Greetings and welcome to my March 2025 newsletter!
The mortgage market has been anything but predictable lately, with recent ups and downs creating a dynamic landscape for homebuyers and homeowners.
These shifts bring both challenges and unique opportunities, and I’m here to help you navigate them.
Plus, I’m thrilled to share some exciting updates about our community efforts, including a new partnership with Forsyth Central High School—my alma mater.
Read on for the full scoop!
Market Watch: Understanding Today’s Volatility
The mortgage market has been on a roller coaster lately. Recently, we saw rates hit their lowest point of the year, triggering a surge in refinance applications. However, this was quickly followed by market changes that pushed rates back up to some of the highest levels we’ve seen this year.
This volatility is largely driven by fluctuations in the 10-year treasury bond, which continues to respond to economic news and global events. For potential homebuyers, this unpredictability underscores the importance of acting when rates are favorable.
What this means for you: If you’re planning to purchase a home this year, getting pre-qualified now gives you a clear picture of your buying power in today’s market. We know where rates are today, but we can’t predict where they’ll be next week or next month.
Learn more about why now is the time to get pre-qualified.
Competitive Advantage: Low Transaction Volume
Despite Georgia’s significant population growth, we’re seeing historically low transaction volumes in the housing market. Many homeowners are sitting on substantial equity positions and choosing not to sell.
This creates a unique advantage for buyers in today’s market:
- Appraisers have more availability and can complete reports quickly
- Closing attorneys have more capacity in their schedules
- Our processing and underwriting teams can move files through faster
With this increased capacity, we’re now able to offer full pre-underwriting for our clients. Rather than simply pulling credit and providing a preliminary approval, we can submit your file to underwriting with a “to be determined” (TBD) property address.
This means you’ll emerge with full underwriting approval for a specific loan amount (for example, $400,000), and all we’ll need to complete your loan is a contract and an appraisal.
This positions you to close in as little as 7-10 days – creating an offer that can effectively compete with cash buyers.
Contact me to learn how quick pre-approval can strengthen your offer.
Ready to secure your loan? Apply now in just a few clicks!
Community Spotlight: Forsyth Central high School
I’m proud to share that we’ve recently established a partnership with my alma mater, Forsyth Central High School.
Last week, I had the privilege of conducting mock interviews with graduating seniors, helping them sharpen their interviewing skills by reviewing their cover letters, resumes, and thank-you notes.
The experience was truly rewarding, and I was impressed by the students’ preparation and professionalism.
This interaction also led to an exciting new partnership with the school.
Read more about our community involvement.
Exclusive Benefit: Mortgage Investors Group National Affinity Program
We’re pleased to announce that Forsyth Central High School has signed our affinity agreement, creating a valuable employee benefit for their staff and teachers.
Through this program, when school employees choose Mortgage Investors Group for their mortgage needs, they’ll receive a $1,500 credit toward closing costs.
Program Benefits:
- Save up to $1,500 in Mortgage Investors Group lender credits
- Access to an extensive range of mortgage products
- Competitive rates from top mortgage originators
- In-house processing
- Comprehensive education and guidance
Claim Using Code: Mortgage Investors Group1500
This initiative reflects our commitment to supporting educators in our community. Looking forward, we hope to expand this program to benefit teachers and staff throughout the entire county education system.
Learn more about the Mortgage Investors Group National Affinity Program.
Mortgage Options to Fit Your Needs
Mortgage Investors Group offers a wide range of mortgage solutions to meet various home buying needs.
Here’s a quick snapshot of their services:
- Conventional Loans: For buyers with good credit and a stable income. Requires a more moderate down payment.
- FHA Loans: Great for first-time homebuyers with a low down payment. Has more flexible requirements allowing easier qualification.
- VA Loans: For active service members, veterans, and surviving spouses. 100% financing with little to no down payment, and flexible credit requirements.
- USDA Loans: For low-to-moderate income buyers purchasing in a USDA designated area. 100% financing available.
- State Bond Programs: For buyers in GA or TN only. Programs offer down payment and closing cost assistance with 100% financing available.
- Down Payment Assistance: Many local programs provide down payment grants and assistance loans that may even cover your closing costs.
Explore our mortgage options in detail.
Contact Information
To learn more about the Mortgage Investors Group National Affinity Program or to begin the pre-qualification process, please contact:
Adam Buice
Loan Officer | NMLS #1619090 | MIG NMLS #34391 404-416-6380
[email protected]
www.AdamBuice.com
Ready to secure your loan? Apply here in just a few clicks!