Sonya Hall - Mortgage Banker

5.0 star review received on Experience.com for Sonya Hall by Tasha S - This was a smooth process from beginning to the end.

New ★★★★★ 5 Star Experience.com Review by Tasha S Click to see all 106 reviews of Sonya Hall, Sonya Hall | NMLS #431080

Hey friends!!! I was so sad to hear that Thirty One gifts is going out of business. I spend 4 years with the company and they truly are remarkable!

With that said, I am posting a link to a party for you to get last items. In November there will be even more sales. Items are selling quickly so if you have a bag or tote you love, go ahead and order it. I personally love the Cindy Tote, Large Utility Tote and the Organizing Utility Tote.

Here is my link…

https://www.mythirtyone.com/3430?pd=12575282

Call me or dm me with any questions. Your order will be shipped directly to you!

www.mythirtyone.com

Who do you use for Wayer testing other than Environmental Health?

Foster an attitude of gratitude and see great things come to fruition! Being thankful opens the door to new possibilities and blessings. What are you thankful for today?

Mortgage Update: Conforming Loan Limits on the Rise

You may have heard that the Federal Housing Finance Agency (FHFA) is expected to raise conforming loan limits soon…

BUT the official word won’t come until November. SO, here's what you need to know NOW:

Atlantic Bay is already accepting Conforming Conventional loans up to $795,000!

Higher limits = more flexible lending options for you

Ready to explore your home financing possibilities? Let's chat!

Hello, my name is: Your Home Loan Expert
Let’s break the ice and get you closer to your dream home!

5.0 star review received on Experience.com for Sonya Hall by Jeanna P - Sonya is very knowledgeable in what she does. She's transparent, patient, she has a heart of gold..such a sweet person. She explains thing very well and is always a phone call away. I'm glad I got to work with her during this big moment on my life.

New ★★★★★ 5 Star Experience.com Review by Jeanna P Click to see all 105 reviews of Sonya Hall, Sonya Hall | NMLS #431080

5.0 star review received on Experience.com for Sonya Hall by April S - Was very friendly and helpful, also was there to help with any questions or concerns I may had.

New ★★★★★ 5 Star Experience.com Review by April S Click to see all 104 reviews of Sonya Hall, Sonya Hall | NMLS #431080

The Fed just cut rates, but what does that mean for your mortgage?

Changes won’t happen overnight, but the impact is coming! Stay tuned for more updates as the market evolves.

Sonya Hall

This week's rates!

NAR Chief Economist Lawrence Yun reacts to the Fed's half-point rate cut decision.

📢 Fed Funds Rate Cut News – What It Means for Mortgage Rates! 📢

The Federal Reserve cut the Fed Funds rate today, and while that doesn’t directly impact mortgage rates, there’s good news for homebuyers and homeowners – mortgage rates have fallen! 🎉

💡 So, what does this mean for you? Now is a great time to refinance your current mortgage or purchase a new home! Mortgage rates are influenced by the bond market, inflation expectations, and long-term economic trends, not just the Fed’s moves. So even though the Fed cut rates, mortgage rates have dropped independently, making it an ideal time to lock in a lower rate.

📉 Whether you’re buying your first home, upgrading, or refinancing to save on monthly payments, let's chat about how these lower rates can benefit you!

Start your mortgage journey here: www.sonyahallmortgage.com 🔑



(Confidence level: High! Let me know if you need any more info about how these rates affect you!)

Sonya Hall | Atlantic Bay Mortgage Group® | Greenville, NC 27858 Sonya Hall, Atlantic Bay Mortgage Group® | Greenville, NC 27858 is here to assist you as you buy, refinance, or build the home of your dreams.

The Federal Reserve met yesterday and again today, with a decision on interest rates at 2:30PM today. Recently, mortgage rates have been dipping as the market anticipates a 0.25% - 0.50% cut to the federal funds rate, which can indirectly influence mortgage rates. If the Fed announces a larger cut or signals more reductions ahead, we could see even more favorable mortgage rates. Although it’s the federal funds rate that's being adjusted, the ripple effect could be great news for homebuyers.

For current homeowners, refinancing to secure a lower rate or a shorter loan term could save you thousands of dollars in interest over the life of the loan. It’s a great opportunity to explore options that could improve your long-term financial outlook. Stay tuned for the announcement and what it could mean for your mortgage!

Whether you're looking to lower your monthly payments, reduce your loan term, or tap into your home equity, there's no better time to make your move.

Did you purchase your home with Atlantic Bay on or after 10/17/22? You may be eligible for Atlantic Bay’s Lend It Back program! Contact me to learn more about this saving opportunity.



http://www.SonyaHallMortgage.com

Did you purchase with Atlantic Bay on or after 10/17/22?

Good news: Markets have improved since we closed your loan.

You could possibly save money by refinancing, and with Atlantic Bay's Lend It Back program, we'll give you up to $1,000 toward your closing costs.

Contact me to learn more about your saving opportunity.



http://www.SonyaHallMortgage.com

Did you purchase your home with Atlantic Bay on or after 10/17/22? You may be eligible for Atlantic Bay’s Lend It Back program! Contact me to learn more about this saving opportunity.



http://www.SonyaHallMortgage.com

Honoring the courage, resilience, and spirit of those we lost on 9/11. Forever in our hearts.

Sonya Hall

My Why....helping clients navigate the journey with expertise, compassion, empathy and grace so they obtain their "keys" to homeownership...

My Why.....over 30 years lending experience and caring about my clients....

Sonya Hall

My Why....so thankful and blessed to help clients in tough situations...saved this deal and closed in less than 15 days!

My Why....so thankful and blessed to help clients in tough situations...saved this deal and closed in less than 15 days!