True North Yates Group by SWF

Tennessee friends, this one's for you. 🏡

Saving for a down payment is often the hardest part of buying a home. THDA's Great Choice Plus program can help close that gap with up to $15,000 toward your down payment and closing costs.

There are two ways it can work:

✔️ Amortizing option: up to 5% of the sales price, capped at $15,000, paid back over 30 years at the same rate as your first mortgage.

✔️ Deferred option: $6,000 or $10,000 depending on the option, with no monthly payments. It's forgiven after 10 years if you meet the program requirements.

To qualify, you'll need a minimum 640 credit score, and income and purchase price limits apply. The home has to be your primary residence, and you'll complete a homebuyer education course before closing.

Nobody's path to home is a straight line. My job is to help you find yours and make sure you understand every step along the way. I'm licensed in Tennessee and would love to walk you through whether this program fits your situation.

Send me a message or comment "TENNESSEE" below and I'll reach out. 👇

Shay Yates | Loan Officer | NMLS # 2172921
True North Yates Group, a branch of Southwest Funding, LP | NMLS # 32139
Equal Housing Lender. This is not a commitment to lend. Programs, eligibility, and availability are subject to change and to THDA approval and program terms. For licensing information, go to www.nmlsconsumeraccess.org

Transform your home into an eco-friendly haven! 🏡 Here’s how to make your home more sustainable:

🌿Energy-Efficient Appliances: Upgrade to ENERGY STAR-rated appliances to reduce energy consumption.
🌿Solar Panels: Harness the power of the sun and lower your utility bills.
🌿Water Conservation: Install low-flow faucets and shower heads, and consider a rainwater harvesting system.
🌿Sustainable Materials: Use eco-friendly materials like bamboo flooring, recycled glass countertops, and low-VOC paints.

Start with small changes and make a big impact on the environment and your wallet! 🌍💚

A new season is here. What will you make of it? 🍂

Fall has officially begun, bringing a natural moment to turn the page and settle into what's next.

Maybe that means setting a new goal, starting a project that's been waiting on the list, getting organized before the holidays, or simply making more room for the things that matter most.

Every season brings a chance to reset, refocus, and begin again.

Here's to a fresh chapter and everything still to come. 🍁

Property values have shifted significantly over the past few years, and your home may be worth more than you think.

A professional home valuation gives you:
📊 An accurate picture of current market conditions in your area
🏠 Recent comparable sales data to benchmark your property
📅 A realistic timeline and expected price range
💡 Practical advice on what, if anything, to do before listing

Whether you are planning to sell soon or just curious, understanding your home's current value is always useful information!

Inflation can influence the cost of buying a home. 🏡📈

When inflation rises, interest rates may also increase, which can lead to higher mortgage rates and monthly payments. For homeowners with variable-rate mortgages, changing rates can affect payments over time as well.

At the same time, inflation can put upward pressure on home prices and construction costs, which may contribute to higher property values in some markets and support equity growth for homeowners.

The takeaway? Understanding how rates, home prices, and your mortgage type work together can help you make a more informed decision.

📩 Want to know how current rates could affect your buying power? Get in touch to review your options.

Looking for a family-friendly community with top schools, plenty of activities, and great neighbors?

The right agent can help you find a neighborhood that checks all your boxes—and more.

Finding the perfect fit for your family starts with expert guidance.

Ready to discover your ideal community? Let’s connect!

One thing is certain in real estate: it’s always evolving. 📈

Navigating a changing market can be challenging, but having a knowledgeable agent by your side makes all the difference.

Top advice? Stay flexible, stay informed, and remain open to new opportunities, because the right moment could be closer than you think.

Partnering with an expert who understands the market’s twists and turns ensures a smoother, more confident journey.

Looking for personalized insights on today’s local market? Let’s connect and explore your options!

It’s ok to say you want out….historically when rate jump the number of people who want to be a loan officer dips.. dramatically… and that’s ok! People make career changes all the time!

But… if you’re going to make a career move and stop being a loan officer, don’t leave your clients hanging… connect them to someone you know will take care of them.

Offering bailouts - let our team be your clients hero 😊

Never a bad time to buy… let’s chat and come up with a working strategy to take advantage of the homes sitting on the market longer….

One client got the home for 12k less yesterday, another with 10k in seller paid… there are ways to make buying a home work… once you have the home… we will refi when rates drop….

What’s your auto rate? What’s your credit card rate? Even at the peak of bad, houses aren’t touching unsecured debt rates… never a bad time to be a homeowner…