Witching Hour or Mortgage Hour? Spells, Scares, and Home Loan Truths

Why the mortgage process doesn’t have to be spooky—and how to avoid financial hocus pocus.

October rolls in, and suddenly everything’s a little spookier: skeletons on front lawns, black cats crossing paths, and pumpkin spice casting its spell over… well, pretty much everything.

As a kid, I loved Halloween. I was the one dressed as a witch, practicing my best cackle and perfecting my potion recipes (mostly involving Pixy Stix and Mountain Dew). These days, I’m more into cozy sweaters and handing out candy—but I still appreciate a good bit of magic.

But you know what’s scarier than witches and werewolves?

Trying to buy a home when you don’t know how the mortgage process works.

I talk to people all the time who are convinced they’ll get turned into a frog—or at least cursed with a terrifying interest rate—if they even dare ask a lender some questions. The mortgage world can feel like a dark forest full of hidden traps, mysterious fees, and words that sound like Latin incantations (I’m looking at you, amortization).

So let me be your mortgage witch—but the good kind, like Glinda with a calculator and a mountain trail map. I promise:

🧙‍♀️ No spooky surprises. I’ll help you see the whole picture, from costs to timelines to your best loan options.

🔮 No crystal balls required. I’ll show you how real numbers—not rumors—drive your mortgage choices.

🕯️ No curses or trickery. Just honest conversations and clear steps forward.

If you’ve been thinking about buying a home, refinancing, or even just finding out what’s possible, you don’t have to go it alone in the haunted woods. I’m here to help you shine a lantern on the path and banish those mortgage monsters under the bed.

And hey—if you still want to show up in costume to our consult, I’m all for it. I’ll even bring candy.

Let’s make sure your home loan experience is more treat than trick.

#MortgageWithMelissa #MortgageWitch #HalloweenFun #NoMortgageMonsters #HomeLoanMagic #WitchyWisdom