The HAISA GROUP, LLC.

📉 Thinking About Refinancing Your Home? Let’s Talk About What Today’s Rates Mean for YOU!

If you’ve been waiting for the right moment to refinance, shifts in refinance rates could create an opportunity to lower your monthly payment, reduce your interest cost over time, or even access equity for important goals like home improvements, debt consolidation, or investing in your future.

At THE HAISA GROUP/KELLER WILLIAMS, my team and I help homeowners:
✔️ Review current loan terms
✔️ Explore refinance savings opportunities
✔️ Connect with our trusted lending partner
✔️ Create a strategy that fits your financial goals

If you’ve wondered whether refinancing makes sense for you, let’s have a quick conversation. The right information today could save you thousands tomorrow.

Melody Merritt, Keller Williams Premier, License 442020
📩 Message me to get started!


https://www.forbes.com/advisor/mortgages/refinance/mortgage-refinance-rates-02-13-26/?fbclid=IwY2xjawP8Lb5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEef3sjkTwUe7Zg8N6f6Leh2AI_i--j4xCcmh2beVpeC3TM68vdP0Ov9D7WVns_aem_Ep5jw4WD3jvLfE0DbHwmkQ

Today's Mortgage Refinance Rates: February 13, 2026 - Rates Drop The rate on a 30-year fixed refinance decreased to 6.08% today, according to the Mortgage Research Center. Rates averaged 5.24% for a 15-year financed mortgage and 6% for a 20-year financed mortgage. Related: Compare Current Refinance Rates 30-Year Fixed Refinance Interest Rates Drop

Understanding the money side of homebuying is just as important as finding the perfect home! 💰🏡 Earnest money, due diligence fees, and option fees (for my Texas buyers!) all play a role in securing your dream home. Knowing the difference can help you make stronger, more informed offers. Have questions? Let’s connect and go over the details together!

🎀 Wellness Wednesday: Fight Breast Cancer Together 🎀

Every Wednesday this October, I’m dedicating space to raise awareness for Breast Cancer Awareness Month. This cause is personal to me—my own family members have bravely battled breast cancer, and like so many of you, I know firsthand the strength it takes to fight. 💗

The truth is, almost all of us know someone who has been touched by breast cancer. That’s why early detection and regular screenings are so important. Mammograms and self-checks can save lives.

👉 This month, I encourage you to schedule your screening, remind a loved one, or share this post to spread awareness. Together, we can stand strong for the fighters, honor the survivors, and remember those we’ve lost.

Let’s make Wellness Wednesday a reminder that health is wealth—and awareness is action. 💪✨

Melody "MelfitRealtor" | Keller Williams Premier
📞 404-247-5020
[email protected]
melodymerritt.kw.com

🔍 Today’s Averages:30-year fixed ≈ 6.30%, 15-year fixed ≈ 5.49% (according to recent market data, FreddieMac)
💥 Big News: Those rates dropped—and that means more opportunity for you in Newton, Rockdale, Henry, and Dekalb Counties! 💥
Whether you’re buying or selling, my team and I are ready to make this market work for you:
✨ Buyers — Lower rates = more buying power. We’ll help you find your ideal home and lock in a strong offer before interest creeps back up.
✨ Sellers — You now attract more serious buyers. We’ll stage, market, and negotiate to get you top dollar, fast.
When you choose me as your agent — you get a full support team:
* Local expertise in Newton, Rockdale, Henry & Dekalb
* Strategic marketing to reach the right buyers
* Skilled negotiators watching every step
* Constant communication so you never feel in the dark
Let’s talk. I’ll run your numbers and map out your best move.
Melody “MelfitRealtor” | Keller Williams Premier