Category: Real Estate and Economy

The Best Time to Buy a Home in 2026 May Be Right Around the Corner

For buyers who have been waiting for a sign that the market is finally shifting in their favor, this might be it.

According to recent research from Realtor.com, the week of September 27 through October 3, 2026 is projected to be the best time to buy a home nationally due to a combination of increased inventory, reduced competition, more price reductions, and improved negotiating opportunities. [realtor.com]

While there is never a perfect time for every buyer, the fall market often creates opportunities that simply aren’t available during the busy spring and summer homebuying season.

Why Fall Can Be a Smart Time to Buy

Throughout the spring and summer, buyers typically face the greatest competition. More buyers are actively shopping, desirable homes receive significant attention, and sellers often have less incentive to negotiate.

As we move into the fall, several market dynamics begin to change:

• More homes are available for sale
• Buyer demand begins to slow
• Homes spend more time on the market
• Sellers become more flexible on price and concessions
• Price reductions become more common

For buyers, that can mean more choices, more time to make decisions, and greater leverage during negotiations. [realtor.com]

Inventory Is Giving Buyers More Options

One of the biggest challenges buyers have faced over the last several years has been a lack of available homes.

According to Realtor.com, active inventory during the best week of the year is expected to be approximately 13.3% higher than the average week and nearly 32% higher than the beginning of the year. [realtor.com]

More inventory means buyers are less likely to feel pressured into making rushed decisions and are more likely to find a home that truly fits their needs.

For buyers throughout Georgia and the Southeast, we’re seeing many markets continue moving toward a healthier balance between buyers and sellers.

Less Competition Means More Opportunity

When inventory rises and buyer demand slows, competition naturally decreases.

Realtor.com reports that buyer demand during the projected best week is historically about 30% lower than peak demand periods earlier in the year. [realtor.com]

That means buyers may face fewer bidding wars, fewer escalation clauses, and less pressure to waive important protections such as inspections or financing contingencies.

That’s often a healthier environment for making one of the largest financial decisions of your life.

Price Reductions Continue to Create Opportunities

Another trend benefiting buyers is the increase in price reductions.

Homes that were priced aggressively during the summer months may sit longer as the market slows, prompting some sellers to make adjustments. Realtor.com notes that early fall historically represents one of the strongest times of the year for price reductions. [realtor.com]

While no one can predict exactly how far prices will move, buyers entering the market during the fall often find more room for negotiation than they would have seen just a few months earlier.

What About Mortgage Rates?

If you’ve followed mortgage rates lately, you know they can change quickly.

The reality is that timing interest rates perfectly is nearly impossible.

Instead of waiting for the “perfect” rate, successful buyers typically focus on what they can control:

• Their monthly payment
• Their budget
• Their loan strategy
• Seller concessions
• Temporary or permanent rate buydown opportunities

At Fairway Home Mortgage, we spend a lot of time helping buyers evaluate the full financial picture rather than focusing solely on headline interest rates. The lowest rate doesn’t always mean the best overall mortgage strategy.

Good News for Atlanta Area Buyers

For the Atlanta metro area, Realtor.com identifies the same week of September 27 through October 3 as the strongest buying window of the year. The report cites increased inventory, reduced buyer competition, more days on market, and lower median listing prices compared to annual peak pricing levels. [realtor.com]

Of course, real estate remains hyper-local. Every neighborhood, city, and price point can behave differently. That’s why having a local mortgage and real estate strategy matters.

The Bottom Line

If you’ve been waiting for the market to become more buyer-friendly, this fall may offer one of the strongest opportunities we’ve seen in several years.

More inventory, less competition, additional negotiating power, and improving market balance can create favorable conditions for buyers who are prepared and ready to act. [realtor.com]

The key isn’t trying to perfectly time the market.

The key is being financially prepared when the right home becomes available.

Whether you’re buying your first home, moving up, downsizing, or investing, having a solid game plan can make all the difference.

Ready to Explore Your Options?

Before you start shopping, make sure your financing strategy is in place.

The Shumate Mortgage Team can help you understand your purchasing power, compare loan options, evaluate payment scenarios, and create a plan that fits your goals.

Contact Chris Shumate at Fairway Home Mortgage

(404) 791-3155
chriss@fairwaymc.com
http://chrisshumatefairway.com/

NMLS #627360 | FIMC #2289

*Licensed in GA, FL, AL, TN, SC, NC

Follow Chris Online

Source: Realtor.com Housing Market Research, September 2026.

About Chris Shumate

Chris Shumate is a Sales Manager and Loan Officer with Fairway Home Mortgage and has helped more than 3,500 families achieve the dream of homeownership during his 25+ years in the mortgage industry. Recognized among the Top 1% of Mortgage Originators in America for six consecutive years, Chris is known for providing straightforward advice, creative financing solutions, and a mortgage process built around education and communication.

Whether you’re buying your first home, upgrading, downsizing, or investing, Chris and the Shumate Mortgage Team are committed to helping you make confident mortgage decisions.

The Fed Raised Rates Today. Here’s What It Actually Means for Homebuyers.

The Full Story Is Much More Important.

If you’ve seen today’s headlines, you’ve likely heard that the Federal Reserve raised its key short-term interest rate by 0.25%, moving the target range from 3.50%-3.75% to 3.75%-4.00%.

Whenever the Fed makes a move like this, one of the biggest misconceptions I hear is:

“Mortgage rates just went up by 0.25% too.”

The reality is, that’s not how mortgage rates work.

Mortgage rates are not directly tied to the Federal Funds Rate. Instead, they’re influenced primarily by the bond market, including mortgage-backed securities and longer-term Treasury yields.

Although today’s rate hike was widely expected and much of the market had already priced in the Fed’s decision, investors paid close attention to Fed Chairman Kevin Warsh’s comments during his press conference. As Warsh emphasized that inflation remains “too high” and signaled the Fed remains committed to bringing it under control, Treasury yields moved higher, with the 10-year Treasury climbing back toward the 5% level. While mortgage rates don’t move in lockstep with Treasury yields, they often follow the same general direction. Investors interpreted the Fed’s message as a sign that inflation pressures may persist and that interest rates could remain elevated for longer than previously expected. As a result, bond prices fell and yields rose, creating additional upward pressure on mortgage rates.

The Key Takeaway

Mortgage rates are often influenced less by what the Fed does today and more by what investors believe the Fed will do tomorrow.

Over the past several days, mortgage rates had already been moving higher in anticipation of today’s decision and ongoing concerns about inflation. Much of the market reaction occurred before the Fed’s announcement was made, but the Fed’s comments reinforced concerns that inflation may take longer to bring under control than many investors had hoped.

Currently, national average 30-year fixed mortgage rates are hovering around 7%, and we expect mortgage rates to remain generally in the high-6% to low-7% range in the near term.

Don’t Let the Interest Rate Alone Determine Whether It’s the Right Time to Buy

Too many people focus exclusively on the rate and lose sight of the bigger picture.

Every buyer’s situation is unique, and today’s market presents opportunities that many people overlook. The right financing strategy can often make a much bigger impact than a quarter-point movement in interest rates.

There are a variety of tools available to help buyers achieve their goals, including:

  • Seller-paid closing costs
  • Interest rate buydowns
  • Temporary and permanent rate reduction strategies
  • Specialized loan programs

The Better Question to Ask

The question isn’t always:

“What’s the rate?”

The better question is:

“What’s the Right Strategy for My Situation?”

A smart homebuying decision isn’t based on a headline. It’s based on understanding your goals, your timeline, your budget, and the options available to you.

Whether you’re thinking about buying your first home, moving up, downsizing, or simply exploring your options, having a plan matters far more than trying to perfectly time the market.

I’ve said this many times before, and I believe it now more than ever:

The buyers who win in this market aren’t necessarily waiting for the perfect rate. They’re working a plan and taking advantage of the opportunities available today.

The reality is that today’s market offers opportunities that weren’t available during the frenzy of a few years ago. Buyers often have more negotiating power, more inventory to choose from, and more opportunities to structure financing in ways that help meet their long-term goals.

Let’s Talk About Your Options

If you’re considering buying or selling, or if you’re simply trying to understand what today’s market means for you, let’s have a conversation.

We’ll review your goals, discuss the financing options available, and help you determine the best path forward.

The market will continue to change. Rates will move. Headlines will come and go.

But a well-designed strategy can help you move forward with confidence regardless of what the market is doing.

Best Regards,

Chris Shumate
The Shumate Mortgage Team
Fairway Home Mortgage

“Helping buyers navigate the market with a plan, not just a rate.”

The Mortgage Phone Call That Can Win Your Home Offer

When you’re buying a home in a competitive market, every advantage matters. Many buyers focus on offering more money, waiving contingencies, or writing a personal letter. While those strategies can help in certain situations, there’s one simple step that often gets overlooked—and it can make a significant difference.

A phone call from your mortgage lender to the listing agent.

🎥 Watch the video here: https://youtube.com/shorts/VRMa-ABq_1M?si=WM6fjeMra_WBbAyf

Why This Phone Call Matters

When multiple offers are on the table, sellers want confidence that the deal will actually close. Price is important, but certainty is often just as valuable.

That’s where your lender comes in.

A quick conversation between your mortgage professional and the listing agent allows the seller’s side to hear directly that:

  • You’ve already been fully pre-approved.
  • Your income, assets, and credit have been reviewed.
  • Your financing is solid.
  • You’re working with an experienced lender who will communicate throughout the transaction.

That reassurance can help separate your offer from others that simply include a generic pre-approval letter.

Sellers Want Confidence

From the seller’s perspective, accepting an offer isn’t just about choosing the highest number. They’re choosing the buyer they believe is most likely to reach the closing table without delays or surprises.

A proactive lender demonstrates professionalism and helps build trust before the contract is even accepted.

This small step can help answer questions before they become concerns, giving the listing agent confidence when presenting your offer to the seller.

A Strong Team Gives You an Advantage

Buying a home isn’t a solo effort. Your real estate agent and mortgage lender should work together as one team to help position your offer as strongly as possible.

An experienced mortgage professional doesn’t simply process paperwork—they advocate for you throughout the transaction.

That’s why communication matters.

Ready to Put Your Best Offer Forward?

Whether you’re buying your first home, moving up, or relocating, having the right mortgage team can make all the difference.

If you’re thinking about buying a home, let’s make sure you’re prepared before you find the perfect property.

Work With Chris Shumate

With more than 25 years of mortgage experience, Chris Shumate has helped over 3,500 families achieve homeownership and has been recognized among the Top 1% of Mortgage Originators in America for six consecutive years. Chris and his team are committed to providing clear communication, personalized loan solutions, and a smooth closing experience from start to finish.

🏠 Contact Chris Shumate at Fairway Home Mortgage

📞 (404) 791-3155
📧 chriss@fairwaymc.com
🌐 http://chrisshumatefairway.com/

Follow Chris Online

Frequently Asked Questions

Does a lender really call the listing agent?

Yes. Experienced mortgage lenders often contact the listing agent to introduce themselves, confirm the buyer’s qualifications, and answer financing questions. This additional communication can help strengthen your offer.

Is a pre-approval enough?

A pre-approval is essential, but having a lender who actively communicates with all parties involved can provide an extra level of confidence that sellers appreciate.

When should I get pre-approved?

Before you begin shopping for homes. Being pre-approved allows you to move quickly when you find the right property and makes your offer more competitive.

Final Thoughts

Winning a home isn’t always about making the highest offer. Sometimes it’s about giving the seller the confidence that your financing is solid and your transaction will close on time.

A simple phone call from the right mortgage lender could be the difference between getting the home—or watching someone else move into it.

What Can Make or Break a Smooth Mortgage Closing?

Buying a home is exciting, but the final stretch—the mortgage closing process—is where many buyers can unknowingly create obstacles for themselves.

As a mortgage professional with more than 25 years of experience helping families achieve homeownership, I’ve seen firsthand that a smooth mortgage closing often comes down to preparation, communication, and avoiding common mistakes. My goal is always to make the process as seamless and stress-free as possible by guiding clients every step of the way.

Watch the Video

What Can Make or Break a Smooth Mortgage Closing?

👉 https://youtube.com/shorts/tZ8i-e6uEJ4?si=UFdQ1arTSupCXHQQ

The Details Matter More Than You Think

Many homebuyers assume that once their offer is accepted, the hard part is over. In reality, the period between contract and closing is critical.

Lenders must verify several key pieces of information before final loan approval, including:

  • Employment status
  • Income verification
  • Asset documentation
  • Credit profile
  • Debt-to-income ratio
  • Property information

Even small changes during this period can impact your mortgage approval.

Keep Your Finances Consistent

One of the most important things buyers can do is maintain financial stability throughout the mortgage process.

Avoid:

  • Opening new credit cards
  • Financing furniture or appliances
  • Purchasing a new vehicle
  • Making large unexplained deposits
  • Missing payments on existing accounts

Many buyers are surprised to learn that lenders often perform final checks before closing. A major financial change can create delays or even jeopardize loan approval.

Stay Responsive During Underwriting

The mortgage underwriting process is designed to confirm that all information provided is accurate and complete.

Your loan team may request:

  • Updated bank statements
  • Pay stubs
  • Tax documents
  • Letters of explanation
  • Additional verification documents

Responding quickly helps keep your loan moving forward and prevents unnecessary delays.

Communication Is Key

One of the biggest factors in a successful mortgage closing is communication.

A knowledgeable loan officer should keep you informed about:

  • Loan milestones
  • Documentation needs
  • Appraisal updates
  • Underwriting conditions
  • Closing timelines

Clear communication helps eliminate surprises and gives buyers confidence throughout the process.

Why Preparation Leads to a Stress-Free Closing

The smoothest closings happen when buyers are prepared before they ever begin shopping for a home.

Getting pre-approved early provides:

  • A clear understanding of your budget
  • Confidence when making offers
  • Faster loan processing
  • Fewer last-minute surprises
  • Stronger negotiating power

Preparation allows you to focus on the excitement of your new home rather than worrying about financing issues.

Partner With a Mortgage Professional Who Guides You Every Step

Every homebuyer’s situation is unique. That’s why it’s important to work with a mortgage professional who takes the time to understand your goals, explain your options, and help you navigate the process from application to closing.

At Fairway Home Mortgage, my team and I are committed to delivering exceptional communication, personalized loan solutions, and reliable closings for every client we serve. With over 3,500 families helped and more than 665 verified 5-star reviews, we understand what it takes to create a smooth home financing experience.

Ready to Get Pre-Approved?

If you’re thinking about buying a home, refinancing, or simply have questions about the mortgage process, let’s connect.

Contact Chris Shumate at Fairway Home Mortgage

📞 (404) 791-3155
📧 chriss@fairwaymc.com
🌐 http://www.chrisshumatefairway.com/

📱 Instagram: https://www.instagram.com/chris.shumate.mortgage
📱 Team Instagram: https://www.instagram.com/shumatemortgageteam/
📘 Facebook: https://www.facebook.com/ShumateMortgageTeam/
🎥 YouTube: @chrisshumatemortgage

Condo Financing Just Opened Up: What Buyers and Homeowners Need to Know in 2026

Condo Financing Is Opening Back Up

If condos have felt difficult—or even impossible—to finance over the past few years, you’re not alone. Rising insurance costs, stricter lending guidelines, and project eligibility issues created major roadblocks for buyers and homeowners.

The good news? That’s changing.

Recent updates from Fannie Mae and Freddie Mac are opening the door for more condo approvals, fewer restrictions, and new opportunities across Georgia and the Southeast.

What Changed with Condo Financing in 2026?

These updates are designed to address the exact issues that have been holding deals back.

Investor Concentration Restrictions Eased

Previously, many condo projects were disqualified if too many units were investor-owned.

Now, with the 50% investor cap removed, more condo communities are eligible for financing.

What this means:

  • More inventory available for buyers
  • Increased opportunities in investor-heavy markets like Atlanta

Insurance Flexibility Increased

Insurance has been one of the biggest hurdles in condo approvals.

New updates now allow:

  • Depreciated ACV (Actual Cash Value) roof coverage
  • Simplified deductible requirements

What this means:

  • Fewer insurance-related loan denials
  • Smoother underwriting process

Expanded Review Waivers for Small Projects

Projects with 10 or fewer units may now qualify for review waivers, allowing faster and simpler approvals.

What this means:

  • Easier financing for smaller condo communities
  • Faster closings with fewer delays

Why This Matters for Buyers

If you’re considering buying a condo, this shift is significant.

  • More condos now qualify for conventional financing
  • Lower insurance costs can improve affordability
  • Previously “off-limits” properties may now be eligible again

For first-time homebuyers, condos are often one of the most affordable ways to enter the housing market—so this opens real opportunities.

What It Means for Condo Owners

If you already own a condo, these changes could directly impact your property value and marketability.

  • Your condo may now attract more buyers
  • Financing accessibility can help improve resale value
  • HOA insurance changes could influence dues and long-term value

Not Every Condo Will Qualify the Same

Even with these improvements, not all condos are created equal.

The difference between a smooth closing and a deal that falls apart often comes down to:

  • HOA financials
  • Insurance coverage details
  • Project eligibility

That’s where experience matters.

Work with a Team That Knows Condo Financing

With over 25 years of experience, Chris Shumate with Fairway Home Mortgage specialize in helping buyers and homeowners navigate complex condo financing scenarios.

We focus on:

  • Identifying potential issues early
  • Structuring loans correctly from the start
  • Providing clear, data-driven guidance

Because getting approved is one thing—getting to the closing table without surprises is what really matters.

Bottom Line

Condo financing has officially opened back up, creating new opportunities for buyers and homeowners across Georgia and the Southeast.

But success still comes down to having the right strategy—and the right team guiding you through the process.

Contact Chris Shumate

🏠 Fairway Home Mortgage
📞 (404) 791-3155
📧 chriss@fairwaymc.com
🌐 http://www.chrisshumatefairway.com/

📱 Instagram: https://www.instagram.com/chris.shumate.mortgage
📱 Team Instagram: https://www.instagram.com/shumatemortgageteam/
📘 Facebook: https://www.facebook.com/ShumateMortgageTeam/
🎥 YouTube: @chrisshumatemortgage

What’s Really Moving Mortgage Rates Right Now? A Clear Look at the Forces Pushing Up—and Pulling Down

If you’ve been watching mortgage rates lately and wondering, “Why do they seem so unpredictable?” — you’re not alone.

Behind the scenes, investors in the mortgage-backed securities (MBS) market are constantly adjusting expectations. Most recently, we’ve seen a meaningful shift: the probability of a March 2026 Fed rate cut has dropped by more than 10% since Friday.

The primary driver? Rising geopolitical tensions in the Middle East.

But that’s only part of the story.

There are several powerful economic forces applying both upward and downward pressure on mortgage rates — in the short term and the long term. Let’s break this down clearly and logically so you can understand what’s happening and why it matters for you.

1. Iran & Oil Prices (Primary Driver Right Now)

Energy prices influence nearly everything in our economy — transportation, manufacturing, food production, and more.

Short Term Impact

Prolonged high oil prices → Higher inflation expectations → Higher mortgage rates

When energy prices rise, investors anticipate broader inflation. Since inflation erodes the value of bonds (including mortgage-backed securities), rates tend to move higher to compensate.

Long Term Impact

Higher production costs → Sustained inflation → Potential stagflation → Ambiguous rate impact

If inflation remains elevated while economic growth slows, we could face stagflation — a difficult environment where rates don’t have a clear direction. In that scenario, mortgage rates could become more volatile.

2. Pessimistic U.S. Employment Figures

The labor market has been one of the strongest pillars of the economy. When employment weakens, the impact is significant.

Short Term Impact

Worsening employment outlook → Slower economy → Lower mortgage rates

If job growth softens, it reduces inflation pressure. Investors often move money into bonds during uncertain economic periods, which pushes mortgage rates down.

Long Term Impact

Employment crisis → Fed intervention → Lower mortgage rates

If unemployment rises meaningfully, the Federal Reserve would likely cut rates to stimulate the economy — which would typically benefit mortgage rates.

3. Potential Hawkish Fed Leadership (Kevin Warsh)

Markets are also evaluating the possibility that Kevin Warsh could become the next Fed Chair — and he is widely considered hawkish on inflation.

Short Term Impact

“Hawkish” leadership expectations → Rates stay higher for longer → Higher mortgage rates

If investors believe the Fed will prioritize fighting inflation aggressively, they anticipate fewer rate cuts — keeping mortgage rates elevated.

Long Term Impact

Reduced inflation expectations → Stabilized economy → Lower mortgage rates

If strong anti-inflation policy succeeds, inflation expectations fall. Lower inflation expectations typically support lower long-term mortgage rates.

4. Sweeping Global Tariffs

Tariffs aren’t just political headlines — they affect bond supply and federal deficits.

Short Term Impact

Higher tariff revenue → Fewer Treasury bonds issued → Lower mortgage rates

When the government issues fewer Treasuries, bond supply decreases. Lower supply can support bond prices, which helps keep mortgage rates lower.

Long Term Impact

Reduced deficit → Fiscal stabilization → Ambiguous rate impact

A smaller deficit could be positive for rates, but tariffs can also increase consumer prices. The long-term outcome depends on how those forces balance out.

5. Artificial Intelligence

AI is transforming industries rapidly — and markets are paying close attention.

Short Term Impact

AI overvaluation concerns → Flight to safety → Lower mortgage rates

If investors worry about tech market corrections, they often move money into safer assets like bonds — helping mortgage rates.

Long Term Impact

Job displacement from widespread AI adoption → Slower wage growth → Lower mortgage rates

If AI meaningfully disrupts employment or wage growth, inflation pressures could ease — creating downward pressure on long-term rates.

So Where Does That Leave Us?

Right now, the dominant short-term driver is geopolitical tension and energy prices, which are pushing inflation expectations higher and reducing the probability of near-term Fed rate cuts.

At the same time, weaker employment data, AI uncertainty, and potential fiscal shifts are applying downward pressure.

In other words — we’re in a tug-of-war environment.

And in environments like this, mortgage rates can move quickly based on headlines.

What Should You Do?

Trying to “time the market” in a multi-variable environment like this is extremely difficult — even for seasoned investors.

What matters most is:

  • Your financial goals
  • Your timeline
  • Your risk tolerance
  • The right strategy for your specific scenario

With over 25 years of experience and more than 3,500 families served, I believe in making decisions based on facts — not fear, hype, or headlines. We look at the data, evaluate the risk, and build a strategy that protects you both short-term and long-term.

If you’re buying, refinancing, or just trying to understand how today’s rate environment affects your plans, let’s have a conversation.

Let’s Build a Smart Plan Together

📞 Call or text me directly at (404) 791-3155
📧 Email: chriss@fairwaymc.com
🌐 Visit: www.chrisshumatefairway.com

You don’t need to predict the market.
You just need the right strategy in the market we have.

Let’s make a confident move — together.

The Fed Rate Cut: What You Need to Know About Mortgage Rates

When the Federal Reserve announces a rate cut, it always makes headlines — and it’s easy to assume that means mortgage rates are automatically dropping too.
But that’s one of the biggest misconceptions in the housing market.

Let’s break down what a Fed rate cut really means and how it affects your mortgage options.

🎥 Watch my quick video explanation here:
👉 The Fed Rate Cut Explained – YouTube

🏦 What Is the Federal Funds Rate?

The “Fed rate” refers to the Federal Funds Rate, which is the short-term interest rate banks charge each other for overnight loans. It directly impacts credit cards, auto loans, and home equity lines of credit, but not fixed-rate mortgages.

When the Fed cuts rates, it’s a signal that they’re trying to stimulate borrowing and spending — usually because the economy is slowing down or inflation is cooling.

🏠 Mortgage Rates Don’t Move the Same Way

Here’s where it gets tricky:
Mortgage rates are not set by the Federal Reserve.

Mortgage rates are primarily driven by the bond market, especially the yield on the 10-year U.S. Treasury Note. When investors expect slower growth or lower inflation, they move money into bonds — which can push mortgage rates down even before the Fed acts.

So, mortgage rates move based on how the market reacts to what the Fed says and does, not simply on the Fed’s official rate cut.

Sometimes mortgage rates even rise after a Fed rate cut if investors think inflation could come back or the economy will rebound faster than expected.

📊 What This Means for Homebuyers and Homeowners

If you’re thinking about buying or refinancing, here’s the key takeaway:

✅ Don’t wait for a Fed announcement to decide when to act.
✅ Focus on overall mortgage rate trends and your personal financial goals.
✅ Rate cuts can create opportunity — but timing the market perfectly is nearly impossible.

My advice: stay informed, get pre-qualified early, and make decisions based on your long-term goals, not short-term news cycles.

💬 Final Thoughts

After more than 25 years in mortgage lending, I’ve seen how confusion around “the Fed rate” can cause hesitation that costs homebuyers great opportunities.
Remember — the Fed influences the economy, but the market drives mortgage rates.

If you’d like to understand how today’s market impacts your homebuying or refinancing plans, my team and I are here to guide you with clarity, precision, and care.

📞 Contact me anytime at Fairway Home Mortgage.
Let’s make sure you’re positioned for success — no matter what the Fed decides next.

Chris Shumate
Senior Mortgage Loan Officer | Fairway Home Mortgage
Serving GA, AL, TN, FL, SC, and NC