July 31, 2025
Summer Newsletter
Method Does It Again! Voted Best Mortgage Company For 4 Years Straight
We are beyond grateful to have earned the title of 𝗕𝗘𝗦𝗧 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬 in Vestavia Hills for the 4th year in a row! Thank you to all our amazing partners, clients, and friends who took the time to vote for us! We are honored and humbled that our service and hard work to our local community were recognized. Read MORE about all the other deserving businesses and the “Best of Vestavia Hills 2025” winners from Vestavia Hills Magazine.
Special thanks to our outstanding team, our referral partners, and our clients for your votes & support!
Giving Back Through Our Community Referral Program
With your help, we are proud to have the opportunity to continue to support local charities and nonprofit organizations through our Community Referral Program. With each referral we receive, we donate $25 to our quarterly referral partner. Previously, we have worked with many fantastic organizations, such as the Jimmy Hale Mission, The Exceptional Foundation, and the Wellhouse.
Thanks to your referrals during the 2025 2nd quarter, we were able to give $2,275 to The Red Barn, a local organization that provide educational, therapeutic, and equine-assisted programs benefiting individuals with disabilities and special circumstances, especially those living in low-income families.
Shannon Horsley and Grace Butler visited our office earlier this month to tell us about the important work The Red Barn is doing and to accept our donation check. To read more about this worthy organization, Click HERE.
Since our Referral Program began in 2020, Method Mortgage has donated over $68,000 to local nonprofits. For the third quarter of 2025, we are looking forward to helping the O’Neal Comprehensive Cancer Center at UAB thanks to your referrals, business, and support.
To read more on our blog about our our Community Referral Program, click here.
Top 11 Reasons to Consider Refinancing Your Mortgage
Thinking about refinancing but not sure if it makes sense for you? Whether you’re looking to save money, access equity, or just improve your loan terms, there are plenty of smart reasons to consider it, especially with today’s shifting market. We’ve narrowed it down to 11 of the most impactful benefits to help you decide if a refi might be the right move.
1) Secure a Lower Interest Rate
If today’s rates are lower than what you have, refinancing could reduce your monthly payment and the total interest paid over time.
2) Eliminate Mortgage Insurance
Have 20%+ equity in your home? You may be able to drop PMI – potentially saving hundreds each month.
3) Cash Out for Renovations
Use your home’s equity to fund updates or repairs, which can also boost your property value.
4) Consolidate High-Interest Debt
Roll credit cards or personal loans into your mortgage to simplify payments and reduce your overall interest rate.
5) Shorten Your Loan Term
Move from a 30-year to a 15-year mortgage to pay off your home faster and save on interest.
6) Switch to a Fixed Rate
Worried about rate hikes? Lock in a stable payment with a fixed-rate loan.
7) Leverage Equity for Investments
Tap your equity to fund a business, cover tuition, or even buy an investment property.
8) Improve Terms After Credit Score Bump
If your credit has improved since you got your loan, you may now qualify for better rates and terms.
9) Remove a Co-Borrower
Life changes, like divorce or separation, may require removing someone from the loan, refinancing makes that possible.
10) Convert from FHA to Conventional
If you’re eligible, this move can help you eliminate PMI and secure better terms.
11) Bundle a First and Second Mortgage into One Loan
Consolidating multiple mortgages into a single loan can simplify repayment and may reduce your overall rate and payment.
Helpful Articles and Resources
In addition to this quarterly email, our loan officers wrote several informative articles that you may find interesting- whether you’re considering buying, selling, building, or refinancing.
- Why Would I Move with a 3% Mortgage Rate by Jeff Henderson
- What Every Homeowner Needs to Know In Today’s Shifting Market by Tali McMahon
- Understanding Today’s Mortgage Rates: Is 3% Coming Back? by Adam Stoffregen
Our website has those articles as well as other great information for you to read. You can also take advantage of our mortgage calculator to help compare different financing options and determine monthly payments. For the most up-to-date information, please reach out to our loan officers, who will be more than happy to help with any scenario you may have. Stay in touch for the latest updates and knowledge all to help you find The Smartest Way Home.
We Would Really Appreciate Your Feedback…
We have the best clients, partners, and friends who have shown us so much support and encouragement. As we continue to grow our company to help others with their mortgage needs, we could use your help by leaving a 5 Star Review on our Google Business profile. Google reviews make a huge difference when it comes to helping Method Mortgage reach more people and improve our service. Click HERE to go directly to our business page on Google where you can leave a review. Many thanks!
Contact Us Today!
We advise anyone looking to buy a home to stay in touch with us, as we’re actively keeping track of the current market conditions. We can be your biggest asset when figuring out your home buying budget. We’re here to guide you to The Smartest Way Home! Contact us today.
Posted In
Birmingham mortgage, Birmingham real estate, buying a home, homebuying, Interest Rates, loans, method mortgage, mortgage rates, summer real estate
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