Randy Warren - Home Buyer Coach & Mortgage Lender

05/25/2026

10/31/2025

HOMEBUYERS, Don't get locked out again!!
What's up with interest rates? In the midst of wall-to-wall media coverage about the government shutdown, the Federal Reserve Board decision on interest rates was essentially a non-event. But, for all who care, here's what happened. The Fed .25% rate cut was only the second cut this year, with the first being a .25% cut in September.

While these directly affect banks' prime rate based loans, the cuts do not directly impact mortgage rates, although mortgage rates have trended downward over recent weeks. What's next? Another Fed announcement comes in December, but Chairman Powell is not tipping his hand. And, looking forward to mid-2026, Powell's term as Chairman will end and the chances are strong that more robust cuts will be rolling out as Powell exits. Expect mortgage rates to drop, too.

So what should potential homebuyers do? We only have to look back just a few years for the answer. Interest rates were fantastic then, but those low rates shut the door on multitudes of buyers, especially first time buyers!! The reason... supply and demand. There were far more want-to-be buyers than homes for sell, sending home prices much higher and creating bidding wars that led to buyers paying thousands more than appraised value. Many were shut out of the market back then... and it could very well happen again as interest rates move down in 2026.

So, what's the answer? Well, I've been coaching more and more people and the answer is not the same for everyone. So, here's my offer: Contact me privately and let's talk about your specific situation. There's no cost or commitment. There is a 100% privacy promise and my absolute no hassle guarantee. NMLS #500738
[email protected] AskMrMortgage.com 256.679.2684

08/05/2025

🏡 NEW LISTING❗
📍211 POWELL STREET, GURLEY, AL 35748
💰$325,000

Charming full-brick ranch home nestled on a spacious 1.12-acre lot. Enjoy the warmth of a cozy fireplace and the elegance of wood floors throughout. The kitchen boasts beautiful granite countertops, perfect for cooking and entertaining. Surrounded by mature trees, this property offers a peaceful, country feel with the convenience of city living. Located just minutes from interstate access, schools, and shopping, this home blends tranquility with accessibility. A rare find combining comfort, charm, and prime location! Welcome home!

HOME FEATURES:
🛏 3 Bed
🛁 2 Bath
🏡 1.12 Acre Lot
📐 1,643 Sq. Ft.
🚘 2 Car Garage

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For private viewings or any questions, please get in touch with us through the email or phone number below. 👇

Susan Baldwin - Associate Broker/Realtor®
📞 (256) 653-8999
✉ [email protected]
Keller Williams Realty, Horizon

03/25/2025

Nice getaway!

08/09/2024

Open House Tomorrow!!! 🏡

Welcome to this charming 3br/2.5ba one level home located in Bakers Farm within the Priceville School district. The open floor plan seamlessly connects the living room, dining area and kitchen creating an inviting space for entertaining. The crown molding and wood floors add warmth and character throughout. The dedicated study provides a quite retreat. The primary suite features a large master bath with a separate shower, a Safe Step Walk In bathtub and an oversized walk-in closet. Large backyard with a new privacy fence. Enjoy relaxing at the community pool and clubhouse. Easy access to I-65 Huntsville, Decatur and Hartselle.

Jenny Smith | 256-318-3106
Tim Baker Team - EXP Realty Northern Branch

06/28/2024

MLS /a, 4 beds, 3 baths, 3,500 square feet, 1 acre,

04/25/2024

Rare opportunity!

04/13/2024

Good opportunity in Madison city!

Luxury living awaits in this impeccably maintained 5-year-old executive home in Madison City. This chef's kitchen features granite counters, butler's pantry, high-end appliances, and a spacious island. The living space offers a hearth room, private office on the first level, and an extra office/loft...