Andrea Hall, Loan Officer

09/01/2026

🚨There are changes ahead with appraisals. 🚨

PROS

Hopefully, we get a more consistent reporting system as this form is designed to be data specific vs generalizations. All those upgrades will get proper accounting!

CONS

Possible impacts are expected with turn times as these reports take more time. It is also possible we may see a cost increase as well due to this extra documentation.

If you’re interested in more information, please reach out!

07/27/2026

These subdivisions built by large developers have been a topic for discussion for quite some time. Being a way of entry into homeownership with lower costs and significantly lower rates making for first time homebuyer affordability. However on the other side our local communities can’t keep up with infrastructure as quick as they were being built.

Let me know your thoughts on the county’s attempt to slow and better manage growth of their communities.

The final draft of the St. Clair County Subdivision Regulations will officially go into effect on Aug. 15.

07/08/2026

After getting beat on a few offers, I am so excited for my newlywed clients to be under contract on this home they can make their own.

If you know anyone who has just gotten engaged or married and are wondering what their options are for their first home, I would be honored if you would send them my way!

07/04/2026

06/17/2026

St. Clair County is going all out for America's 250th! 🇺🇸

Enjoy our 2026 St. Clair County Fourth of July and fireworks guide and celebrate big for the bicentennial! 🎆 ✨

Springville Area Chamber of Commerce
The Back Porch Restaurant on Logan Martin
Clear Creek Harbor
City of Ashville, Alabama
The City of Pell City
Pell City Chamber of Commerce
Town of Steele
City of Margaret
Greensport Marina
City of Moody

05/13/2026

I have had a lot of people saying they were waiting for rates to come down. After further discussion, they realize that waiting on rates is not always the best strategy. When we combine an estimated 3.5% appreciation, the same home that is $250,000 today would be $267,500 in 2 years and even if rates came down to 5.5% their payment was going to be $1415 which is MORE in 2 years than it would be today at the higher rate of 6.0%.

If you have been on the fence waiting, let's talk through the numbers together to see if it actually makes sense. You can reach me at 205-412-3523.

04/30/2026

So excited for my clients moving back home to be near family!

Some of life’s best moments happen when family is close enough to share the everyday things like coffee on a random Tuesday, kids growing up together, holidays that don’t require plane tickets.

Seeing families choose to come back home has been such a good reminder that distance doesn’t have to be permanent. If you’ve been thinking about moving closer, or hoping your loved ones might, here’s your sign. Home is still here. So are we.

04/21/2026

Do you know someone who gives so much to our community—and might be ready for a place to call their own? ❤️

I’m looking to connect with our local heroes who may be thinking about making a move in real estate. That could be a teacher, nurse, first responder, military service member, or anyone serving others day in and day out.

We have a special program designed to say *thank you* in a tangible way—helping with closing costs and making homeownership a little more within reach.

If someone comes to mind, would you tag them below or send them this post? I’d love to walk alongside them and see how we can help.

There’s something really special about serving the people who serve everyone else. 🙌

04/20/2026

Buyers are gaining something we haven’t seen in a while—leverage.

I’m having more conversations lately where buyers are able to:
✔️ Negotiate closing costs
✔️ Ask for repairs
✔️ Take a breath and actually think through their decision

And here’s the part most people miss—when opportunity shows up, it usually doesn’t come with perfect conditions. Rates may not be at their lowest, but homes are more negotiable. And that combination can create a powerful strategy now… with the option to refinance later.

The goal isn’t to time the market perfectly—it’s to make a wise move when the opportunity fits your life.

If you’ve been wondering what this market could look like for you, I’d be happy to walk through your numbers and give you a clear plan—no pressure, just real answers.

You might be closer than you think. 💛