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Create Your Dream Job. [DH Sweet 16 #1]

The Hall Way

create dream job

So many people in the world today wait—for things to be handed to them, for opportunities to fall in their lap, for their dreams to come true without any effort.

Truth is the “I’ll wait” mentality does not cut it anymore, especially in the professional world. Opportunities are not going to create themselves; YOU must be the one to create them.

Your dream job doesn’t exist until you make it happen. Don’t know where to start? Unsatisfied sitting around in your current role? Want to do something different? Speak up. Make a change. Start now, we’ll help put you on the path to your success. At Hall Financial, we love ambitious people who are both coaches and coachable, who want to help others succeed as much as they want to succeed.

David Hall has a Sweet 16 philosophy he has often described as his “compass” to success, giving him…

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No Home Hiccups Here. [#DHallTheINSIDER]

The Hall Way

12_07_2017 Photo Source: Instagram via @landschute

When it comes to providing top-rated, 5-star mortgage experience service, it’s all about communication and expectation. This can provide for a smooth, quick process without delays or hiccups.

Michigan was ranked No. 8 for best state where millennials can afford to buy a home, with the median list price at $169K and 2.8 years as the average time needed to save for a downpayment. The average monthly mortgage payment: $767. Forget renting! This renting vs. owning debate was a key topic on this week’s podcast.

The “Surban” is taking over. Think suburban with more walkability to destinations like retail stores and restaurants and entertainment. It has been estimated these surban areas will attract at least 80% of new households and the most families over the next ten years.

Mortgage Applications for last week were up 4.7% overall, with purchases up 2% and…

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3 Reasons Why Waking Up Early Puts You Ahead


{Image source:Julian Hochgesang}

We’ve heard the saying, “the early bird gets the worm” but how true is that? While the idea behind getting up early and getting a head start on your day is accurate… it’s more about what you’re plan of action is and how you maximize each minute! Here are 3 reasons why waking up early puts you ahead.


Waking up early is hard! Who doesn’t want to lay in their warm and comfortable bed for just a little bit longer each day? But, developing the discipline to get out of bed early, will serve you well! Learning discipline in all areas of your life will greatly benefit you but, learning to discipline your time, will be a game-changer.


Sure, you have the same 24 hours in a day as every other human on this planet, but do you sleep/lounge the day away like most? The key to waking up early is having something to wake up to do! Planning your day, the night before and having a routine, will ensure you are maximizing every minute.

One Step Ahead

Simply put, as an early riser you are one step ahead of the crowd. While everyone else is sleeping, you are planning your day, crossing off your daily task and strategically thinking of your next move. You can get into the office sooner, so you don’t have to worry about loud coworkers and other distractions.

Unpack & unload: the best way to unpack and relax!

Upacking & organizing

{Image source: Google}

You’ve just moved into your new home, now what? Well, might I suggest first unpacking your unpacking kit? That may sound like an oxymoron, but I promise you it will save you as you work tirelessly to put your home into order.

What goes into an “unpacking kit”:
-a box cutter and or scissors
-trash bags
-hand soap
-toilet paper
-shower curtain and liner
-shampoo and conditioner
-all-purpose cleaning wipes or spray
-pain relief (Tylenol or Advil)
-pet food (if applicable)
-paper plates and bowls
-plastic utensils

Everything inside of this box should be self-explanatory, but you don’t want to have to unpack and starve or remain dirty after cleaning!

Now that you have your lifeline, here are our top two hacks for unpacking:

  1. This should go without saying, but just in case, as you unload your boxes from your car or from the moving truck, DO NOT LIFT WITH YOUR BACK!!! This is number one for a reason. Don’t cause a serious injury, instead, lift with your legs!
  2. Go with the flow: the unpacking flow. My recommendation:
    First, unpack your bathroom. The human body doesn’t wait for anyone! If you don’t want to unpack ALL your bathrooms, unpack at least one. Next, unpack your kitchen. There shouldn’t be terribly too many things, and you will, of course, need to refuel at some point. Then, move on to your bedroom. After unpacking most of your things, you will need rest! And of course, if you don’t get everything finished, you can at least sleep comfortably. Finally, everything else. Decorations, of course, should be last, as you must see where everything else fits first.

Market Update: Is Renting Cheaper Than Buying?

Mortgage Market Update (1).jpg

According to a recent survey done by Freddie Mac, 82% of renters think renting is more affordable than owning a home. But according to the actual data, renters spend more of their income than homeowners. Up to 36% of renters are spending a whopping 1/3 of income monthly! Even with these facts, renters still think it’s cheaper to rent due to the misconceptions of the amount of money needed for a down payment, as well as looming student loan debt.

Smile, Character. [DH Sweet 16 #15]

The Hall Way

character over instinct blog

There are three types of people in the world: the person who refuses to give someone in need or a charity money, the person who donates money but always turns around and shares it on social media, and the person who donates money but doesn’t tell a soul. Which are you?

We worry so much about what others think rather than worrying about our integrity and character. We all know someone who is always in a hurry to broadcast how great they are but then act differently behind closed doors. You might even be that person.

Ever heard, “Our character is defined by what we do when we think no one is looking”?

Sometimes, the hardest thing in life is to take the high road, to do the right thing when nobody is there to witness, to do the right thing knowing you won’t get any recognition. But that’s…

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Lace ’em Up. [DH Sweet 16 #13]

The Hall Way

run or be run

There are two types of people in the world: the runner and the watcher. Most people are satisfied just watching and that is why most people are rocked by hardships.

The world doesn’t stop spinning for you.

Dumped? World spins. Fired? World spins. Car wrecked? World spins. Fail a college course? World spins. Lose the deal you’ve been losing sleep over? The world spins on. It doesn’t end. In a highly competitive and digital age, life goes on. When you’re surrounded by people who all want Success—definition left in the outskirts between Financial and Happiness—it can be difficult to get ahead.

When your world tilts on its axis, spin it. Realize you’re underperforming and make a change so the company instead wants to keep you. Put down the cell phone when driving and be present. Be aware of your professor’s expectations and surpass them. Don’t settle for simply what’s working…

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Bills, Bills, Bills

Bills, bills, bills

{Image courtesy of Google}

You toss and you turn as payday approaches and all you can think about is as soon as your paycheck hits… so do your automatic payments. As soon as the money comes in, the money goes out and that’s just the revolving door we watch as working middle-class individuals. However, today’s mortgage market update comes with some positive money saving news!

CoreLogic released it’s latest “Loan Performance Insights Report” and over the last 16-months, the national delinquency rate has been declining. Nationally we are currently sitting at 3.6% which is the lowest it has been in over 20 years.

Core logic pic

{Image courtesy of CoreLogic}

In other national news, two housing bills were passed on Tuesday, July 9th, 2019, to await Senates vote before heading over to Trump’s desk for final approval. The first bill that passed was the “Protect Affordable Mortgages for Veterans Act of 2019”. This law will now allow a 210-day window of time to pass after the loan is established to start on the due date of the initial loan. This will help brokers and lenders remain compliant and allow those who are helping clients refinance know when the 210-day seasoning period starts.

The next bill that passed yesterday was the “Housing Financial Literary Act of 2019”. This bill will specifically help those who are purchasing a home for the first time.

How? You ask?

If the bill is to pass the Senate, those first-time homebuyers who take a pre-ownership counseling course, they will receive a 25-basis-point discount on their mortgage insurance. However, the bill is specific to only FHA loan products. In hopes that this bill passes it would allow first-time homebuyers to take more advantage of their financial futures and opens up more opportunity for those who are on the fence of being able to purchase their first home.