Stacey Ballog The Mortgage Exchange

01/11/2026

Thinking of moving to Florida?
Thinking of buying a 2nd home or investment property?
I am licensed not only in Indiana but Florida too as well as a homeowner in both states!
Give me a call to get preapproved !

01/03/2026

Indiana & Florida… call today! New Year New Home!

01/01/2026

Perspective is everything. Right now, everyone's waiting for rates to drop.

"I'll buy when rates get back to normal."

But what if 'normal' isn't what you think it is?

Let's talk about what mortgage rates have actually been throughout history:

1970s: Average rate around 8-9%
1980s: Hit 18.45% (yes, eighteen)
1990s: Hovered around 8-10%
2000s: Dropped to 6-7%
2010s: Historic lows of 3-4%

The 3% rates of 2020-2021?

That wasn't normal. That was a once-in-a-lifetime anomaly.

What everyone's calling "high" right now is actually what our parents' generation considered standard.

And they bought houses.
And built wealth.
And didn't wait for the "perfect rate."

Here's what they understood that we've forgotten:

You're not marrying the rate.
You can refinance when rates drop.

But you CAN'T refinance:

The price you paid (it's going up)
The equity you missed (appreciation compounds)
The rent you paid (gone forever)
The time you lost (can't get it back)

The buyer who waits for rates to drop misses this:

When rates drop, prices spike.

The buyer who acts now gets:

Negotiating power (less competition)
Better price (sellers are realistic)
Immediate equity building

Then refinances when rates drop
Wins twice

"Historically high" and "historically normal" are very different things.

We've been spoiled by historic lows.

Now we're back to historic norms.

And historic norms still create millionaires.

12/31/2025

From Indiana to Florida.. thank you to all my referral partners & homeowners!! Happy New Year!! If you are looking to purchase a home in Indiana or Florida in 2026 call me now so you are preapproved & ready to go!
Lending you 🏠 home!

12/31/2025

Lending you home….

Call me for any of your mortgage needs…

Happy New Year’s Eve!

12/24/2025

12/19/2025

Ready for that vacation home? Ready to move? Ready to become a snowbird? Give me a call!

12/12/2025

Call me & let me help you find your Florida Home!
Don’t wait for Santa!
Get preapproved today!

12/11/2025

https://staceyballog.zipforhome.com/

Thinking of buying a home within the next 6 months? Click the link and let’s start the pre-approval process now. Let’s set you up for the best home loan possible for your situation so when you find the home 🏠 of your dreams you are ready to go!