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It isn’t uncommon to reflect as the year is ready to turn to the next chapter. We often go into thought about our most memorable moments of the year, the things we’d do differently, our biggest lessons and greatest areas of growth. I imagine that this year, especially for those of us in the mortgage and real estate industry, the desire to reflect is stronger than ever. As many are eagerly waiting for a new year and a fresh start, I’m choosing to exit 2022 with a great sense of humility, pride, and more intense focus on our mission for the year ahead. I am incredibly proud of a few of the creative offerings we were able to roll out this year to help folks out in this unprecedented market.

With the help of our team, we rallied against high inflation, historic interest rate hikes and have seen the highest amounts in credit card debt in more than 20 years. We collectively pivoted quickly, by understanding both the nuances of the market and the best strategies to help solve problems for today’s homeowners, homebuyers, sellers, and realtors.

When high inflation hit, we created a Buy Smart Program, which is a grant that helps clients put down $2,500 towards a down payment. The best part of this program is that our borrowers never have to repay it back.

As we tracked Jerome Powell’s interest rate hikes, our team came up with an Easy Start Program to combat the stress of extra expenses and we found a way to put money back into your pocket. We were able to offer a program allowing clients to reduce their interest rate by 2% in the first year and 1% in the second year, putting our clients in a better financial situation than they anticipated when seeking options late in the year. . This gives first-time homebuyers the opportunity to have a smooth start as we set them up for a healthy financial future.

For those who discovered that their credit was not in good standing, a division of our team dedicated themselves to find ways to help re-establish our client’s credit. I have many touching stories from the year, but the testimony shared in last week’s newsletter is my favorite. For those who think they need to rent forever…we take pride in letting them know their homeownership dream is a few steps away, and we’re going to be by their side to help them get there.

We have all been in the situation of having some form of credit card debt, albeit we need some debt to be in good standing with our credit agencies. However, most don’t recognize they are in a position of debt until it’s too late. Without having to do a Cash-Out Refi, we have a HELOC Program that will be a game changer for you and your family’s financial future. We are experts in this category. Most hadn’t thought about a HELOC in years, and now it’s another viable option.

We were not kidding that when the market shifts, we shift and will always be ready to help. So, as we close out 2022…its normal to sometimes focus on how things may not have gone the way we wanted them too but choose to find the good in the year too. What came from the adversity? I can’t help but feel proud of our team and all we have accomplished and built together. As we ring in the New Year and all its challenges from a position of strength and with a mindset of how we could better in the face of change and challenge, I encourage you to find the passionate commitment to see opportunities where others see roadblocks. Don’t be afraid of trying new things and making yourself uncomfortable. Together we will do great things.

Wishing you and your family a happy, healthy, and prosperous New Year!