Michael Brosmith - Raleigh Premier Mortgage NMLS# 111343

08/14/2025

Most homebuyers focus on *the rate*… but the truth is, the rate isn’t the whole story.

✅ Monthly payment
✅ Cash to close
✅ How long you’ll keep the loan

Those matter just as much—sometimes even more.

In this quick video, I’ll show you how a slightly higher rate could actually leave you with **\$11,000 more in your pocket at closing**.

I’m Michael Brosmith with Raleigh Premier Mortgage, and my job is to make sure you see the *full picture* so you can make the smartest financial decision for your goals.

🎥 Watch the video here 👇

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Rate vs Payment

07/28/2025

Why Mortgage Rates Change Daily

07/18/2025

Answering the question should you buy now or wait for mortgage rates to drop

07/14/2025

🏡 **Triangle Listings on the Rise!**

Good news for homebuyers: listings in the Triangle are UP 4% month-over-month. That means more options, more opportunities, and a little less competition out there.

If you've been waiting on the sidelines for more inventory, this could be your moment to make a move.

Curious about what you can afford in today’s market or need to get pre-approved? I’m just a call or message away.

01/06/2025

I was so happy to help Shachar R. make their homeownership dreams come true! 🏡✨ Hearing feedback like this reminds me why I love what I do. From navigating the mortgage process to tackling every challenge that came our way, it was truly a team effort—and I’m so glad we got the deal closed smoothly.

If you’re looking for someone who’s got your back every step of the way, I’d be thrilled to help you too. Let’s make it happen! 🚀

01/02/2025

🏡 Home Prices: The "Slow and Steady Wins the Race" Update 🏡

Here’s the latest buzz on the housing market! According to the S&P Case-Shiller Home Price Indices (a trusted source tracking home values for over 30 years), home prices are still climbing—but at a much more relaxed pace. Think of it as the housing market finally taking a deep breath.

✅ Prices are up, but not as quickly. Nationally, home values increased 3.6% compared to last year. That’s a slower growth rate than last month’s 3.9% and the 4.2% jump we saw the month before. In other words, price hikes are cooling off, but they’re not going anywhere.

📈 Still breaking records. The National Index just hit its 17th consecutive all-time high! Only Tampa and Cleveland saw slight dips last month, while the rest of the country continued to hold strong.

💡 As Brian D. Luke from S&P puts it: Prices may be slowing, but they’re still holding steady at record levels, even when adjusted for inflation. Sure, it’s not the breakneck pace we saw earlier in the decade, but hey, slow and steady can still win big.

What does this mean for you? 🧐

Whether you're looking to buy your first home, sell for top dollar, or just curious about what’s next, the housing market is steady and full of opportunities. Prices aren’t skyrocketing, but the value is still there—perfect for savvy movers and shakers.

✨ Stay informed, stay ready! The housing market changes every day, and knowledge is key. Keep an eye on trends, and if you’re curious about how this impacts your next move, reach out to someone who can help you navigate it all.

🚪 After all, there’s never been a better time to find the door to your dreams. 😉

12/19/2024

🌟 Big news from the Fed! 🌟

The Federal Reserve just announced its third consecutive rate cut, lowering its key interest rate by 0.25%. This brings the rate back to the range of 4.25%-4.5%, the same as December 2022.

Why does this matter? Lower rates can influence everything from mortgages and auto loans to credit cards. However, mortgage rates rose after the announcement, and the stock market dipped sharply, with the Dow dropping over 1,100 points. These moves weren’t entirely unexpected, as markets had already been anticipating the Fed’s cautious tone on future cuts.

If you’re wondering how these changes could impact your mortgage plans, I’m here to help! Let’s explore the best options for you in this shifting rate environment. Reach out today and let’s chat! 📞🏠

10/15/2024

🌟 **Thrilled to Help Another Homeowner!** 🌟

Thank you, Jim, for the kind words! It was a pleasure guiding you through the mortgage process and finding the perfect fit for your first home. Your trust means everything!

Need mortgage guidance? Let’s connect!

09/09/2024

When mortgage rates fall faster than your confidence in a DIY project! 🎈🏡 Who needs a parachute when you're landing deals this low?