Tami Pilgrim Mortgage Advisor

02/05/2026

Buying a home is getting more affordable, and this graph helps explain why.

It shows how much of a household’s income typically goes toward buying a home. As a general rule, spending 30% or less of your income on housing is considered affordable.

For the last couple of years, the math was still well above that threshold. But lately, things have been getting better thanks to a mix of lower mortgage rates, slower home price growth, and rising wages.

While affordability isn't going to snap back overnight, the trend is finally moving in the right direction.

If you want to talk through what this means for your buying power, send me a message and let’s break it down.

02/03/2026

Mortgage rates dropping to a 3-year low isn’t just a headline.

For many buyers, where rates are now could be the difference between watching from the sidelines and finally getting the keys to their next home.

If you’ve been waiting for a sign to re-run your numbers and see what’s possible now, this is it.

Let’s take a look at what today’s rates mean for your budget and your options.

If you’re one of the thousands of homebuyers waiting for rates to fall, you should know it’s already happening.

10/31/2025

Admit it – you’re kind of afraid of today’s mortgage rates, aren’t you?

Here’s the bone-chilling truth. The difference between buying a home at today’s typical rate (around 6.2%) and waiting for 5.99% is about $50 a month on a $400,000 loan. That’s not the game-changer many buyers think it is.

And with home prices still projected to rise in many markets, waiting for a rate in the 5’s could cost you more in the long run. That’s an eerie situation you don’t want to be in.

Because once rates dip below 6%, more buyers will be back in the market, and you could be left in the dark when competition increases, inventory tightens, and negotiating power starts to fade.

So, if you’re ready, don’t be scared of today’s rates. Now might actually be the moment to make your move while others are still waiting for “perfect” conditions to appear.

10/31/2025

Wishing you a fang-tastic Halloween! Whether you’re trick-or-treating or staying in, we hope your night is filled with spooky fun and sweet treats. 🕸️🍬

10/29/2025

Why are some homes selling and other sitting, especially as more houses have hit the market this year?

The difference isn’t luck. It’s strategy.

With more homes to choose from and pickier buyers, the ones that are priced right, prepped well, and marketed effectively from day one are getting offers. And those homes are selling.

If this is your year to move, there’s one thing you should know: the right local agent with an expert, proven strategy can help your house sell in any market.

When you’re ready to learn more, let’s talk. No commitment, just information you can use to call your shot.

10/27/2025

The Ruraliving Home Mortgage Program offers competitive products to help secure financing for rural properties. 🌾 I understand the unique attributes that often challenge those looking to buy in rural areas and can help you figure out if this is the best option for your goals!

10/21/2025

Seeing chatter online that’s making you wonder if home prices are about to fall? Here’s some information that’ll put your mind at ease.

Over 100 housing experts agree prices are projected to rise nationally for at least the next five years. And even the most pessimistic of those forecasters are not calling for a crash, or even a decline.

Now, the pace of that price growth will vary by market. Some areas will climb more than others. Some may see small, short-term declines. But the big picture is: expect slow, continued growth.

And that’s not a crash. That’s a market getting closer to what’s normal.

Want to see what’s happening with prices where you live? DM me.

10/17/2025

Have you heard how much this year’s shift in mortgage rates could save you?

Monthly mortgage payments are now $280 lower than they were just a few months ago.

For some buyers, that’s the kind of change that can take buying a home from “not yet” to “let’s go.”

It’s the best affordability we’ve seen in 2.5 years.

If you want an estimate of what a mortgage payment could look like at your price point in our market, comment “LET’S GO” and I’ll run the local numbers for you.

10/15/2025

Exciting News! We are now offering a new Down Payment Assistance program called Chenoa Fund. Chenoa offers 3.5% or 5% down payment assistance for FHA loans. Want to learn more and find out if you qualify? Give me a call!

10/09/2025

Just like autumn leaves, mortgage rates are falling- and it’s the perfect time to make your move. Whether you’re buying your first home or refinancing, I’d love to talk about how you can take advantage of the changing season. Contact me today!