John Bailey Loan Officer

08/14/2025

Having a great time out at the home builders conference at Boyne.

The speakers have been great and it's always good enjoying the sunshine with my old man!

08/02/2025

A little working for the weekend today to help more clients get into their dream home!

07/30/2025

The Federal Reserve announced today they're keeping rates steady at 4.25%-4.50%—the fifth consecutive hold. While the FED wont be dropping rates our silver lining is we did have two members rebut this restrictive approach during the FOMC meeting and vote for a .25% rate cut. We don't often see dissent in these meetings so we have a good chance rate cuts will be part of the FOMC discussion during the September meeting prior to their next decision.

Thankfully last few weeks have been great for pricing improvements for interest rates, but if you have any questions about mortgage rates or market movement you can contact me anytime 😊👍

07/28/2025

Had a great end to the week with a smooth closing on one of my loans. My clients were cleared for closing a week earlier than expected with a rate that makes sure their cashflow is secured.
If you're looking for a great rate and a no headache process for buying or refinancing your home send me a DM anytime and I'll bring some hustle so I can earn your 5 star review too. 😎

07/18/2025

Hey Everyone! I’m hosting a free home budgeting workshop on Monday, August 5th at 6pm at the downtown Pontiac library (160 E Pike St #2225).

This is all about helping folks in the community get a better handle on finances — budgeting, managing debt, and planning for the future.

We would love for you to join us, so bring a friend, bring questions. hope to see you there! 😊

04/16/2025

Had the chance to host a first-time homebuyer course at the Pontiac Library, and it was a great experience. We talked through ways families can access banking tools to help reduce closing costs—even when liquid funds are limited.

One of the parts of this job I truly enjoy is being able to educate and empower people. This group brought great questions around credit, budgeting, and understanding the loan process—and I’m always grateful for the opportunity to help people feel more confident as they move toward homeownership.

Appreciate everyone who showed up and engaged. Community work like this matters—and I’m looking forward to doing more.

04/09/2025

Stopped into Euro Brunch Coffee this weekend and had a great start to the day—blueberry crepes and a solid cup of coffee.

It’s always nice finding local spots that just get it right. Definitely worth checking out if you’re in the area and want a low-key place to sit and enjoy something good.

03/19/2025

New recipe cooking a little oxtail for dinner !

01/15/2025

📊 Inflation Update: What You Need to Know!

The latest CPI report shows inflation ticked up to 2.9% in December, driven by rising energy costs. However, core inflation (excluding food and energy) held steady at 3.2%, signaling underlying price pressures are stabilizing.

This news influenced the markets:
📉 Treasury yields fell, making borrowing conditions more favorable.
📈 Stocks surged, with the S&P 500 and Nasdaq both gaining over 1.5%.

What does this mean for you? Now might be a great time to review your financial goals or consider locking in mortgage rates before the market shifts again.

Let’s connect to discuss how these changes impact your plans!

12/21/2024

 so grateful to have the support of my Realtor partners after all my hard work in 2024.

Can't wait to make 2025 even better and get more people into their dream homes!

A special shoutout to John Bailey for staying on top of everything, every step of the way. Your commitment and partnership mean the world!

Here’s to trust, collaboration, and building even stronger relationships in 2025.


John Bailey -Loan Officer
Edge Home Finance

Suad Bunic
Love My Hometown Realty
864.214.6647

03/11/2024

Had an amazing time at closing with my Client Jessica and our agent Kimberly Bow-Sunde Realtor and am so grateful for the opportunity to represent Jessica as well as the review she left. It was a more complex case since she had recently started her own business but we were able to work together over the last few months and negotiate with a lender to allow an income exception.

Income calculations can be tricky with lenders and rarely calculates to the monthly value you would expect. If your looking to purchase this year and would like a free income review please don't hesitate to contact me as income miscalculation can cost time and money you don't have to spare in the home purchase process.