Alie Bard, Mortgage Loan Officer

07/16/2025

Tired of hearing the same old market myths that don’t match your reality? Same here. 🙄🏡
The truth is, what’s happening nationally isn’t always what’s happening in your backyard.
Headlines love drama, but your personal market, your timing, your goals, your financial situation, is what really matters.
Before you make a move based on fear or rumors, let’s talk about what’s actually happening for you.
👉Shoot me a call or text and let's chat
814-746-1137
[email protected]

07/10/2025

Looking to be pre-approved for a home loan? Look no further! My expertise in the mortgage lending realm is all you need to make a smooth purchase. I handle the financing and can connect you to an agent to help you find the home of your dreams!

Choosing the right lending specialist can make or break a deal. Here’s why I’m the perfect choice to help you navigate the journey:
🔑 15+ Years of Expertise
With over 15 years of experience in the industry, I’ve helped countless clients secure the right mortgage for their needs. I know the ins and outs of the process and the latest underwriting guidelines, ensuring you get the best possible options.
📚 Deep Knowledge of Underwriting Guidelines
Mortgage guidelines can be tricky, but I’m well-versed in the details. Whether you have a unique financial situation or a challenging credit history, I know how to find the solution that works for you—no matter the challenge.
🧠 A True Problem Solver
In my experience, no two homebuyers are the same, and obstacles are part of the process. What sets me apart is my ability to find creative solutions to complex issues. If there’s a way to make it work, I’ll find it.
💼 Personalized Support Every Step of the Way
I pride myself on providing a personal, hands-on approach. From pre-approval to closing, I’ll be by your side, ensuring you feel confident and informed at every stage of the process. You work ONLY with me... no processors, assistants, etc. Available virtually 24/7 for you!

Ready to get started? Let’s chat! Together, we can make your dream home a reality.
👩🏾‍💻 Alie Bard | Mortgage Broker
NMLS 1622143 | Landmark Mortgage Group
📲 814-746-1137 (text or call)
🌏 www.MortgageAlie.com
📧 [email protected]

03/26/2025

I am always honored to serve our veterans and active-duty service members on their journey to homeownership! If you have a military client looking to buy a home (or if you yourself are current or former military and are looking to buy a home), I'm here to make the VA loan process smooth and stress-free.
💥 Here’s why VA loans are a game-changer:
✅ Zero Down Payment – 100% financing makes homeownership more accessible.
✅ Competitive Interest Rates – Save money with lower rates and better terms.
✅ No Private Mortgage Insurance (PMI) – More affordability with no extra monthly costs.
✅ Easier Qualification – Flexible credit and income requirements tailored for military families.
✅ Fast Approvals & Closings – Streamlined process ensures a quick and smooth experience.
💬 Let’s connect today! Helping our heroes achieve the American Dream is what I do best. Their service deserves the best financing options—and I'm here to deliver!

1622143

02/05/2025

Now is the time to buy for those worried about rates. Homes are starting to sit on the market longer meaning sellers may be willing to give you more credits. Use those credits to buy down your interest rate! Buying your rate down just 1 point could potentially save you $150-$200 per month! Instead of $2,000, your mortgage could be $1,800 using a seller credit to buy down the rate. Let me show you an estimate! 🤑

05/17/2024

Interest in a home that's in a more "rural" area? USDA home loans offer several benefits, including:
1. **No Down Payment:** One of the most significant advantages is that USDA loans often don’t require a down payment, making homeownership more accessible for those who may not have substantial savings.
2. **Low Interest Rates:** USDA loans typically offer competitive interest rates, which can save borrowers money over the life of the loan.
3. **Flexible Credit Guidelines:** USDA loans have more lenient credit requirements compared to conventional loans, making them accessible to borrowers with less-than-perfect credit.
4. **Rural Development:** USDA loans are designed to promote homeownership in rural and suburban areas, so they’re a great option for those looking to buy in eligible rural communities.
5. **Fixed-Rate Loans:** Many USDA loans offer fixed interest rates, providing stability and predictability in monthly payments over the life of the loan.
6. **No Private Mortgage Insurance (PMI):** Unlike conventional loans, USDA loans don’t require private mortgage insurance (PMI), which can save borrowers money on their monthly payments.
7. **You can still ask for upto 6% seller assist- many USDA borrowers need ZERO funds to close!
8. ** "Rural" is a relative term...USDA eligible properties are more common than you may think!

Overall, USDA home loans can be an excellent option for eligible borrowers looking to purchase a home in rural or suburban areas with little to no down payment and favorable terms.
If you would like more information or have any questions, please contact me at 814-746-1137

05/16/2024

03/22/2024

Struggling with debt? Here’s a heads up on 4 debt repayment strategies that might actually set you back! ⚠️

1️⃣ Minimum Payments Trap: Just paying the minimum? This prolongs your debt journey and hikes up interest costs!
2️⃣ Debt Settlement Offers: They sound tempting but can hurt your credit score and aren’t always as sweet as they seem.
3️⃣ Borrowing from Retirement Funds: Sure, it’s your money, but dipping into retirement savings can lead to penalties and a rocky future.
4️⃣ Using a HELOC: Tapping into home equity might seem smart, but it puts your home at risk and can create a deeper debt hole. 🏠💔

Remember, cutting down debt is a marathon, not a sprint.
Opt for strategies that are sustainable and keep those quick fixes at bay! Your wallet will be happier in the long run.

01/30/2024

🗣️🗣️🗣️Student loans are counted into your debt to income ratio when purchasing a home, check out the info below! 👇

🧐 Let’s use $100,000 in total student loan debt for an example, and the calculation will be at the end for each explanation.

Here are some common student loan calculations👇🏾

✨If the payment reports *blank* on the credit report due to the loan being deferred or in forbearance👇🏾
VA loans: Total outstanding balance x .05 / 12 ($416)
FHA: .5% of the total outstanding balance ($500)
USDA: .5% of the total outstanding balance ($500)
Conventional: .5% or 1% of the total outstanding balance (depends on the underwriting system used) ($500 or $1,000)

💎 (THIS IS THE CHEAT CODE💪🏾) With conventional loans, if the report shows *blank* for the monthly payment, BUT the loan is on an income based repayment plan (PAYE, IBR, IDR, etc.), and you can show proof of the income based repayment amount, then the IBR payment can be used instead of the above calculated amounts...even if it is $0! THIS RIGHT HERE can make all the difference when you are trying to qualify for a mortgage loan 🫶

💟Conventional loans have as little as 3-5% down payments so if you have student loan debt but qualify for a conventional loan, there is potential for you to exclude your student loans (or at least use a very low monthly amount for qualifying purposes) AND not have a large down payment🙌🏾

12/11/2023

🗣 Fun Fact: When you buy a home, you typically skip a month before your first mortgage is due‼️ For example, if you close in December, your first mortgage payment isn’t due until February‼️ If you rent in December, you'll pay December rent plus a security deposit AND you pay again January 1st