Scott Evans

Renovate or Move financing options from The Family Mortgage Team

Renovate or Move? How to Decide What’s Right for You

If your current home no longer fits your lifestyle, you may be asking a question many homeowners are considering: Should I renovate the home I already own, or should I purchase a new one? Perhaps you need another bedroom, a dedicated home office, an updated kitchen, or a more accessible floor plan. You may love

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Home equity concept with miniature houses and stacks of coins representing building home value and borrowing against equity.

You Built the Equity. Now Put It to Work.

For many homeowners, one of the greatest financial resources they have isn’t in a bank account—it’s the equity they’ve built in their home. Thanks to years of appreciation, many homeowners are sitting on substantial untapped equity. Best of all, you may be able to access that equity without giving up the incredible low first mortgage

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Concept image showing a house balanced against weighted blocks on a seesaw, representing the cost-benefit analysis of buying mortgage discount points to lower a home loan interest rate.

What Are Mortgage Points? A Simple Guide to Saving Money on Your Home Loan

If you’ve shopped for a mortgage, you’ve probably heard a lender mention “buying points.” For many homebuyers, mortgage points can feel confusing—but they can be a powerful tool for lowering your monthly payment and saving money over the life of your loan. Here’s what mortgage points are, how they work, and when they may make

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Mortgage & Housing Update – May 2026

Scott’s Perspective  Affordability is a big buzz word lately and for good reason. Housing prices in Atlanta have increased as much as 46% since 2020. In addition, interest rates have gone from 3% to 7%. Combined, monthly payments have increased significantly. The good news for buyers is that home prices have flattened in the last year, and interest rates have dropped from 7% in early 2025 to the low 6% range

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Rent or Buy? The Real Tradeoff Most People Don’t Talk About

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking. With today’s home prices and mortgage rates, renting can feel like the easier path. In some cases, it might even seem like the only realistic option right now. And if

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Mortgage & Real Estate Updates – March 2026

Metro Atlanta Housing Market Snapshot – What Smart Buyers & Sellers Need to Know The Atlanta metro housing market has shifted from the intensity of 2021–2022 into something far more strategic. Inventory has increased across the metro area. Homes are taking longer to sell. Prices have stabilized compared to last year. The median home price

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The #1 Regret Sellers Have When They Don’t Use an Agent

Want to know the #1 thing homeowners regret when they sell without an agent? It’s that they didn’t price their house correctly for their current market. According to the latest data from the National Association of Realtors (NAR), those sellers agree pricing their home effectively was the hardest part of the process. Top 5 Most

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The Price You Set Can Make (or Break) Your Sale

There’s one decision you’re going to make when you sell that determines whether your house sells quickly, or it sits. Whether buyers make an offer, or scroll past it. Whether you walk away with the maximum return, or you end up cutting the price later. And that’s your asking price. The #1 Mistake Sellers Make

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Not Sure If You’re Ready To Buy a Home? Ask Yourself These 5 Questions.

If you’re trying to decide if you’re ready to buy a home in the next twelve months, there’s probably a lot on your mind. You’re thinking about your finances, today’s mortgage rates, home prices, the current state of the economy, and more. And, you’re juggling how all of those things will impact the choice you’ll make. It’s a

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This May Be the Best Time To Buy a Brand-New Home

New home construction today is giving buyers something it feels like they haven’t gotten much lately: a real shot at both the home they want and the deal they need. More brand-new options are on the market right now, and builders are rolling out incentives that make these homes more affordable than many people expect.

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