Will The Mortgage Guy-NMLS 1841138

Will The Mortgage Guy-NMLS 1841138 Senior Loan Officer at Mortgage Direct-Let’s talk Mortgages!

Qualification answers one question. Strategy answers several more: What is the full monthly housing cost?How much cash r...
08/24/2026

Qualification answers one question. Strategy answers several more:



What is the full monthly housing cost?
How much cash remains after closing?
What repairs or moving costs are likely?
Which life goals still need room in the budget?
Would the payment still feel manageable during a stressful month?


Comment “PLAN” if you want to build the payment and cash plan before the offer.



— If we haven’t met yet, I’m Will, your go-to mortgage broker in Knoxville, TN




The lowest rate can still be the more expensive choice if the fees, points, timeline, or loan structure work against you...
08/13/2026

The lowest rate can still be the more expensive choice if the fees, points, timeline, or loan structure work against you.

The number worth comparing is not just the rate. It is what it costs to get that rate and how the full loan fits your plan.

Comment “COMPARE” if you want help looking at the full cost, not just the headline number.



— If we haven’t met yet, I’m Will, your go-to mortgage broker in Knoxville, TN



• mortgage rate comparison • total mortgage cost





07/24/2026

Here is a simple payment example using Freddie Mac’s 6.52% average 30-year fixed rate.

$400,000 purchase price

With 20% down:
Down payment: $80,000
Loan amount: $320,000
Estimated principal and interest: about $2,027/month

With 5% down:
Down payment: $20,000
Loan amount: $380,000
Estimated principal and interest: about $2,407/month

But this is not the full payment.

You still need to add property taxes, homeowners insurance, possible mortgage insurance, HOA dues if applicable, and any local costs tied to the property.

That is why a real pre-approval should include a payment conversation, not just a price range.

Message me “GUIDE” and I can help you estimate the full monthly number for your situation.

— If we haven’t met yet, I’m Will], your go-to mortgage broker in Knoxville,TN



mortgage payment calculator • first time buyer mortgage

This is one of the sneakiest parts of homeownership.A buyer gets a fixed-rate mortgage and assumes the monthly payment w...
07/22/2026

This is one of the sneakiest parts of homeownership.

A buyer gets a fixed-rate mortgage and assumes the monthly payment will never change.

But if the loan includes escrow, taxes and insurance can still move the total payment.

That is why some homeowners get surprised a year or two later when the mortgage payment jumps and the interest rate had nothing to do with it.

The move is understanding escrow before closing, not after the shortage notice shows up.

Save this for later

Send this to someone who needs to see this



— If we haven’t met yet, I’m Will Sargent, your go-to mortgage broker in Knoxville,TN





07/17/2026

How many lenders should you talk to?

For most buyers, 2 to 3 real conversations is a good starting point.

But do not only ask, “What is your rate?”

Ask:

1 – What are the lender fees?
2 – What is the APR?
3 – What loan options fit my situation?
4 – What is my estimated cash to close?
5 – What could create a problem before closing?
6 – How fast do you communicate once I am under contract?

The best choice is not always the person with the quickest quote. It is the one who helps you understand the loan before you sign for it.

Message me “COMPARE” if you want a second look at your options.

— If we haven’t met yet, I’m Will, your go-to mortgage broker in Knoxville, TN


mortgage lender comparison





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07/16/2026

What Realtors need from MLOs is not another flyer, lunch, or vague promise to “take great care of your clients.”

They need a partner who does the work before the offer:

1 – Reviews the buyer’s actual payment comfort, not just max approval.
2 – Checks income, credit, debts, and funds before calling the file strong.
3 – Explains risks early so the agent is not blindsided later.
4 – Communicates clearly when terms, credits, or timelines matter.
5 – Helps the buyer understand the financing side without adding panic.

That is how you protect the client, the contract, and the agent’s trust.

Message me “PARTNER” if you want a mortgage partner who treats pre-approval like strategy, not paperwork.

Send this to an agent who wants fewer surprises between contract and closing.



— If we haven’t met yet, I’m Will, your go-to mortgage broker in Knoxville, TN





It is easy to feel stuck when rates are the loudest part of the conversation.But rates are not the only part of buying a...
07/15/2026

It is easy to feel stuck when rates are the loudest part of the conversation.

But rates are not the only part of buying a home.

There is also the payment you can actually handle, the neighborhood you want to live in, the amount of space you need, and the reason you started thinking about buying in the first place.

Sometimes the next step is not waiting for the perfect market.

Sometimes it is getting clear on your numbers so you can decide with less fear and more confidence.

Comment “PLAN” if you want help understanding what a comfortable payment could look like.

09/04/2024

I just priced .5% better on an FHA loan than my local competitors without even trying. If you are looking to compare, we have been crushing it lately because we structure our pricing to be competitive!

We would love to give a second opinion to some of your clients that are going under contract and want to see options from Mortgage Direct. Every situation is unique but we have been noticeably lower in interest rate pricing compared to other mortgage companies lately.

Send me a dm for us to give your client a quote! We love helping people finance their homes!

Will The Mortgage Guy-NMLS 1841138
Mortgage Direct INC
Cell: 910-880-2468
Email: [email protected]

08/06/2024

Why going shopping to buy a home right now is advantageous?

1) It is a buyers market. You have leverage because demand is not as high as it was and sellers are more desperate to sell.

2) You have a higher chance for closing costs to be covered if you negotiate and that is instant savings out of your pocket. Average is 7-10k.

3) When rates do come down to create more demand in the market, you will be sitting in your home, sipping a cup of coffee, chilling, while everyone else is scrambling to purchase a home. All you get to do is call your favorite loan officer *wink wink* and say I want to lower my mortgage payment, rates are lower then when I bought. Hook me up Will The Mortgage Guy-NMLS 1841138. Whatcha got?!?

4) Do you like equity? This kind of market is where you end up with some for no reason but opportunity. The deals are in the quiet, not the chaos.

5) Things like a 2/1 buydown don't get financed in a sellers market. a 2/1 buydown temporarily lowers your rate and you sell or refinance before two years? You can apply the remaining funds the seller paid for the buydown to your principal amount..You win.

07/08/2024

Had my 1st Aug 17th incident this weekend. Not a fan so far. 4.5% seller concessions to pay all of the commission. Basically financed the commission by accepting the offer price. It feels wierd seeing it out in the open on paper. Realtors buckle up. It is going to be interesting. If you are a list agent primarily, you will have more leverage then ever before. It is kind of scary my POV because of the way everything is laid out now. Awareness is reality. And to be frank, most buyers were under the notion "they werent" paying their buyers agent.

I know most agents are required to lock in someone on a buyers rep agreement to show them property. If you work primarily off leads from Zillow, Realtor.com and the likes, it will be a place of contention for agents that would show prior to getting a buyers rep agreement.

I think it does save you time as a buyers agent because the client will commit prior to working with them. But there will be plenty of other avenues popping up to be compliant and get them through the buying process that are surface level and shiny object syndrome especially from the online lead companies.

Would love to have conversations more on what you are seeing in the field vs from my perspective to understand more what we are going into!

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Knoxville, TN
37919

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