Melanie Prather-Academy Mortgage

5.0 star review received on Experience.com for Melanie Prather by Erika R. - Melanie was so supportive and great at communicating the entire time! She made this experience very easy and would definitely refer friends and family!

4.5 star review received on Experience.com for Melanie Prather by Bruce R. - the process was very quick and we were kept informed throughout.

5.0 star review received on Experience.com for Melanie Prather by Breanne L. - My experience with other lenders, Melanie was the best hands down! She explained things multiple times (first time home buyer) and honesty got back to me either via text or call same day. I’d be waiting days to hear back from previous lenders. I just truly felt like she did everything in her power to work her magic for us. She’s amazing !

Good morning everyone! Let’s start the day with a good laugh! #AcademyMortgage #AcademyMortgageHumor

Purchasing a home can take some time, and there are variables that could delay the process. Because of this, be sure to continue making your mortgage or rent payments until your loan has been funded. The same goes for your utilities at your current residence. A delinquent payment could impact your credit score and your loan qualification. If you have questions, please give me a call! #BeaHomeowner #FindYourPlace

After their September meeting, the Fed announced they'll "soon" start tapering the asset purchases they used to bolster the economy through the pandemic, and they expect to raise rates next year. Both of these actions could lead to higher mortgage rates. If you're interested in a refi or purchase, it may pay to act soon. Please reach out if you want to talk about it.

It is the summer’s great last heat, It is the fall’s first chill: They meet. Sarah Morgan Bryan Piatt #FirstDayOfFall #September22 #AcademyMortgage #Fall

Before the temperatures begin to drop, you should inspect your fireplace and chimney. Make sure to clear away any remaining ash and clean the fire box. Have the inside of your chimney swept to remove soot and debris. Check for cracks in the chimney both inside and out. Look outside to make sure there are no tree limbs blocking the chimney. If you are unsure how to inspect your fireplace or chimney, call in an expert to show you what to look for. #HomeownerTips #BeaHomeowner #FindYourPlace

We know the job market is red hot right now. But if you are buying a home, you should avoid changing jobs. A sudden job change during the homebuying process may raise red flags and could delay the process. If you experience a job loss, please contact your Loan Officer immediately. If you have any questions, be sure to give us a call! #BeaHomeowner #FindYourPlace

Sealing your driveway can extend its life and improve your home’s curb appeal. First, repair cracks and wash your driveway, allowing it to dry overnight. Then apply driveway sealant in small patches. Depending on the sealant, one or two coats may be required. Once you’re done, keep cars off the driveway for at least 24 hours to let the sealant set. #HomeownerTips #BeaHomeowner #FindYourPlace

Your credit score is a major factor in qualifying for a loan. If you max out your credit card or make a late payment, you run the risk of not being approved for a mortgage. Be sure to make your payments on time. Also, don’t apply for a new credit card or consolidate your debt onto one or two credit cards. Both actions could negatively impact your credit score. If you have questions, please give me a call! #BeaHomeowner #FindYourPlace

Plumbing pipes, ductwork, and wiring are hidden in the walls of most homes. With that said, before you power up your drill, be sure to use a stud sensor to detect studs, cables, and other vital utilities running behind the surface of your walls. A good rule of thumb is to avoid drilling around light switches and sockets, as electrical wires may be installed around these fixtures. #HomeownerTips #BeaHomeowner #FindYourPlace

I, on the other hand, am a GREAT listener! And your call will always be answered by someone on MY team, never a call center! Just one of the many perks of working with a #locallender!

Since the last year has made dates and events blend together, thus rendering them easy to forget, let me help you. Set a reminder nowyes, right nowfor Sunday: Call Mom and wish her Happy Mother's Day. You're welcome. #wednesdaywordsofwisdom

Traveling this summer? Be sure to take Academy’s My Mortgage with you if you are considering purchasing a home. While on vacation, you can use My Mortgage to do these 3 things: Get pre-approved* for a loan, upload and send documents, and communicate with your Loan Officer anywhere, anytime. Download the My Mortgage app from either the Apple or Android app stores, and stay ahead of the housing market while you are away! *Pre-approval is not a commitment to lend.

The temperature isn't the only thing heating up! Now more than ever, it is important to have a lender who is located in YOUR market. We know how competitive it can be and will work directly with your Real Estate Agent. Send us a message to get started!

5.0 star review received on Experience.com for Melanie Prather by DaShaun Winston - She is always on top of the file

5.0 star review received on Experience.com for Melanie Prather by Tyler P. - Great communication and make the buying process very easy

We know that this holiday season will be one spent away from family and friends for many people. Though the distances may seem great, our hearts can still be close to each other. What holiday traditions will you be carrying on to keep those you love feeling nearby? #wednesdaywordsofwisdom

It’s January 6. How are your resolutions going? If you’re anything like us and many other people, you may have already broken that perfect streak. That’s okay! You still have 359 more days this year to keep being awesome! #wednesdaywordsofwisdom

Who in your life has brought you joy? Tag them below and let them know how much they mean to you! #wednesdaywordsofwisdom

It's Tax Day Today! #TaxDay2020 #TaxTime #TaxDayReminder

Out with the old, in with the new. 'Tis the season for resolutions! So break out those gym shoes and run that race. Break out those sweatpants and make more time for relaxing. Whatever your hopes are for the coming year, know that you have people around you who want to see it happen! What are your resolutions for the coming year? #wednesdaywordsofwisdom

Just a reminder that the 2019 income tax filing and payment deadlines for all taxpayers who file and pay their Federal income taxes was extended until July 15, 2020! If you have yet to file and are looking for a referral, please reach out to me. I know a great CPA who can help you file. #TaxDay2020 #TaxTime

Some wisdom for your Wednesday. Your heart is the light of this world. Don't cover it with your mind. Mooji #wednesdaywordsofwisdom

2021 LOAN LIMITS INCREASE! Fannie Mae, Freddie Mac, and FHA raised loan limits for 2021 in most of the U.S.! Fannie Mae and Freddie Mac increased limits to $548,250 for a 1-unit property. FHA increased limits to $356,362. Higher limits apply in Alaska, Hawaii, and in specified high-cost areas. Limits are also higher for 2-, 3-, and 4-unit properties. CALL ME for more info about these increased limits!

Thanks for the great review Victoria!

It's time for your weekly look at what's happening with rate movement, the economy and the housing market. Watch to the end for a quick smile.

Some wisdom for your Wednesday. "Stay committed to your decisions, but stay flexible in your approach. Tony Robbins #wednesdaywordsofwisdom