IMI Lending

IMI Lending At IMI Lending, you’re an individual, not a number.

No rigid banking formulas here and work with 100+ investors to find you the best rates on all loan types! 🏡

📲 Message us now to find the perfect loan for you!
☎️ Call us at (817) 255-0144

🏠 August Recap: Key takeaways from this month's residential market!Here is a quick look at what shaped the home financin...
08/31/2026

🏠 August Recap: Key takeaways from this month's residential market!

Here is a quick look at what shaped the home financing landscape this past month:

☑️ Interest Rate Movements: Fluctuations in rate trends created strategic windows of opportunity for home buyers and homeowners eyeing refinance options.
☑️ Buyer Purchasing Power: Modest shifts in borrowing costs directly impacted monthly affordability, making rate locks and pre-approvals more critical than ever.
☑️ Loan Demand & Volume: Well-qualified buyers jumped on favorable dips, keeping application volumes steady across primary loan products (Conventional, FHA, and VA).

Whether you are planning your first home purchase, exploring refinancing options, or simply watching interest rate movements, having the right lending strategy makes all the difference.

💬 What are your real estate goals this upcoming season? Send me a message today or stay tuned for our upcoming September mortgage insights!

Hayley McClellon – Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

08/29/2026

🍂 Pre-Fall Home Buying Strategy: 3 financial steps to take right now to win this fall!

Planning to buy a home this fall? Getting your finances aligned now is the key to a stress-free purchase and a strong offer. Here are 3 crucial steps to take before you start shopping:

1️⃣ Secure a Solid Pre-Approval
☑️ Don't just pre-qualify—get fully pre-approved by a lender.
☑️ Shows sellers you're serious and ready to act fast.
☑️ Locks in your true budget before you start shopping.

2️⃣ Audit Your Out-of-Pocket Cash
☑️ Save for more than just the down payment.
☑️ Factor in closing costs (2%–5% of the loan).
☑️ Set aside funds for inspections, appraisals, and initial repairs or potential appraisal gaps.

3️⃣ Freeze Your Credit & Large Purchases
☑️ Hold off on opening new credit cards or financing a car.
☑️ Avoid changing job roles or transferring large sums of money.
☑️ Keeps your debt-to-income (DTI) ratio stable for final mortgage approval.

💬 Ready to win this fall market? Schedule your pre-fall strategy session with me today!

Hayley McClellon – Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

08/26/2026

📈 Watching interest rates bounce up and down while your loan is processing?

Don't let market swings throw off your monthly budget—that’s where a Rate Lock comes in!

☑️ Guaranteed Rate: A rate lock guarantees your specific interest rate for a set window (usually 30 to 60 days).
☑️ Protected Payment: Your monthly payment stays protected while we process your application.
☑️ 100% Safe: If rates rise before closing day, you are completely safe with predictable numbers and peace of mind.
In today's market, timing is everything!

💬 Reach out to me today to lock your rate and secure your terms!

Hayley McClellon – Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

🔍 Appraisal vs. Inspection: Why you need BOTH before closing! 🏠It’s easy to confuse these two steps in the home-buying p...
08/24/2026

🔍 Appraisal vs. Inspection: Why you need BOTH before closing! 🏠

It’s easy to confuse these two steps in the home-buying process, but they serve completely different (and equally crucial) purposes:

🛠️ Home Inspection = Protects YOU (The Buyer)
☑️ Goal: Evaluates the physical condition and structural health of the home.
☑️ Checks: Roof, foundation, HVAC, plumbing, electrical, and safety hazards.
☑️ Takeaway: Provides a detailed report on repair needs so you can negotiate seller credits, price reductions, or repairs before signing.

📊 Home Appraisal = Protects YOUR LENDER (And Your Equity)
☑️ Goal: Determines the fair market value of the property.
☑️ Checks: Comparable sales in the area, square footage, layout, and overall condition.
☑️ Takeaway: Ensures the bank isn't lending you more than the home is worth. If the value comes in low, you'll need to negotiate or bridge the gap.

💡 Bottom line: An appraisal keeps you from overpaying on Day 1. An inspection protects your safety and wallet for years to come.

💬 Have questions about getting loan-ready? DM me today to get started!

Hayley McClellon – Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

08/21/2026

🔨 Want to buy a fixer-upper or renovate the kitchen in the home you already own, but don’t have $50,000 sitting in cash? 🛠️

You don’t need a massive savings account or maxed-out high-interest credit cards to make your dream upgrades a reality—you need a Renovation Loan!

Here is why a renovation loan is one of the smartest ways to fund home improvements:

☑️ One Bundled Loan: It combines your purchase (or refinance) and renovation costs into a single mortgage payment.
☑️ Based on Future Value: Lenders lend money based on what the home will be worth after the repairs are completed, not just its current condition.
☑️ Popular Program Options: Choose from flexible options like the FHA 203(k) or Fannie Mae HomeStyle® loans depending on your credit profile and goals.
☑️ Low Interest Rates & One Simple Payment: Instead of high-interest personal loans or credit cards, your renovation costs are rolled right into your primary mortgage at low, fixed interest rates.

🚨 Stop putting off your home upgrades or passing on great fixer-upper opportunities in this market!

Before you start your next renovation project:

📊 Estimate your ideal renovation budget and scope of work.

📑 Explore which renovation loan program fits your strategy best.

🔑 Finance your upgrades smartly without draining your savings account!

📌 Save this post to review before planning your next home project!

💬 Comment “RENOVATE” below or send me a DM to see how much you can qualify for!

Alyssa Jones – Loan Officer
NMLS # 2737626 | IMI Mortgage Lending
📞 (817) 269-4091
✉️ [email protected]

🏡 Thinking about taking cash out of your home? Let’s talk about when it actually makes financial sense!A Cash-Out Refina...
08/17/2026

🏡 Thinking about taking cash out of your home? Let’s talk about when it actually makes financial sense!

A Cash-Out Refinance allows you to trade your current mortgage for a larger loan based on your home's total value, depositing the extra difference straight into your bank account. For example, if you have an old mortgage of $250k and take $50k in cash out, your new mortgage becomes $300k.

Here is how to make sure you are using your home equity wisely:

💡 Smart Ways to Use Your Cash-Out Refi:

💳 Crushing High-Interest Debt: Swap credit card balances (e.g., $15,000 at 22% APR) for a lower mortgage interest rate (e.g., ~$6.5% APR). This creates a lower single monthly payment and saves you thousands over time.

🔨 Reinvesting in Your Property: Spend $30,000 on a kitchen remodel or a new roof to increase your total home equity value by $40,000. You take cash out only to put even more value right back into your home!

⚠️ When NOT to Do It:

❌ Luxury vacations or trips
❌ Buying a brand-new car
❌ Everyday non-essential shopping
Remember: Vacations last a week, but paying off the loan lasts 30 years!

🚨 Every mortgage, interest rate, and home value is different. Make sure the math makes financial sense for your exact situation before tapping into your equity.

📌 Save this post to review before making any big refinanced equity decisions!

💬 Comment “NUMBERS” below or send a direct message to run your specific numbers and see if a cash-out refinance works for you!

Hayley McClellon – Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

If I were going to Open Houses this weekend, I wouldn’t just walk through admiring the decor... I’d make sure to ask the...
08/14/2026

If I were going to Open Houses this weekend, I wouldn’t just walk through admiring the decor... I’d make sure to ask these 3 essential questions before falling in love with a property! 🏡📋

Most home buyers tour homes looking only at cosmetic finishes. However, failing to ask the right questions can cost you thousands in unexpected repairs or cause you to lose out on a winning deal.

Here are 3 key questions to ask at every Open House:

1️⃣ Have there been any recent updates or major repairs?
A brand-new kitchen is great, but a 20-year-old roof or HVAC system can cost you thousands right after closing. Know what’s new and what’s near the end of its lifespan.

2️⃣ Are there any offers currently on the table?
This gives you a gauge of how fast the market is moving for this specific home and helps you decide if you need to act immediately or if you have time to think.

3️⃣ Why are the sellers moving, and what is their ideal timeline?
Understanding the seller's motivation can give you a huge advantage. If they need to move fast—or need a long rent-back—matching their timeline can make your offer stand out without just offering more money.

🎁 Bonus:
Walking into an Open House with a solid Pre-Approval letter in hand shows agents and sellers you’re a serious buyer ready to take action immediately!

House hunting isn't just about finding a pretty home... it's about getting the right leverage to make a smart offer. 🔑

💬 Comment “PREAPPROVAL” if you're house hunting this weekend and I’ll help get your financing ready to go!

👍 Save this post for your weekend house hunting trip, like, and follow for more real estate and mortgage tips.

Hayley McClellon - Loan Officer
NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

08/10/2026

🚨 3 MISTAKES THAT CAN KILL YOUR MORTGAGE APPROVAL 🚫🏠

You’ve found the house, your offer was accepted, and you're counting down the days to closing... but you aren't at the finish line just yet!

During the underwriting process, your financial activity is under a microscope. Even a well-intentioned decision can jeopardize your loan approval before you get the keys.

Here are 3 critical mistakes to avoid while your mortgage is in process:

💳 1. Opening New Credit Cards or Buying Furniture on Credit It’s tempting to start shopping for your new home, but opening new accounts or increasing your debt-to-income (DTI) ratio can instantly disqualify your loan. Hold off on any large purchases or financing until after closing!

💵 2. Depositing Large Untraceable Cash Lenders need a clear, documented paper trail for every single dollar used in your transaction. Cash deposits that can't be sourced or verified can cause major delays or red flags. Always consult your loan officer before depositing physical cash.

💼 3. Changing Jobs or Pay Structures Switching employers, transitioning from W-2 to 1099, or moving to a commission-based pay structure mid-process can disrupt your employment history and stability requirements.

❄️ The Golden Rule: Keep your finances completely FROZEN until the keys are officially in your hand!

📌 Save this post to keep these rules in mind during your home-buying journey.

📲 Share this with anyone currently shopping for a home!

💬 Comment “MISTAKES” below if you have questions about what you can and can't do before closing.

Hayley McClellon – Loan Officer NMLS # 2646048 | IMI Mortgage Lending
📞 (817) 255-0144
✉️ [email protected]

🔑 Think you need a 20% down payment to buy your first home? Think again!One of the biggest myths in the real estate mark...
08/07/2026

🔑 Think you need a 20% down payment to buy your first home? Think again!

One of the biggest myths in the real estate market is believing you need to save a massive fortune just to take that first step toward owning your home.

The reality? There are Down Payment Assistance programs specifically designed to help you cover your down payment and closing costs through grants or forgivable loans.

💰 Why should you take advantage of these perks?
Because not having tens of thousands in the bank shouldn't stand between you and your dream home.

💡 Key Benefits & Programs to Know:

💸 Up to 3%–5% in assistance through grants and forgivable loans.

💳 Accessible with credit scores starting at 620+.

🏛️ Access to official Texas assistance programs like TSAHC & TDHCA.

🎁 Bonus Perk: Haven't owned a home in the last 3 years? You qualify as a first-time homebuyer!

🚨 Don't miss out on these financial opportunities simply due to a lack of information about your financing options.

Before you start hunting for houses:

📊 Get informed about the programs available to you.

📑 Get pre-qualified with a trusted mortgage loan professional.

🔑 Maximize the available assistance and make your money work harder for you.

📌 Save this post if you're planning to buy your first house soon.

💬 Comment “BUY” below, and we'll send you more details on how to qualify for these assistance programs!

Alyssa Jones – Loan Officer

NMLS # 2737626 | IMI Mortgage Lending

📞 (817) 269-4091

✉️ [email protected]

Have you ever wondered what happens after you hit “submit” on your mortgage application? 🏡Getting a mortgage is not a on...
08/05/2026

Have you ever wondered what happens after you hit “submit” on your mortgage application? 🏡

Getting a mortgage is not a one-size-fits-all process. Behind the scenes, my job is to build a lending strategy designed around your financial situation and your long-term wealth goals.

Here is my 4-step process for every client:

1️⃣ Goal Alignment
Analyzing income, assets, and your 5–10 year financial plans.

2️⃣ Program Comparison
Running side-by-side scenarios between conventional loans, FHA, VA, and down payment assistance programs.

3️⃣ Stress Testing
Comparing interest rates, monthly cash flow, and upfront costs to help avoid unexpected surprises.

4️⃣ Underwriting Preparation
Structuring your file from the beginning so the path to closing is smooth, organized, and efficient.

No two home purchases are exactly the same, and your mortgage strategy shouldn’t be either!

💬 What is your #1 question about the mortgage process? Leave your loan questions in the comments below!

Hayley Mcclellon - Loan Officer
📞 817-255-0144

Address

Arlington, TX

Opening Hours

Monday 8:30am - 6:30pm
Tuesday 8:30am - 6:30pm
Wednesday 8:30am - 6:30pm
Thursday 8:30am - 6:30pm
Friday 8:30am - 6:30pm
Saturday 8:30am - 11pm

Telephone

+18172550144

Website

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