Marshall Kutz AMKO Lending LLC

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Marshall Kutz AMKO Lending LLC

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Mortgage Broker/Owner of AMKO Lending LLC since 2018. NMLS ID28444/1804948
nmlsconsumeraccess.org Married with 3 young girls.

Been in the mortgage industry since 2005 and broker/owner of AMKO Lending LLC since 2018.

10/19/2026

Seven straight weeks of increases. This week: flat.

The 30-year held at 𝟳.𝟰𝟬%, the 15-year eased to 6.71%, and FHA dipped back under 7%. A pause isn't a reversal — but in this market, it counts.

What I'm watching: purchase applications slipped 4% as the 30-year touched 7.5%, its highest since 2023. Nationally, September sales ticked up 1.5% against a 4.8-month supply — more choice, cooler prices, real negotiating room. Closer to home, Cleveland is still firmly a seller's market: median $149,929, up 10.6% from last year, moving in about 32 days. Pricing right out of the gate matters more than ever.

The math: $400,000 at 7.40% runs about $2,770 a month in principal and interest, and each quarter-point moves it roughly $69. That's why buydowns and points deserve a serious conversation right now.

If you've been waiting for an opening — this is what it looks like. Let's run your numbers.

10/15/2026

Another one in the books!

This closing was especially meaningful because this client is someone I’ve gotten to know through our professional relationship over the years. He has built a great portfolio of investment properties, and we recently helped him pull equity from one of those properties to put it to work elsewhere.

A DSCR loan was a great fit for what he was looking to accomplish. This type of financing focuses on the income the property generates rather than relying on the traditional income documentation you would typically see with a mortgage.

That meant a much simpler documentation process, while still getting him a great rate and terms for his investment.

I love helping investors find financing that fits the way they actually invest. If you own rental properties and are wondering what options you have to access your equity, let's talk.

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

10/08/2026

Talk about a day full of action!

This one came to me through a referral from a financial advisor. The buyers had an offer accepted and originally expected to close in October.

Then they received an offer on their current home with a 14-day closing timeline.

So we got to work.

We had to move quickly and make sure every piece of the loan was ready to go on an accelerated timeline. In the end, we were able to coordinate a same-day simultaneous closing. They sold their current home in the morning, had the proceeds wired to the title company, and closed on their new home that afternoon.

By the end of the day, they had the keys to their new home!

When timelines change unexpectedly, preparation, communication, and a team that knows how to move quickly can make all the difference.

Another incredible closing and another happy set of homeowners. Congratulations!

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

10/05/2026

Buyers still hold the leverage this fall — and that window won't stay open forever.

Rates are at multi-year highs, and that's keeping a lot of buyers on the sidelines. But look at what's happening underneath: inventory is at its highest in over a decade, price growth has cooled, and buyers are negotiating price, repairs, and closing costs again. That's leverage we haven't seen in years.

Here's what experience has taught me: when rates come back down, the sideline buyers rush back in — and that surge in competition pushes prices up. The smart play is locking in today's price while competition is light. And if today's payment feels steep, a temporary buydown can lower it for the first year or two.

If you've been waiting, let's run your actual numbers. No pressure, no obligation.

10/01/2026

Closed!

This one came through a referral from a great real estate agent, and these buyers were looking for a home where they could grow their family.

We found a financing option that fit their situation and helped them secure an incredible deal. Along the way, a few unexpected issues came up that required us to dig into the guidelines, do some research, and find a way forward.

Things don't always go exactly as planned in a mortgage transaction, but that's where experience and knowing the guidelines can make all the difference. We worked through each hurdle, stayed focused on the goal, and closed right on schedule.

Another happy family in their new home, and another reminder that sometimes you just need someone willing to dig a little deeper.

If you're thinking about buying and aren't sure what options might work for you, let's talk. I'm always happy to help you explore the possibilities.

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

09/24/2026

Closed!

This one was extra special because this client came to me through a referral from a past client who trusted me enough to send their son my way.

Getting started took a little time as he worked through some life changes and got comfortable with the process. Once he was ready, though, things moved quickly and smoothly.

From getting started to closing day, it was a pleasure to work with him, and I’m so glad we were able to help him reach this next chapter.

There’s no greater compliment than a past client trusting you with someone they love. Referrals like this mean so much to me, and I’m incredibly grateful for the trust.

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

08/27/2026

Some closings mean just a little bit more.

This one was especially meaningful because I had the privilege of helping a close family member through one of life's biggest transitions. After living in the same home for more than 50 years, it was time to downsize into a condo that better fit this next chapter.

Leaving a home filled with decades of memories is never easy, so it was certainly bittersweet. At the same time, there was so much excitement knowing this move would bring a simpler lifestyle with far less upkeep and more time to enjoy the things that matter most.

I'm grateful she trusted me to help guide her through such an important milestone, and I'm excited to see her settle into her new home.

Whether you're buying your first home, your forever home, or downsizing into something that better fits your life today, I'm here to help make the transition as smooth as possible.

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

08/25/2026

Time to cover this again since I haven't mentioned this in a while:

We (AMKO Lending) strive to be the best place to GET A MORTGAGE as well as being the best place TO WORK IN MORTGAGES.

We believe these go hand in hand. We hire PROFESSIONALS who value life/balance but of course know that in order to be the best place to get a mortgage we must be available for our clients/partners.

As a loan officer/team member we encourage you to build a business that you are proud of, and that reflects who YOU are.

We will not dictate hours and force you to sit at your desk when you should be out in the community building lasting relationships.

We will provide the guidance and encouragement to help you build the business YOU strive to build and will be here every step of the way to help you achieve the goals you set out to achieve.

We are mortgage pros who have chosen to originate mortgages for a living - and we appreciate every opportunity we get to show everyone why we are....

The Best place to GET A MORTGAGE in Northeast Ohio because we are the Best place to WORK IN MORTGAGES in Northeast Ohio.

If you ever want to learn more about what we do please let me know!!

08/24/2026

Some opportunities are just too meaningful to pass up.

This client was referred by his financial advisor and had the chance to purchase his family’s former home — something that doesn’t come around often. Even though he’s currently living out of state, he plans to move back in a few years, so he made the decision to secure it now.

In the meantime, he’ll use it as an investment property until he’s ready to make it his home again — a great mix of long-term planning and personal significance.

Since this was also his first home purchase and a For Sale By Owner transaction, I was able to help guide him through each step along the way to make sure everything stayed on track.

Grateful to be part of such a special purchase and excited for what’s ahead for him.

Marshall Kutz
AMKO Lending LLC
[email protected]
216.539.5445
NMLS ID 28444
AMKO Lending NMLS ID #1804948

Address

2019 Center Street, Suite 103
Cleveland, OH
44113

Telephone

+12165395445

Website

http://amkolending.com/, http://www.amkolending.com/apply/marshall

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