲 3024239392 to learn more!

02/27/2026

Another successful real estate math session in the books. 📚

02/12/2026

This would be a game changer in the housing market for Delawareans. 🏡

Homes are expensive. For many Delaware families, the biggest hurdle is not just the mortgage, but the thousands of dollars due at closing.

I am proud to serve as the Senate sponsor of HB 286, alongside Representative Lyndon Yearick, to reduce and in many cases eliminate the State’s realty transfer tax on residential properties.

This bill eliminates the State realty transfer tax entirely for homes valued at $350,000 or less. For homes valued between $350,000 and $500,000, it gradually reduces the State’s rate by one-quarter percent per year over four years.

That means real savings for Delaware families and first-time homebuyers who are already stretching their budgets to make homeownership possible.

If we are serious about affordability, we have to be serious about lowering the upfront costs of buying a home. This is a practical step in the right direction.

01/29/2026

Who can be on the loan, title, or contract? 🏡
It depends.

Certain situations need extra review, such as:

✅Married borrower with one on the loan
✅Co-signers
✅Non-occupant co-borrowers

Planning early helps avoid surprises at closing. I am here to help guide the process.

Got Questions? Reach out to me today at 📲 3024239392 for more info! -borrower