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Showing posts from October, 2025

Rate Drop Opportunity: What the Fed’s Latest Cut Means for Bay County Buyers — Including Our Veterans

 The Federal Reserve just announced another quarter-point rate cut , lowering its benchmark range to 3.75%–4.00% . For homebuyers across Bay County, Pinconning, and the Tri-Cities, this marks a new window of opportunity. Even a small shift in rates can open big doors for families ready to make a move — or for sellers hoping to attract fresh activity before winter sets in. While the Fed’s move doesn’t directly set mortgage rates, it sends ripples through the entire housing market. According to industry data, the average 30-year fixed mortgage rate has slipped to around 6.3% , the lowest in roughly a year. That’s welcome news after months of affordability challenges that kept many buyers on the sidelines. For buyers, this rate relief can mean more home for the same payment — or simply more breathing room in your monthly budget. For sellers, it often means increased buyer traffic as affordability edges upward. In other words, momentum is starting to shift again just as we move into...

Another Camping Season in the Books: Memories Made, Adventures Awaiting

 As the leaves start to fall and the evenings turn crisp, our family has officially wrapped up another unforgettable camping season. It’s a bittersweet feeling—packing up the 5th wheel one last time for the year, sweeping out the sand and pine needles that tell stories of our adventures. This summer was one for the books, filled with laughter, exploration, and countless moments that reminded us why camping has become such a treasured part of our family life. We kicked off our summer with two incredible weeks at Tahquamenon Falls State Park . Nestled in Michigan’s Upper Peninsula, this park is a wonder of nature—powerful waterfalls, winding trails, and towering trees that make you feel small in the best way. We spent our days hiking along the falls, cooking over the campfire, and soaking in the beauty of the wilderness that seemed to stretch endlessly. There’s something about hearing the rush of those falls at sunset that makes time stand still. Between the big adventures, we made...

“I’ve Got Your Six”: Why I’m Pursuing My Veteran Realtor® Certification

 If you’ve followed my journey for a while, you know that I’ve always believed home is where your story begins. To me, that truth runs deeper than real estate, it’s spiritual. Home represents more than walls and a roof; it’s where families gather, prayers are lifted, and God’s blessings take root. It’s where our stories intertwine with His purpose. While I’ve only been a Realtor® since January 2025 , serving others has been part of my story for as long as I can remember. Before entering real estate, I spent over 20 years with Walmart and 3 years with The Home Depot in various leadership roles. Those experiences taught me patience, humility, and what it truly means to lead by example, to put others before yourself. Looking back, I can see how God used those seasons to prepare me for this one. Whether managing a large team or guiding a first-time homebuyer, my calling has always been to serve with integrity and compassion. I’ve learned that when you lead with a servant’s heart, ...

⚔️ The Battle After the Battle: Facing the Adversity of Change When Leaving the Military

When you step onto that bus to basic training, everything familiar fades away. From that moment forward, your world is stripped down and rebuilt. The military’s purpose is clear: break you down, remove distractions, and rebuild you into someone who can survive, lead, and fight. Every day becomes a test of endurance and obedience. What’s left at the end of that process is a finely tuned soldier — strong, alert, and mission-driven. That transformation is necessary to protect our nation. It teaches discipline, loyalty, and courage. But what many don’t realize is that this same process changes how we think, how we react, and how we relate to the world. We’re trained to confront, not retreat; to act, not hesitate. Those traits make us effective in uniform — but when we come home, they can make normal life feel foreign and overwhelming. The problem is that the military doesn’t really teach us how to turn it off. There’s no decompression process, no systematic way to unlearn what was drill...