New Year New Opportunities


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CHARLOTTE – Good News!! 2020 is almost in the books and we are looking forward to an amazing year in 2021.  Home affordability has never been better due to the absolute lowest interest rates ever seen, while industry experts feel that appreciation will remain strong well into 2021.

What does this mean for your home buying dreams? As we go into the new year, it’s a good time to consider buying your next or first home. There will be real opportunities coming for homebuyers in 2021. With that in mind, are you ready to take on the adventure of buying a home?



If you are unsure, it’s a good time to consult a professional. As a certified mortgage planner, I work with potential buyers to determine whether they are financially ready for that step, how much house you can afford, what kind of mortgage is the best choice for your situation.

A mortgage planner, as opposed to a bank or broker, takes a strategic approach making sure that this very important purchase considers both your short-term payment needs as well as your long-term financial plans.

The upcoming year is poised to produce the best real estate market in years. If you want to take advantage of that opportunity, be sure you do it wisely.

For more information on the mortgage process or your financial viability, contact me at (704) 778-6205 or teamtonyg@atlanticbay.com.

Happy holidays and a happy new year to everyone

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Tony Garshnick
Tony Garshnick believes in faith, family and a rock-solid financial foundation. He helps individuals and families across the Carolinas realize the American dream of home ownership in a thoughtful and responsible way. Tony is a mortgage planner with his eye on clients' overall financial picture as much as their home loan. He is also passionate about helping those who make their communities and their country better. In his free time, Tony volunteers at his church and enjoys being with his wife and two daughters.