Michelle A. Waugh

12/25/2025

Merry Christmas from all of us at Mitzy’s People!

As we reflect on this season of hope, generosity, and love, we want to extend our heartfelt gratitude to each of you — our donors, volunteers, board members, and supporters — who make our mission possible.

Because of your kindness, compassion, and belief in the power of uplifting women, many lives have been touched this year. Your time, resources, encouragement, and prayers allow us to continue creating spaces where women feel seen, supported, and empowered to move forward with confidence.

This season reminds us that true impact is made through community — and we are deeply grateful to walk this journey with you.

May your holidays be filled with peace, joy, and meaningful moments with those you love. We look forward to continuing this work together in the year ahead.

With sincere gratitude,
Michelle Waugh
Founder & Executive Director
Mitzy’s People
Elevating women, one at a time.

02/11/2023

Just for you today…..

How To Win as a Buyer in Today’s Housing Market [INFOGRAPHIC]

In today’s housing market, you can still be the champion if you have the right team and strategy. To win as a buyer, you need to build your team, make strategic plays, consider what’s in and out of bounds, and stand out from the crowd. DM me to make your game-winning play.

Some Highlights In today’s housing market, you can still be the champion if you have the right team and strategy. To win as a buyer, you need to build your team, make strategic plays, consider what’s in and out of bounds, and stand out from the crowd.

02/10/2023

Just for you today…..

Why It’s Easy To Fall in Love with Homeownership

There are many reasons why it’s easy to fall in love with homeownership. If you’re ready to find the home of your dreams, let’s connect.

02/09/2023

Just for you today…..

Number of Homes for Sale Up from Last Year, but Below Pre-Pandemic Years

The biggest challenge in the housing market right now, and likely for years to come, is how few homes there are for sale compared to the number of people who want to buy. That’s why, if you’re thinking about selling your house, this is a great time to do so. Your house would be welcome in a market that has fewer homes for sale than it did in the years leading up to the pandemic.

According to the latest Monthly Housing Market Trends Report from realtor.com:

“There were 65.5% more homes for sale in January compared to the same time in 2022. This means that there were 248,000 more homes available to buy this past month compared to one year ago. While the number of homes for sale is increasing, it is still 43.2% lower than it was before the pandemic in 2017 to 2019. This means that there are...

The biggest challenge in the housing market right now, and likely for years to come, is how few homes there are for sale compared to the number of people who want to buy. That’s why, if you’re thinking about selling your house, this is a great time to do so. Your house would be welcome in a mark...

02/08/2023

Just for you today…..

How Experts Can Help Close the Gap in Today’s Homeownership Rate

As we celebrate Black History Month, we reflect on the past and present experiences of Black Americans. This includes the path toward investing in a home of their own. And while equitable access to housing has come a long way, homeownership can be a steeper climb for households of color.

We know it’s more challenging for some to buy a home because there’s still a measurable gap between the overall average U.S. homeownership rate and that of non-white groups. Today, the lowest homeownership rate persists in the Black community.

Homeownership is an essential piece for building household wealth that can be passed down to future generations. However, there are obstacles in the homebuying process that can negatively impact certain groups. This can delay or prevent many from achieving...

As we celebrate Black History Month, we reflect on the past and present experiences of Black Americans. This includes the path toward investing in a home of their own. And while equitable access to housing has come a long way, homeownership can be a steeper climb for households of color. It’s an i...

02/07/2023

Just for you today…..

The Top Reasons for Selling Your House

Many of today’s homeowners bought or refinanced their homes during the pandemic when mortgage rates were at history-making lows. Since rates doubled in 2022, some of those homeowners put their plans to move on hold, not wanting to lose the low mortgage rate they have on their current house. And while today’s rates have started coming down from last year’s peak, they’re still higher than they were a couple of years ago.

Today, 93% of outstanding mortgages have a rate at or below 6%. That means a strong majority of homeowners with mortgages have a rate below what they’d get if they moved right now. But if you’re a homeowner in that position, remember that mortgage rates aren’t the only thing to consider when making a move. Your mortgage rate is important, but there are plenty of reasons you may still need or want to...

Many of today’s homeowners bought or refinanced their homes during the pandemic when mortgage rates were at history-making lows. Since rates doubled in 2022, some of those homeowners put their plans to move on hold, not wanting to lose the low mortgage rate they have on their current house. And wh...

02/06/2023

Just for you today…..

Did you know that, on average, home prices appreciated by 288.7% nationwide over the last 32 years? That means homeowners grew their net worth significantly in the long run. DM me so you can start your journey toward homeownership today.

02/05/2023

Just for you today…..

Mortgage rates peaked at over 7% a few months ago and have been gradually coming down since. As that shift opens the door to homeownership for more people, it’s important to understand what a lower rate means for you and your bottom line. DM me today so we can talk about your goals.

02/04/2023

Just for you today…..

You May Not Need as Much as You Think for Your Down Payment [INFOGRAPHIC]

Many people believe you need to put down 20% of the purchase price when you buy a home. But recent homebuyers actually put down far less on their purchase. And with programs like FHA loans, VA loans, and USDA loans, some qualified buyers are able to put down as little as 0-3.5%. DM me to make sure you have a trusted lender and can find out if you’re ready to buy a home sooner rather than later.

Some Highlights Many people believe you need to put down 20% of the purchase price when you buy a home. But recent homebuyers actually put down far less on their purchase. And with programs like FHA loans, VA loans, and USDA loans, some qualified buyers are able to put down as little as 0-3.5%.

02/03/2023

Just for you today…..

Mortgage Rates Historically Decline in Recessions

Two in three economists are forecasting a recession in 2023, but you don’t need to fear the word recession when it comes to the housing market. Let’s connect so you always have the latest insights as the housing market changes.

02/02/2023

Just for you today…..

Should You Rent Your House or Sell It?

You may be thinking about using your current house as a short-term rental property instead of selling it. A short-term rental (STR) is typically offered as an alternative to a hotel, and they’re an investment that’s gained popularity in recent years. According to a Harris Poll survey, 28% of homeowners have considered using a rental service to temporarily rent out their home for additional income.

Owning a short-term rental can be a tempting idea, but you may find the reality of being responsible for one difficult to take on. Here are some of the challenges you could face if you rent out your house instead of selling it.

>>A Short-Term Rental Comes with Responsibilities

Successfully owning and renting a house takes work. Think through your ability to make that commitment, especially if you plan to use a platform that advertises...

If you’re a homeowner ready to make a move, you may be thinking about using your current house as a short-term rental property instead of selling it. A short-term rental (STR) is typically offered as an alternative to a hotel, and they’re an investment that’s gained popularity in recent years....

02/01/2023

Just for you today…..

Lower Mortgage Rates Are Bringing Buyers Back to the Market

As mortgage rates rose last year, activity in the housing market slowed down. Now, however, rates are beginning to come down—and buyers are starting to reenter the market.

So, if you’ve been planning to sell your house but you’re unsure if there will be anyone to buy it, this shift in the market could be your chance. Here’s what experts are saying.

>>Mike Fratantoni, SVP and Chief Economist, MBA:

“Mortgage rates are now at their lowest level since September 2022, and about a percentage point below the peak mortgage rate last fall. As we enter the beginning of the spring buying season, lower mortgage rates and more homes on the market will help affordability for first-time homebuyers.”

>>Lawrence Yun, Chief Economist, National Association of Realtors (NAR):
“The upcoming months should see a...

As mortgage rates rose last year, activity in the housing market slowed down. And as a result, homes started seeing fewer offers and stayed on the market longer. That meant some homeowners decided to press pause on selling.