Thelma Cary-Rossbach, Mortgage Lender NMLS 1927056

Name: Thelma Cary-Rossbach, Mortgage Lender NMLS 1927056
Address: 15173 North Road, Fenton, MI, 48430, US
Telephone: +12484080957
Price range: $$$

Home
United States
Fenton, MI
Thelma Cary-Rossbach, Mortgage Lender NMLS 1927056

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Thelma Cary-Rossbach, Mortgage Lender NMLS 1927056, Business service, 15173 North Road, Fenton, MI.

Mortgages
~Legacy Mortgage is an equal housing lender~
Corporate NMLS: 1759275
Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout Michigan, Florida, Tennessee & Texas You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.I've got great news...

When you're ready, the

next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

02/21/2026

House hunting is fun until you realize your budget and your taste have never met before 😂🏡

That’s why getting preapproved FIRST is so important 💼✨
Falling in love with a home you can’t buy is a heartbreak no one needs 💔

Thinking about buying this year?
Comment “PREAPPROVED” 👇 or message me and I’ll help you get started 😊

12/10/2025

Now licensed in Ohio as well!

11/20/2025

New 5.0-star Review: "Thelma was awesome to work with. Very thorough and always answered as soon as she could. Never got tired of answering my dumb first time buying questions. Highly recommend. Thanks again Thelma !"

11/15/2025

New 5.0-star Review: "I have known Thelma for over 3 years now, I met her through my last real estate agent when I was buying my first house. She did a phenomenal job then, and once I found out she was a full-time agent again, I had to jump on the opportunity to have her sell my old house, and look for a new one! And once again, she definitely did not disappoint!! I HIGHLY recommend Thelma for any of your house selling/buying needs. You will not find a more honest, genuine realtor out there than her."

10/15/2025

We love a supportive dad… but it’s not that simple. 😂🏡

When it comes to using gifted funds for a down payment, lenders have to 𝘃𝗲𝗿𝗶𝗳𝘆 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝗰𝗮𝗺𝗲 𝗳𝗿𝗼𝗺... It can’t just show up in an envelope. 💌💸

✅ You’ll need a signed gift letter stating it’s not a loan
✅ The funds usually need to be transferred and documented properly

There are ways to make it work. You just need to do it the right way.
If you want to talk through your options and make sure everything’s set up correctly, reach out and let’s talk. 👋

10/13/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻𝗲𝗱 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates had some small day-to-day movements in rebate pricing (the credit a lender gives toward closing costs or the points you pay to get a lower rate), but rates themselves didn’t move much, with little economic or labor market data to influence them.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗵𝗼𝗹𝗱 𝘀𝘁𝗲𝗮𝗱𝘆 👍
A second week with no end to the shutdown expected, mortgage rates are unlikely to make any big moves. There could be some volatility Tuesday after the bond market reopens, since it was closed Monday while stocks continued trading. There will be some economic data and Fed speakers this week, but nothing that should cause any major movements.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Government shutdown: Consumer inflation data that was scheduled for release this week has been postponed to Friday, October 24, but wholesale inflation data will only come out as planned if the budget impasse is resolved.
- Fed speakers:Mortgage rates currently reflect markets’ belief that the Fed will cut rates at the remaining two meetings this year. It’s unlikely that anything said by Fed members this week will change that outlook.

10/08/2025

A lot of people think they’re being smart by waiting for rates to drop… but here’s what usually happens 👇

While you’re waiting, home prices keep going up, and by the time rates do change, you’ve lost buying power.

Getting pre-approved early isn’t about rushing. It’s about knowing your numbers so you can jump when the right home shows up. 🏡

You’ll have a clear picture of what you can actually afford, and you won’t get caught off guard when the market moves.

If you’re even thinking about buying in the next few months, start the conversation now. It’ll save you a ton of stress (and probably some money, too). 💬

10/06/2025

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟲, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
The government shutdown helped mortgage rates move slightly lower last week as markets increased speculation that the Fed would need to cut rates at the last two Fed meetings of the year. Due to the shutdown of several departments, there was no Bureau of Labor Statistics data for the week, including jobless claims and last Friday's big jobs report.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
With no end to the shutdown expected this week, mortgage rates are unlikely to make any big moves. We could see them improve slightly though, as the week goes on and no resolution is reached to reopen the government.

𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Government shutdown: Until the shutdown is lifted, markets will not have access to many of the economic reports that typically drive direction for mortgage rates. This week would have been a light week for data anyway, but if a resolution isn't reached, the shutdown could also affect the release of next week's inflation data. Markets are currently betting a prolonged shutdown will hurt the economy, which is helping mortgage rates to improve a bit. Once a budget is passed, however, the delayed reports will be released and could cause volatility.

10/01/2025

🎃 First of October means Halloween season is here…
But don’t be surprised if you catch me slipping in subtle signs like this.

Thinking about refinancing? It could free up extra cash just in time for holiday spending — and that’s sweeter than a full-size candy bar. 🍫✨

Trick or refinance?
👉 Message me to see if refinancing makes sense for you.

09/29/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝗿𝗴𝗶𝗻𝗮𝗹𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates stayed mostly unchanged, ending just a touch higher as inflation data came in as expected and nothing significant pushed rates meaningfully higher or lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates could move higher or lower this week depending on labor market data, especially Friday’s BLS jobs report. Keep in mind, though, that rates have more room to move higher than lower, particularly if markets begin to doubt there will be two more Fed cuts this year. The potential for rates to fall is limited compared with the risk they’ll rise, so tread carefully.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Reports include job openings, unemployment claims, private payrolls, and Friday’s BLS jobs numbers. If the data shows the labor market is stronger than recent reports suggest, it could cause markets to doubt the need for the expected Fed cuts and push rates higher to end the week.
- Government shutdown: There is a strong possibility of a government shutdown this week. Markets are not yet reacting to the concern, but if a shutdown does occur, it could add volatility to markets and mortgage rates.

Address

15173 North Road
Fenton, MI
48430

Telephone

+12484080957

Website

https://michiganmortgagechick.com/

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