Cindy Hayden Marks - Howard Hanna Real Estate Services

05/07/2026

Do you want 2% off your interest rate? I'd hope so! If you make below 80% of the Area Median Income for your county, you could potentially buy or refinance with this program!

Call me for more details!

Or book a call here: https://calendly.com/stephen-harless/quick-chat

05/06/2026

Preapproval is key to finding a new home. It makes sure we are looking in the right price point and comfort zone in payment for your future home.

Today's Myth...

You should find a house before talking to a lender.

That sounds logical, but it’s actually backward.

Talking to a lender first helps you understand your real budget, your payment options, and what loan programs fit before emotions get involved.

Pre-approval also strengthens your offer and helps avoid surprises after you’re under contract.

The smoother path usually starts with the financing, not the front door.
Have you talked to a lender yet, or are you still browsing homes?

02/04/2026