Michael Haigh at Envoy Mortgage NMLS #200819

08/13/2026

🏡 Employers — Want to Offer Your Employees a Homebuying Benefit at No Cost to Your Company?

Through Loan Advantage, employers can provide employees access to valuable mortgage benefits, including:

✅ Up to a $5,000 mortgage credit
✅ Affordability credit programs
✅ Permanent mortgage payment reduction options
✅ Personalized homebuying and refinancing guidance

It can be a meaningful addition to your employee benefits package — helping employees with one of their biggest financial goals: homeownership.

There is no cost to the employer.

If you’re a business owner, HR professional, or benefits manager, I’d be happy to show you how the program works.

Let’s talk.

06/24/2025

A growing number of homeowners are overestimating today’s market. ​And that’s why the number of sellers dropping their price is back at normal levels.​

A lot of the time this is happening because they’re not paying attention to current conditions. The best way to avoid that mistake? Lean on the expertise of an agent.

If you want a proven pricing strategy that works for today's market, let's connect.

A growing number of homeowners are overestimating today’s market. And that’s why the number of sellers dropping their price is back at normal levels.

06/23/2025

There are a lot of things out of your control right now. But building a life in a space that’s truly yours? That’s still possible with the right strategy and expert help. Let’s talk about how to make it happen.

What would it mean for you to finally have a place to call your own?

Life can feel a bit unpredictable these days. What’s happening with inflation? The economy? The housing market? But in the middle of all that uncertainty, there’s one thing a lot of people still crave – a place to call their own.

06/19/2025

This summer brings a powerful combo for buyers: more homes to choose from, less competition, and sellers being more flexible on pricing. If you’re ready to make a move, let’s connect.

What would finding the right home this summer mean for your next chapter?

Are you thinking about buying a home, but not sure if now’s the right time?

06/18/2025

Maybe your current house fit your life five years ago. But that “for now” house you bought in 2020? It just can’t deliver on what you need in 2025. And that’s not just okay, it’s normal.

Mortgage rates are part of the equation, for sure. But the bigger question is:

What kind of home do you need to support the life you’re living now?

Let’s talk about what’s changed, and what kind of move would actually take your life forward.

It’s hard to let go of a 3% mortgage rate. There’s no question about it. 

06/17/2025

There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.

And if you want to give your savings a boost, look into down payment assistance. Most first-time buyers qualify and the typical benefit is $17,000.

To learn more about your loan options or down payment assistance programs, connect with a trusted lender and check out downpaymentresource.com.

There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.

06/16/2025

Having the right agent and the right strategy is key in a shifting market. Let’s connect so you don’t have to take this on solo – and so you can list with confidence, knowing you’ve got expert guidance from day one.

Selling your house without an agent as a “For Sale by Owner” (FSBO) may be something you’ve considered. But you should know that, in today’s shifting market, more homeowners are deciding that’s just not worth the risk.

06/13/2025

Have you been holding off on downsizing? If so, you should know your equity could make your move possible.

Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment.

To find out how much equity you have in your current house, let's connect. Because it may be enough to fuel your move.

Have you been holding off on downsizing? If so, you should know your equity could make your move possible.

06/12/2025

If your house didn’t sell and your listing has expired, you don’t need to give up. You just need a better plan. And a better partner.

Over 70% of homeowners who switch agents sell their house after re-listing it. That’s not a coincidence. That’s strategy.

If you're ready for a proven approach, let’s talk so you know what to do differently – and why doing different things actually works. It’s time to get your move back on track.

When your house doesn’t sell, it doesn’t just feel frustrating – it feels personal.