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Anne King, NMLS #253976

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Anne King, NMLS #253976

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25+ years helping buyers and homeowners move forward with clear guidance and a smooth process. Sales Manager, NMLS #253976. The Mortgage Link, NMLS #113054.
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Equal Housing Lender. Licensed in CO, FL, GA, IN, NJ, PA, TX. Anne King, NMLS #253976 is a Sales Manager at The Mortgage Link, Inc. with 25+ years of lending experience. Anne is known for a clear, structured process that keeps clients informed, partners aligned, and transactions moving without unnecessary surprises. This page is for homebuyers, homeowners, and referral partners who want straight answers, consistent updates, and education-first guidance throughout the loan process. Whether you’re buying a home or exploring refinance options, Anne helps you understand what to expect, what documents matter most, and how to plan next steps based on your goals. What you can expect when you work with Anne:
• Clear expectations from day one
• Organized documentation and proactive communication
• A calm closing experience built on preparation and clarity
• Respect for timelines, partners, and the client relationship

All loan applications are subject to credit approval, underwriting guidelines, and program availability. Not all applicants will qualify.

09/29/2026

“Buy a home in 2027” is a goal with a year attached.

Until the household decisions underneath it are clear, it still lives in the someday pile.

September is useful because there is time for the answer to be “not yet” without feeling behind. You can give the goal some shape before an application, a home search, or a deadline enters the picture.

Start with six decisions:

1. Why do you want to own?

Stability, space, family, control, and long-term plans can lead to very different choices.

2. When would you want to move?

A season or month creates a timeline you can work backward from.

3. What total monthly housing cost would feel sustainable?

Leave room for taxes, insurance, utilities, maintenance, savings, and the life you want outside the house.

4. What would you want saved before closing?

Think beyond the down payment to closing costs, moving, and the reserve you want left afterward.

5. What credit or documentation questions need an answer?

Early clarity gives you time to correct an error, gather records, or understand whether waiting would help.

6. What would justify waiting?

Name the conditions that would make renting another year, saving longer, or revisiting the goal later the better choice.

A completed plan may point to a future pre-approval. It may produce a savings target, a document list, or a date to check in again. It may also confirm that 2027 is not the right year.

That is still progress. You have replaced a vague goal with an informed decision.

The First-Time Home Buyer Game Plan walks through these questions and the rest of the buying process in one place.

Download: https://annekingmortgage.com/resources/first-time-homebuyer-game-plan

*Educational information only. The guide is not a commitment to lend or a guarantee of eligibility, approval, program availability, or loan terms.*

Visual note: This image was created with AI. The information in this post was researched and reviewed by our team.

09/24/2026

A Fort Wayne home tour can turn serious faster than the household planning behind it.

Allen County had 2.1 months of inventory in July, and closed homes sold for an average of 98.2% of list price. Those numbers do not mean every house will be competitive, and they do not tell any buyer to hurry.

They do make one point worth taking seriously: the first offer is a poor place to discover your own limits.

Before the next serious tour, write down five boundaries:

1. Your comfortable total payment

Include the parts that can disappear from an online estimate: property taxes, homeowners insurance, mortgage insurance if applicable, and any association dues.

2. Your working cash-to-close range

Know which funds may be available for the purchase and which dollars already have another job.

3. Your reserve floor

Choose the amount you want left after closing and moving. Do not let the excitement of one house spend it twice.

4. Your documentation questions

Identify any income, debt, credit, or source-of-funds issue that needs a clear answer before an offer creates a deadline.

5. Your walk-away line

Set the highest price and the terms that still protect the payment, the reserve, and the rest of the household plan.

A pre-approval can help define what may be possible. It does not choose what is comfortable for your life.

Good preparation makes it easier to walk away from a house that only works when every number is stretched.

Save this checklist and complete it before the next serious tour.

If you want a fuller planning tool, the First-Time Home Buyer Game Plan can help you organize the questions before you shop.

Access the game plan on my website: https://annekingmortgage.com/resources/first-time-homebuyer-game-plan

*Local data: Indiana Association of REALTORS®, Allen County Monthly Market Report, July 2026. Market data is not an individual loan quote, approval, budget, or offer recommendation.*

Visual note: An image in this post was created with AI. The information in this post was researched and reviewed by our team.

09/22/2026

South Florida buyers can make an expensive budgeting mistake before they ever make an offer: copying the seller's property-tax bill into their own monthly estimate.

Broward County's Property Appraiser states the warning plainly. A change in ownership resets the assessed value to full market value, which can result in higher property taxes. The seller's exemptions and accumulated Save Our Homes benefit may be reflected in the current bill; those do not simply remain with the house for the next owner.

Miami-Dade's Property Appraiser explains the same underlying idea through the new owner's base year. When an owner first receives the Homestead Exemption, market value and assessed value are equal for that base year. The Save Our Homes limitation applies after that.

The practical takeaway is simple: the current bill is historical information. It is not a reliable projection of your future bill.

Before comparing two single-family homes, build the estimate with:

1. The expected purchase value
2. The correct county and municipality
3. Exemptions or portability that may apply to you
4. Non-ad valorem charges or special assessments the basic estimate may not include

Use the official estimator for the property you are considering:

- Broward County: https://bcpa.net/taxcalc.asp
- Miami-Dade County: https://apps.miamidadepa.gov/PAOnlineTools/Taxes/TaxEstimator.aspx

Both tools produce estimates. Rates, values, exemptions, and charges can change, and the final tax bill may be higher or lower.

Save this before comparing homes, and run the estimate before a property's current tax bill finds its way into your long-term budget.

*Sources: Broward County Property Appraiser and Miami-Dade County Property Appraiser, reviewed September 2026.*

09/17/2026

Few mortgage letters are more confusing than one that says your payment is going up when you distinctly remember choosing a fixed rate.

The fixed part is generally the interest rate—and, on a standard fixed-rate loan with regular on-time payments, the principal-and-interest payment. The amount you send each month may also include property taxes, homeowners insurance, mortgage insurance if applicable, and an escrow adjustment.

Those pieces can move.

If a new payment catches you off guard, start with the paperwork:

1. Put the old and new statements side by side.

Look for the line that changed. The new total by itself cannot tell you why.

2. Find the latest escrow analysis and recent tax or insurance notices.

A change in taxes, premiums, or an escrow shortage may explain the difference.

3. Ask the servicer to identify the change.

Confirm which component moved, when it took effect, how it was calculated, and whether the adjustment is temporary or ongoing. Keep the notice and your call notes.

Other loan features or fees can also affect a payment, so use your own documents rather than a general explanation to diagnose the account.

The Current Mortgage Review Guide can help you organize the statement, escrow analysis, and notices before deciding what question to ask next.

Access the guide: https://annekingmortgage.com/resources/current-mortgage-review-guide

*Educational information only. For an account-specific explanation or a suspected error, contact your mortgage servicer. Source: Consumer Financial Protection Bureau, reviewed September 2026.*

09/15/2026

If you’re getting ready to buy a home, there’s an important credit update worth knowing. As of September 9, Fannie Mae and Freddie Mac lenders can use VantageScore 4.0 for eligible loans without getting prior written approval.

That doesn’t mean every lender has switched to the new model. Lenders that aren’t ready to use VantageScore 4.0 can continue using Classic FICO, so buyers should not assume every lender will use the same credit-scoring model.

It’s also important not to assume this change will automatically lead to a higher score, easier approval, or better pricing. Normal underwriting requirements still apply, and the credit score you see through a bank, credit card company, or consumer app may not be the same score used for your mortgage.

For Fannie Mae loans, the same scoring model must be used for every borrower on the loan, and manually underwritten loans still require Classic FICO.

The main takeaway is simple: before relying on any credit score during the homebuying process, ask your lender which scoring model will actually be used for your loan.

09/15/2026

September can feel early to talk about a 2027 home purchase.

But for a self-employed buyer, it may be exactly the right month to put that goal on the agenda for year-end tax planning.

Tax returns do more than record what a business earned. In mortgage underwriting, they can become part of a cash-flow analysis that looks at income available to the borrower, year-to-year trends, the strength of the business, and whether income appears stable and likely to continue.

Gross revenue and mortgage qualifying income answer different questions. The analysis can depend on business structure, ownership, distributions, expenses, documentation, trends, and the rest of the file. One deduction viewed alone cannot tell you the outcome.

Before tax decisions are final, work through four questions:

1. When do you hope to buy?

A general “next year” goal is less useful than a realistic window.

2. How is the business structured, and what is your ownership?

That can affect which personal and business records may need review.

3. Which returns and financial records will be available by that point?

Knowing the likely document set can uncover timing questions while there is still room to address them.

4. Have both professionals heard the same goal?

Your tax professional should guide tax decisions. Your mortgage professional can explain the documentation and income-analysis side. Neither should be asked to do the other's job.

Early coordination does not require a mortgage application, and it does not mean making tax choices for the sake of a loan. It gives you a clearer view of how two important decisions may interact before either one becomes urgent.

Save this before your year-end tax meeting, or send it to a business owner who hopes to buy next year.

*Mortgage-planning education only. Anne King is not a tax advisor. Consult a qualified tax professional before making tax decisions. Source: Fannie Mae Selling Guide, reviewed September 2026.*

Visual note: This image was created with AI. The information in this post was researched and reviewed by our team.

09/10/2026

More Philadelphia-area homes are on the market than a year ago. For a family that has been waiting for more choice, that can bring the move-up conversation back to the kitchen table.

The conversation often stops at the mortgage statement.

That makes sense.

FHFA research has measured how strongly below-market rates discourage homeowners from selling.* A low rate may be one of the most valuable pieces of a household's financial picture.

Give the rate a vote, then keep going.

1. What would the next home cost each month, all in?

Include principal and interest, property taxes, homeowners insurance, and any applicable association dues. Compare the full payment with the one you have now.

2. How much equity would actually support the move?

Start with an estimated sale, then account for selling costs, cash needed for the next purchase, and the reserve you want left afterward.

3. How long would the next home need to fit?

A move looks different when the next house needs to work for three years versus ten.

4. What would change outside the mortgage?

Commute. Childcare. Caregiving. Maintenance. The time a house takes from the people who live in it.

5. What would staying require?

Price the repairs, renovation, or reworking of daily routines that might help the current home carry the family through the same stretch.

A mortgage rate cannot measure the hour in traffic, the bedroom doing three jobs, or the stairs a parent can no longer manage.

Those details belong in the decision too.

Some households will work through the questions and stay. Others will decide that a higher payment buys enough function and time to be worth considering. Both conclusions can be responsible.

Save this for the next move-or-stay conversation and review the five questions together before browsing listings.

The Current Mortgage Review Guide is available as an optional starting point if you want to organize the mortgage you already have.

You can download the guide on my website: https://annekingmortgage.com/resources/current-mortgage-review-guide

*Local context: Bright MLS, Philadelphia Metro, July 2026. Lock-in context: Federal Housing Finance Agency.*

Visual note: An image in this post was created with AI. The information in this post was researched and reviewed by our team.

09/08/2026

There’s a certain relief in saying, “I’m not ready to buy.” I believe it is because it closes the subject for the moment.

If homeownership keeps returning to the conversation, though, that sentence deserves one more word: "because."

Federal Reserve research* on renters shows how many different reasons can sit behind the same decision. Cash, monthly cost, qualification, flexibility, and financial risk often overlap.

Try finishing the sentence:

1. Cash: “I don’t have enough yet.”

“Enough” needs a job. Are you thinking about the down payment, closing costs, moving, or the amount you want left untouched afterward? Those are separate numbers.

2. Payment: “I don’t trust what the monthly cost would do to the rest of my life.”

A listing price alone will not settle that. The more useful figure is the full housing cost that leaves room for groceries, childcare, savings, repairs, and everything else your income supports.

3. Credit or debt: “I don’t know what mine means.”

Uncertainty can turn into a blanket no. A careful review may lead to a short task list, a longer timeline, or confirmation that waiting is wise.

4. Income: “Mine feels hard to predict or document.”

A recent job change, variable pay, or self-employment can make timing and paperwork more important. Clarity about records and timing is more useful than guessing at an outcome.

5. Timing and responsibility: “I may move—or I’m not sure I want everything ownership brings.”

That answer deserves respect. Flexibility has real value, and homeownership brings repair costs, transaction costs, and less freedom to relocate quickly. Renting or waiting may fit the life you have now.

Once you finish the sentence, you have something you can evaluate. The next step might be a savings target, a payment limit, a document checklist, a later check-in, or a clear decision to keep renting.

Which condition would have to change before homeownership felt worth exploring in the next 12 months? You don’t need to share numbers. Name the condition only, if you’re comfortable.

*Research note: Federal Reserve renter findings and CFPB homebuying preparation guidance reviewed September 2026.*

09/03/2026

Fort Wayne is often described as affordable. That can be a helpful place to begin—just not a number to build your whole home search around.

The latest Allen County affordability report* put the three-month median sale price at $285,000. It also found that 34.9% of listings in the prior 90 days were modeled affordable for a household earning $75,000.

That is useful market context. But it still cannot tell you what feels sustainable for your household.

A home at the same price can land very differently depending on the payment, the taxes and insurance, how much cash you want left after closing, and everything else your income already supports.

Before you start scrolling listings, decide what you want your monthly housing cost to leave room for. Your savings. Your commute. Your kids. A repair that shows up at the wrong time. A life that does not get smaller just because you bought a house.

The right price range is not the highest number available to you. It is the one that makes sense for the way you live.

Save this before setting a home-search ceiling, or send it to someone comparing homes by price alone.

If you are early in the process, the First-Time Homebuyer Game Plan is there when you are ready to work through the bigger picture.

You can download it for free on my webite: https://annekingmortgage.com/resources/first-time-homebuyer-game-plan

*Local data: Indiana Association of REALTORS®, Allen County Housing Affordability Report, July 2026. The report’s market calculations are not an individual loan quote, approval, or recommended budget.*

Visual note: An image in this post was created with AI. The information in this post was researched and reviewed by our team.

09/01/2026

The first week of school can make a familiar house feel different. 🎒

The morning drive is back. Homework needs a landing place. The room that worked “for now” is suddenly an office, a playroom, and the only quiet corner in the house.

That does not mean it is time to move. It does mean September gives you a clearer picture of what is working—and what may not work for another school year.

If your family hopes to be settled somewhere different before fall 2027, start with the decisions that come before the listings:

- If you own now, would you need to sell before you buy?
- What total monthly housing cost would leave room for the rest of your life?
- How much savings would you want left after closing and moving?
- Is there anything in your income, credit, or paperwork that could need extra time to sort out?
- When would you want to be settled, and how much breathing room would you want before school begins?

None of this requires an application. It begins with your household, your numbers, and your priorities.

Planning early may uncover a realistic path. It may also confirm that another year in the same home is the better decision. September leaves room for either answer, before spring listings and school deadlines make everything feel more urgent.

Save this list, or send it to the person you keep having this conversation with. 🏡

Visual note: This image was created with AI. The information in this post was researched and reviewed by our team.

Address

14 Crozierville Road, Suite A-101
Aston, PA
19014

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+12153839397

Website

https://www.themortgagelink.com/loan-officer/anne-king, http://nmlsconsumeraccess.org/, https://myloan.themortgagelink.c

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