Make sure you look at these tips a few months BEFORE you are ready to get into the process!
Credit is KEY
The higher the score, the better the rate! However, just because your credit isn’t perfect, doesn’t meant that you can’t get a great rate. Let’s talk credit and see what is possible!
NO LARGE DEPOSITS
The fact of the matter is, we are going to need to take a look at your Bank Statements during the process. Make sure that if there is a large deposit in there (More than $1000), that we can explain it!
NO MATTRESS MONEY
Now, I know you probably don’t keep money in your mattress like Memaw, but you may have some in your safe you want to use for a down payment. Unfortunately we can’t use cold hard cash, so put it in your bank months before it is time to buy your new home.
You don’t need 20% down
We hear things like “But I thought I had to put 20% down??” all the time from some of our clients on our initial call. This is FALSE, and there are many different programs out there that require a VERY low down-payment.
Talk to a Mortgage Professional First
Without doing this, you may find a home you fall in love with, but then later find out that you are not comfortable with the payment, or can’t afford it. If you speak with a Mortgage Professional BEFORE you speak to a Realtor, you will have a clear path of what your price range is, and what you want for your next home!
Brokers are better!
We don’t work for a big bank, we work for you! You don’t have to fit into a specific “Approval Box” because we know everyone is different. We work with 13 different wholesale companies to make sure that you are getting a loan that is specifically tailored to your individual situation, getting the lowest rates possible, and putting you in the best position to get the home of your dreams!
Find out if you qualify today!
Speak to a live mortgage originator who can answer all of your questions
Here’s what our clients had to say about our services:
Last time we bought a house, we got a really great rate from our bank. I was skeptical about asking for a quote from anyone else. When I spoke to Tony I was genuinely surprised at the quote. It was lower than my other quote. The fees were lower to boot. Tony was very helpful in explaining the process. He really helped us understand each step and made us comfortable with the whole process.
He even helped us close a week early. We gave him a tight timeline, and he met it without breaking a sweat.
Go get a quote from where you think you want a mortgage, then come to Moneylink. You’ll see how much you can save, and how helpful they are. I will definitely use them in the future, and I recommend all of my friends and family do the same.
Michael and his staff were great to work with! I had worked with a mortgage broker a while back who I found out after working with Michael, had given me incorrect information. Michael made the mortgage and closing on our new condo happen like magic. I’ve purchased 2 houses in the past and this was by far the smoothest abs fastest experience. I highly recommend Michael and the team!
I was lucky enough to be recommended to work with Tony! Tony’s customer service, personality, and professionalism was out of this world. He literally dropped what he was doing to help me with anything I needed.
Being a first time homebuyer I was skeptical about everything and overanalyzed each and every thing. Tony reassured me that that was how I should be with my first home and that he would guide me the entire way. And he did not disappoint.
Such a great guy! Thanks Tony!!!
If you are looking for a dedicated professional team to help you find the perfect mortgage to fit your needs, moneylink is the mortgage team for you. Michael,Kelly, and Kathy all take the time to explain every step of the process. They make every effort to make the process as seamless and stress free as possible. They are the experts in their field and they are truly a resource for homebuyers. If you were to ask me if I would use them again my answer would be ” I just did.” Thank you moneylink for another great home buying experience. 2 great homebuying experiences with this great team!
We worked with Tony when buying our first home and I could not be happier with the process. Him and Kelly were both so responsive, knowledgeable, and helped make the home buying journey as painless as possible. You need to have these guys on your team if you’re buying a house!
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