Ben Link, Mortgage Broker

08/27/2026

How come? lol

08/25/2026

Very soon, you could be walking into a home you worked hard for.

The saving.
The waiting.
The second-guessing.
The Leap of Faith.

It all counts.

Buying a home does not happen on the same timeline for everyone. Some buyers need more time to save. Others need time to improve credit, grow income, or get paperwork in order.

Your path may look different, but that does not mean you are behind.

Every step can move you closer.

Not sure where you stand?
Reach out to me.
I can help you understand your next step.

08/24/2026

Things to check when buying a home 🏡

Roof – Ask how old it is and when it may need to be replaced.
Heating & AC – Check the age and condition.
Water heater – Older ones may need replacing soon.
Electrical panel – Old systems can be costly to update.
Plumbing – Watch for leaks, low pressure, or old pipes.
Sewer line – Problems here can get expensive fast.
Windows – Drafty or damaged windows can raise energy bills.
Foundation – Look for big cracks, uneven floors, or sticking doors.
Water damage – Check for stains, mold, or musty smells.
Insulation – Poor insulation can make bills higher.
Drainage – Water should move away from the home.
Termites – Wood damage can lead to costly repairs.

A home may look great on the outside, but these are the things that can really affect your budget.

Save this for your home search.

08/21/2026

Why does your loan officer tell you not to do these things before closing? 👇

🚗 Don't buy a new car.
A new loan payment will change your monthly budget and lower your house buying power. If possible, wait until after you close on your home purchase.

💼 Don't change jobs without talking to your loan officer first.
A new job or a big change in how you get paid can affect your loan approval. Always check first so the two of you can navigate things successfully.

💵 Don't make large cash deposits.
Underwriters will notice large or unusual deposits, and want documentation on where the money came from. You can't have money magically appear out of thin air.
Before moving money around, talk with your loan officer.

The good news?
You don't have to figure it all out on your own. Your loan officer wants to work WITH you, and wants you to get the house.

A quick conversation before making a big financial decision can save you time, stress, and help keep your home purchase on track.

08/20/2026

Try to NOT book a trip in the middle of buying a home, especially near the end of the transaction. The last few days before closing can be busy.

You might need to provide a last minute document or a quick signature. If you are traveling, this can cause delays.

Wait until after you get the keys before taking that trip.
Thank You !!!!

Funny side story - I had a client go missing in the middle of a transaction one time. Nowhere to be found. Turned out he was in jail for 30 days and he forgot to mention it.
It's a crazy business.

08/18/2026

Paying $2,500 in rent each month adds up to $90,000 in just three years. Yikes!
That money pays for a place to live, but it does not build equity for you. It builds equity for your landlord.
Buying a home is not right for everyone. But it may be worth comparing a mortgage payment to your current rent.
- I help borrowers discover what they can afford.
- If there are items to take care of before buying a home, we can
identify those, to insure a nice and smooth transaction.
- Understand each step of the process
Buying a home is complicated.
You don't have to figure it all out alone.
Reach out to me and let's get things started.

08/11/2026

Need a great realtor? I can help.

08/15/2025

Sometimes you find little niches in home financing that are surprising, and can make all the difference.

I just helped a couple with a home equity line of credit (heloc). They had experienced a home fire, and the insurance money wasn't enough to rebuild. They were stuck half-way through the rehab, and out of money.

We got them a heloc WITHOUT needing an appraisal.
The costs were low, and the whole process only took 2 weeks.

They now have the cash to finish the rebuild, and they didn't have to refinance their 1st mortgage with a very low interest rate.

This was a great solution to a sticky problem.

I am very happy for these folks, because now they can get back to a normal life, and move out of the camper they have been living out of in their driveway.

If you have a tricky situation and need some help figuring a way out, reach out to me. I would love to help find your solution, too!

Send a message to learn more

07/21/2025

Is the "One Big Beautiful Bill" beneficial to Americans?

- It locks in lower tax rates and the mortgage interest deduction,

- Doubles the standard deduction,

- Temporarily increases the SALT credits (you get to deduct your state/local taxes on your federal tax return),

- Turbo boosts the low income housing tax credit, which encourages builders to build low-income housing (we need more of that!),

- Makes the 1031 tax exchange permanent, allowing rental property owners to sell one rental in order to buy another, and avoid taxation on profits as long as they don't pull any of those profits out during the transaction.

I am no tax professional, but as a tax payer and a mortgage professional, all of these seem like good things to me.

The One Big Beautiful Bill Act was a big win for real estate: it extended and/or permanently enshrined many tax breaks for homeowners.

02/21/2025

Want to buy a home? Now may be the time. A slight dip in the month-to-month numbers, but a slight increase in the year-over-year numbers. If you wait for interest rates to drop (if they drop), you will face increased competition from other buyers who are also waiting. We know how that ends - higher sales prices due to bidding wars. I wouldn't call this a buyer's market, but it may be as close as we will get for a while.

Closings on existing homes decreased by 4.9% from December to January, slightly missing projections. However, they have risen year-over-year for four consecutive months. Additionally, inventory saw a modest uptick.