Michael Thayer, CMPS, CMA

Video transcript

00:00

Most people have the same question right now.

00:03

Is this a good time to buy a house? And honestly.

00:06

With everything that's happened in today's housing market.

00:08

That's a fair question. Rates are changing. Affordability feels tight. Headlines are all over the place. And social media seems to have a different opinion every 5 minutes. One person says, home prices are about to crash. Another says, waiting for rates to drop. Someone else says, buy now! And before you know it.

00:27

Most people don't know what to believe.

00:30

I'm Michael Thayer. I'm a mortgage advisor based in Nashville, Tennessee, serving clients nationwide. And after helping buyers, sellers, investors, realtors, and builders all navigate today's housing market, I've learned some important things.

00:42

The problem usually isn't the market.

00:46

The problem is understanding the opportunity.

00:49

And that's exactly why I built this site. This isn't a mortgage website, it's a resource hub designed to help you cut through the noise by showing you the facts and data sources so that you understand the market and your options.

01:04

And you can make smarter housing decisions with greater confidence. On the site, you're gonna find weekly market and mortgage updates explained in English.

01:13

The Million Dollar Question Series. When is the right time to buy? And more importantly, Why?

01:18

Buyer and seller strategies. Most people never learned.

01:22

Why creating affordability beyond simple price negotiation is a better way to buy a house?

01:28

100% financing and down payment options assistance. Alternative income solutions for self-employed and 1099 buyers. Buy now, sell later strategies. Renovated and construction financing options. Investor and second home financing options.

01:42

modern marketing tools to help realtors and builders sell their listings. Because sometimes.

01:48

The problem isn't the price, people. The problem isn't the down payment. The problem isn't your income.

01:54

And sometimes, the right home just needs the right vision.

01:59

My goal is simple, to help you understand what's possible. So whether you're buying, selling, refinancing, investing, building, or helping clients navigate today's housing market.

02:10

These resources were built for you. So take a look around, explore the tools, dive into the presentations, and when you're ready, schedule a strategy call. Let's build the right plan for your situation. We'll talk to you soon.

One of the most common things I hear today is:

“The housing market just doesn’t work for the average person anymore.”

And honestly… with everything happening right now, I understand why people feel that way.

I’m Michael Thayer, a mortgage lender based in Nashville, Tennessee, serving clients nationwide.

And every day, I talk to buyers, sellers, investors, Realtors, and builders who are all trying to make sense of today’s market.

➡️ Rates are higher and changing daily.

➡️ Affordability is tighter

➡️ The market moves fast.

And between the headlines, social media, and nonstop clickbait…

Most people don’t even know what to believe anymore.

You hear people rant about:

➡️ “Home prices are crashing.”

➡️ “Rates will stay high forever.”

➡️ “Now’s the worst time to buy.”

➡️ “Just wait.”

➡️ “Don’t wait.”

It’s overwhelming.

But here’s the truth: The problem usually is NOT YOU.

The problem is that traditional lending practices and qualification standards, along with the real estate buying process, were created for a different economy.

Dare I say a different decade?

The processes that we follow today haven’t fully caught up to:

➡️ How people earn income today

➡️ How people build wealth today

➡️ Or how quickly today’s housing market moves

And that outdated system leaves many good buyers, sellers, investors, Realtors, and builders feeling stuck… We see people making decisions out of fear rather than strategy.

That’s exactly why we built this page.

This is a resource hub designed to help you cut through the noise and make smarter real estate decisions with clarity and confidence.

Here, you’ll find:

➡️ Weekly market and mortgage rate update, and we help explain the why behind the changes in the market

➡️ Buyer and seller strategy guides that are updated quarterly

➡️ Buy now, refinance later, education

➡️ How to create Affordability and payment planning tools

➡️ Financing strategies for self-employed and 1099 earners

➡️ 2^nd Home & Investor financing strategies & hacks

➡️ Realtor and Builder Playbooks

➡️ And tools designed to improve the visibility of your home, when you are selling…

create affordability when you are buying, and how to increase your buying power, regardless of what the rate is

on any given day.

So whether you’re buying, selling, refinancing, investing, building, or maybe a real estate professional trying to help your clients navigate the market, these resources are here to help you make informed decisions in a rapidly changing market.

So explore the tools, dive into the resources, and when you’re ready, reach out, schedule a strategy call,

and let’s build the right strategy for your situation.

Talk to you soon!