Ben Link, Mortgage Broker

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United States
Arlington, WA
Ben Link, Mortgage Broker

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Your straight-talking mortgage broker with 36+ years of experience. Dad and Grandpa. Enjoys golf and walking my dog.

Ben works with home buyers and homeowners looking to refinance to get low rate, no hassle mortgages. Ben works with first time buyers, families that own a home but are looking at buying a new or second home, as well as with real estate investors. You can contact Ben by text or voice at (425) 273-0565, or email to [email protected].

10/13/2026

If buying a home is one of your goals…

Start preparing BEFORE you start shopping.
There are a few moves you may want to think twice about before buying:

Avoid taking on a new car payment
Don't open new credit cards or additional consumer debt
Don't make any large or unusual deposits without documentation
Delay a big career change - a new employer is okay, but not a new profession
Do everyone (including yourself) a big favor, and don't wait until the last minute to get prepared

Everyone’s situation is different.
That’s why one of the best things you can do is talk to a trusted loan officer BEFORE making a big financial change.

Instead, start with the basics:

Pay your bills on time.
Keep an eye on your debt.
Build your savings.
Figure out what monthly payment feels comfortable for YOUR life.

And start asking questions early — even if you’re months away from buying.

Loan programs, guidelines, rates, and requirements can change, and your individual situation matters.

The goal isn’t to make your finances “perfect.”

It’s to have a plan.

Reach out to me and let's put a plan in place.

10/12/2026

Do you want this to be you?

Checking your inbox 500 times because you have NO idea what’s happening with your loan?

Buying a home can already feel stressful.

You shouldn’t have to wonder:

“Did we get approved?”
“Is everything okay?”
“What happens next?”
“Should I be doing something?”
That’s why communication matters.

I want you to know where we are, what we’re waiting on, and what comes next.

You might still refresh your inbox a few times.
But you shouldn’t feel like you’re completely in the dark.
Work with someone who keeps you in the loop.

Thinking about buying? Let’s talk.

09/29/2026

That home that’s been sitting on the market for a while? 👀

There MAY be an opportunity to negotiate.
And asking for a lower price isn’t your only option.
You may be able to ask the seller to help with some of your closing costs instead.

Here’s what that COULD look like:

🏠 Home price: $425,000
💰 Offer: $425,000
🤝 Seller concession: 2% = $8,500

Instead of negotiating a lower purchase price, that $8,500 could potentially help cover eligible closing costs.

That could mean keeping more of your own money in the bank after closing. 🙌
But these numbers are just an example.

What a seller can contribute and what those funds can be used for will depend on your loan, down payment, and specific situation.

This is just an example, but it's why we look at YOUR numbers and figure out which strategy makes the most sense for you.

Sometimes getting the best deal isn’t just about getting the low price. 🏡

Reach out and let's talk !

09/28/2026

Before you fall in love with houses on Zillow, you need to know what actually feels comfortable month to month.

Try this first 👇

• Add your incomes together
• Divide by 12
• Multiply by .36
• Subtract your monthly debts
That number?

That’s a safe mortgage payment, not the max a lender might approve you for.

Yes, lenders may approve you for more.
But more approval doesn’t always mean more comfort.

My goal is simple:
Help you buy a home without becoming house poor so your life still feels good after you get the keys. 🏡

If you want help running your numbers the right way and potentially save more, send me a message, and we will walk through the math together.

09/15/2026

This is why you don’t just “sign for a house.”

Your mortgage isn’t the only cost: gas, groceries, utilities, insurance, life… it all adds up.

My job isn’t to stretch you to the max.
It’s to make sure you can afford your home and still live your life without stress.

That’s the difference between a lender who cares about you and one who just wants their commission.

If you'd like help running real numbers before committing, I’m always happy to talk.

09/04/2026

Me laughing at the underwriter’s jokes because I’m trying to get my borrowers to the closing table. 😂

Behind the scenes, I’m answering questions, gathering and sending documents, clearing up confusion, and doing whatever I can to keep things moving.

Because when you’re buying a home, you shouldn’t have to figure all of this out alone.

My job is to help make the process easier, keep things on track, and advocate for you all the way to closing. 🏡

09/03/2026

So I saw this recently and have some doubts.
Does anyone follow this schedule?
I know I don't.

Cleaning my HVAC filter every 1-2 months seems like overkill.
Our HVAC maintenance guy comes by annually, and our filter is always in good shape (but he changes it anyway).

Let me know if you have a different schedule for any of these tasks.
_ _ _ _

Owning a home isn’t just about paying the mortgage. 🏡

A few small maintenance jobs can help you avoid much bigger repair bills later.

Change your filters.
Check for leaks.
Clean your vents.
Keep an eye on your roof.

Something important they left off the list is keeping your gutters clear, and maintaining at least a 6 inch gap between your siding and any shrubs and bark mulch/soil.
Insuring that rainwater is moving away from your home prevents lots of problems later on.

Most of these only take a few minutes, but ignoring them can turn a small problem into an expensive one.

09/02/2026

You skipped the new car... and bought the house instead. 🏡

Sometimes the best financial move isn't buying what you want today.
It's buying what helps your future.

A car usually goes down in value.
A home has the potential to grow in value over time.

The right plan today can open more doors tomorrow.

Buy smart. Your future self will thank you. 👏

Thinking about buying a home but not sure where to start?
I'd be happy to answer your questions and help you explore your options.

09/01/2026

I’ve heard a lot of stories from buyers who were surprised by closing costs because they were only planning for the down payment.

That’s exactly why I like to let people know this up front.

Closing costs can include things like:
• The lender's discount fee for the interest rate you select
• Underwriting fee and / or admin fee
• The courthouse recording fee
• Property taxes and sales/excise taxes
• First year's premium for home insurance
• lender and title fees

These costs can add up fast, so it helps to know the full picture early and not get caught off guard. Nobody likes surprises - don't be surprised !!

If you’re thinking about buying, reach out.
I’m happy to help you understand what to expect so you can plan with more confidence. 🏡

08/28/2026

A home is a big investment, and the things inside it will not last forever.

Your roof, heating and AC, water heater, and appliances all have a lifespan.
Knowing how old they are can help you plan, save for repairs, and avoid a big surprise later.

A little maintenance now can also help things last longer and save you money over time.
Buying the home is only the first step.
Taking care of it is what protects your investment.

Address

Corporate Office/3325 Smokey Point Drive #103
Arlington, WA
98223

Telephone

+14252730565

Website

http://benlinkmortgage.com/

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