Andrew Chisholm Loan Officer Hanover Mortgage

Hey everyone, so this past Fed meeting rates were held steady. However, there is a lot of optimism that rate reductions could start in March, and we could possibly see five total rate reductions on the year! We have seen some improvement in rates already as some of this news has been factored into the current market. If you are looking at purchasing a home, I would be glad to talk with you and strategize on the best options or plan of action going forward. Also, if you purchased a home in the end of 2023 and have a higher interest rate, reach out to me and we can track the interest rates and determine the best time for a refinance. We are a mortgage broker so we have a large variety of lenders to price your loan to and find the best rates.

Here's what to know about the Fed's first rate meeting of 2024 The Federal Reserve kept its benchmark rate steady at its first meeting of 2024. Here's what it means for your money.

Hey everyone! There is a great program that one of our lenders has going on right now where you put 1% down and the lender pays the other 2% of your minimum (3%) downpayment. Also, there is $0 PMI on the loan even though you aren't putting 20% down. This is a loan program for anyone purchasing a single family home so if you or anyone you know is looking for a home I would be glad to help. If you have any questions or want to know more details just reach out to me. There is a picture with a few more details about the income requirements but just give me a call if you have any questions.

Hi Everyone,

If your looking for a property and need assistance reach out to.
Kelly Eubanks Kommel here is a little information about her.

Kelly is passionate in pairing her clients with the perfect home to compliment their lifestyle. She specializes in luxury condominiums, working with new construction and custom home builders, destination homes, first time home buyers and investors alike. Kelly attributes her extensive marketing knowledge and strong negotiation skills, large client database and extensive list of exceptionally strong client relationships with enabling her to match product with her clients quickly and efficiently.
Kelly is dedicated to achieving the highest possible price for your home. She is diligent when pricing your home for sale and uses exclusive marketing tools to place that SOLD sign on your home. Her determination and work ethic is unstoppable and her professionalism with her colleagues is well known among her peers.
Having lived in the south for over 8 years, Kelly is originally from the Chicago suburb of Schaumburg, Illinois. She resided in Las Vegas for 20 years and lived on the island of St Maarten in 2015. Kelly has been a contributing member of several successful executive sales teams involving prestigious real estate projects such as the Trump International Hotel & Tower in Las Vegas and Savannah Quarters in Pooler, Georgia. Her top professional rankings in previous real estate sales roles are attributed to her dedication to client service, enthusiasm and genuine care for her clients. She holds an Associate Broker license with Rawls Realty in Savannah, Georgia and Greenville, South Carolina and a Broker Salesperson license with General Realty Group LLC in Las Vegas, NV.

Whether you are searching for your first home, second vacation home, looking to build your dream home, relocating or ready to sell your current home or investment property, Kelly is ready to work together with you to meet your goals TODAY!

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kelly kommel testimonial 2 vimeo 1080p 2 James and Lora

Hey everyone if your looking for a home inspector to do an inspection before you sell your home or if you are buying a home I would reach out to Joseph Stromberg. His company is Veteran Owned and operated. He uses a drone to inspect the roof better and also thermal imaging. Check out his website below!

Joe The Handy Home Inspector | Home Inspections | 196 South Carolina 153, Powdersville, Greenville, S.C. 29673, USA Joe The Handy Home Inspector may identify the need for major repairs or builder oversights, as well as the need for maintenance. Offer Mold and Radon Testing.

If you know someone looking for some insurance needs Lynn Fretwell with State Farm is a good source below is her bio and some contact information.

847-651-5810
[email protected]

Lynn is an insurance and financial services professional with over a decade in the industry. Her background in education laid the foundation for her desire to help people understand not only insurance and personal finance, but how and why to implement products that will help to ensure their financial well-being. Her personal mantra is “If it’s important to you, you will find a way. If not, you will find an excuse.” She believes both physical and fiscal fitness are keys to success and enjoys helping others accomplish their goals.
Lynn graduated from Furman University (B.S.) and Virginia Commonwealth University (M. Ed.). In her spare time, she trains for and competes in triathlons and road races and enjoys traveling the world any chance she gets.

Hey everyone, just a quick outlook of interest rates for 2023. The Fed is in talks of increasing the anticipated rate increases for 2023. If you are looking to purchase a home or refinance an investment property this would be a great time before rates increase! Andrew Chisholm Loan Officer Hanover Mortgage Let me know if I can help!

Fed’s Jerome Powell says interest rates likely need to rise more than expected The remarks were his first since inflation unexpectedly jumped in January and the government reported an unusually large increase in payroll jobs for that month.

Congratulations to my most recent buyers! so happy for them! they are starting off 2023 as new homeowners!

Hey Everyone, some positive news! Inflation eased this last month to below 8% which has improved the mortgage rates this morning. If you just went under contract on a home or were looking at buying a home, rates have gotten significantly better as of this morning. I would definitely recommend re-pricing the loan. If you or someone you know may need help with re-pricing or getting approved. I would be happy to take a look and see what I can do. Being a Broker gives me a great advantage of pricing to multiple lenders for you. Let me know how I can help.

Inflation Dips Below 8% Annual Rate in October, Beating Expectations The drop will not deter the Federal Reserve from its campaign of higher interest rates.

Congratulations to just a few of my recent buyers on finding and purchasing homes in this market. I was glad to help all of them through the process and get them the best deals available. It was a pleasure to make some new friends. It is still time to purchase a home before interest rates continue to rise! If you are looking to purchase a home reach out to me and I will be glad to help you through the process. Andrew Chisholm Loan Officer Hanover Mortgage Logan Perkins

Congratulations to my recent buyers on finding and purchasing homes in this market. I was glad to help all of them through the process and get them the best deals available. It was a pleasure to be able to work with some good friends from back in college and to make some new friends. It is still time to purchase a home before interest rates continue to rise! If you are looking to purchase a home reach out to me and I will be glad to help you through the process. Andrew Chisholm Loan Officer Hanover Mortgage

Hey everyone,
The one question everyone seems to keep asking me is "will house prices and rates slow down?" Well as you have probably seen in the news interest rates continue to rise. Rates are anticipated to be increased by the Fed another time or two in 2022 and more in 2023-2024 The last rate increase in May 2022 was .5 a point increase which is the largest increase since May of 2000. As far as home prices declining there is no exact answer for that, but it looks as though prices will level out some if the housing inventory increases, but the home prices could continue to rise higher before they finally level out because of the current housing shortage and high demand right now. South Carolina was in the top 3 states with the most new residents last year. (high demand). However, we were also in the top 5 for the state with the most building permits drawn (per capita). Which means there is a lot of new construction being done to hopefully get rid of our housing shortage issue.

So how can I help:

1. Help you get competitive financing for the purchase of your home by quoting your loan to multiple different lenders to find the lowest interest rates and having your offer be cash backed which gives you the opportunity to compete with cash buyers.

2. Cash-out refinances can help you pay off higher interest bearing loans, credit card debt, student loans, lower your monthly fixed costs and increase your cash flow, or if you need some extra cash to invest or remodel your home.

3. Refinance out of hard money lender's loans that have higher interest rates on your investment property or primary residence.

I work for a mortgage broker so we have very competitive rates and we can find you the best deal. Message me if you have any questions or would like help

Which States Are Seeing The Most Home Development? | BigRentz We used U.S. Census data to determine which states have the highest and lowest rates of approved building permits and what types of homes are being built.

So happy for my clients! They had a long process with the homebuilder, but they reached out to me at the end and I was able to solve the problem for them and help them close on their home in time. Made some great friends! Let me know if there is anyway I can help you with your home purchase!

Congratulations to my buyer on purchasing her first home in South Carolina! Was glad to help her through the process and get her the best deal possible. It is still time to purchase a home before interest rates continue to rise as well as home values. If you are looking to purchase a home reach out to me and I will be glad to help you through the process. Andrew Chisholm Loan Officer Hanover Mortgage

Hey everyone! I know this has been a crazy week with everything going on in Russia and Ukraine, but this war has affected rising interest rates in the US. Rising rates have slowed temporarily and have improved a little so If you are thinking about purchasing a home or refinancing there is some time to take advantage of the interest rate improvement. I would be happy to help you through the process or answer any questions you may have. Let me know how I can help you!

Hey everyone,
There is still time to refinance your home before rates rise. Rates are anticipated to be increased by the Fed 3 times in 2022 and more in 2023. Refinances can be very beneficial in multiple ways.

1. A Refinance can help lower your interest rate, drop your PMI, and lower your monthly mortgage payment.

2.Cash-out refinances can help you pay off higher interest bearing loans, credit card debt, student loans, or if you need some extra cash to invest or remodel your home.

3.Refinance out of hard money lenders loans that have higher interest rates.

I work for a mortgage broker so we have very competitive rates and we can quote out your loan to multiple different lenders to find you the best deal. If your looking to purchase a home I can do that loan for you as well. Message me if you have any questions or would like help.

Now is the time to lock in any type of loan that you plan on doing whether it be a car loan or a home mortgage. The Fed is anticipating three interest rate hikes in the year 2022. Which originally there was not supposed to be any rate hikes until 2024. There is also talks of 2 more rate hikes in 2023. Inflation is still very high so the Fed will continue to try and offset inflation by raising the interest rates.

If you are thinking about refinancing or purchasing a home, there is still time to do so before rates rise. Let me know if I can help you purchase or refinance your home!

https://www.cnbc.com/2021/12/15/the-majority-of-fed-members-forecast-three-interest-rate-hikes-in-2022-to-fight-inflation.html

The majority of Fed members forecast three interest rate hikes in 2022 to fight inflation Every quarter, members of the committee forecast where interest rates will go in the short, medium and long term.

Congratulations to Billy and Tracy on purchasing there home!! I had the privilege of working with them and getting to know them. It is always rewarding helping homebuyers get their dream home. If anyone has any questions about purchasing a home or refinancing their home feel free to reach out to me! It is still a great time to refinance as I was able to help four other borrowers to refinance this past month.

Hey everyone interest rates are starting to slowly rise if you are looking to purchase a home or refinance now is the time before rates go higher! I have had numerous clients refinance to get a lower rate and term and numerous clients do a cash-out refinance to pay off debt and increase there monthly cash flow. Also my clients that are refinancing will never have to refinance again. There is a product called recasting and it can lower your monthly mortgage payment. (If you want to know more about this give me a call or send me a message).

Who can I help buy a home or refinance today before rates go higher?

Congratulations to Marissa on refinancing her home!! I had the privilege of working with her to save money and increase her cash flow. If anyone has any questions about refinancing their home feel free to reach out to me! Also if you are looking to purchase a home I would be glad to help you through that process as well!

Congratulations to Justin on refinancing his home!! I had the privilege of meeting him and helping him through the process. If anyone has any questions about refinancing their home feel free to reach out to me! Interest rates are still very low and with home prices increasing many of my clients have been able to get rid of PMI. Also if you are looking to purchase a home I would be glad to help you through that process as well!

Congratulations to Ruben and Ellie on refinancing their home!! I had the privilege of meeting them and helping them through the process. If anyone has any questions about refinancing their home reach out to me! Interest rates are still very low and with home prices increasing you could get rid of PMI.!

Congratulations to Will and Rebekah Harrison on refinancing their home!! I had the privilege of being able to lower their interest rate and help them save money each month on their mortgage payment. If anyone has any questions about refinancing their home reach out to me! Interest rates are still very low and with home prices going up you could get rid of PMI.!

If you or anyone you know is looking to buy a home or refinance feel free to reach out to me! I may be able to help you save money each month on your mortgage payment, do a cash out refinance to lower debt, and help lower your current mortgage interest rate.

I have had the privilege of helping a few people to refinance already and have enjoyed making life easier for them. Interest rates are very low and you may be able to get rid of PMI insurance as well! I would love to be able to help! Who can I help refinance today or buy a home?

Happy Independence Day!! Wishing you all a happy 4th!

If your looking to save money each month on your mortgage payment a refinance may be a great option! Interest rates are very low and you may be able to get rid of PMI insurance! If you or anyone you know is looking to refinance feel free to reach out to me. Who can I help refinance today?

I had the great opportunity of working with Kyle Johnson at Brand Name Realty on getting Luke Fletcher into his first home! Congratulations Luke!! If you or anyone you know is looking for a home feel free to reach out to me. Who can I help get pre-approved today?