Maryleemortgage.com. NMLS #454647

01/13/2026

Myth: Waiting for rates to drop guarantees a better deal.

Fact: When rates decrease, more buyers are likely to enter the market, increasing competition and potentially driving up home prices and leading to bidding wars. Buyers can "date the rate and marry the house," meaning they can buy when they find the right home and refinance later if rates drop, but they can't go back and renegotiate a lower purchase price.

Is 2026 your year to buy a home? Contact me today to get started!

01/13/2026

5.0 star review received on Experience.com for MaryLee Gilchrist by Matthew S - Mary Lee is incredibly knowledgable, and incredibly willing to share that expertise with her clients. She helped us understand the pros and cons of every decision, and was supportive at all stages of the loan process. We could not have been happier with her work!

Click to see all 125 reviews of MaryLee Gilchrist, Mortgage Loan Officer NMLS # 454647

01/11/2026

Reminder…here’s your January home maintenance checklist🏡❤️‍🩹

01/08/2026

This could be the year you stop dreaming and start unlocking the front door to a place that’s truly yours. Whether it’s more space, a new city, or your very first home—your goals are closer than you think.

Let’s make 2026 the year it happens. 🏡

01/06/2026

As we move into 2026, the housing market is set for some key changes. Here’s a quick breakdown on the variables that could affect the market:

🏠 Home Prices

🔄 Inventory Levels

📊 Mortgage Trends

💰 Down Payment Assistance Programs

Ready to make 2026 your year to buy? Contact me today to get preapproved!

Subject to credit approval. Income restrictions apply. Must be primary residence. Gift funds, grants, or loans are not acceptable. Not Available in all markets. Program guidelines including amount of assistance are subject to change without notice. Other restrictions apply.

12/22/2025

Want to stop junk mail for 5 years? 2 minutes and easy - make sure to do all ADULTS in the household:

is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

12/19/2025

5.0 star review received on Experience.com for MaryLee Gilchrist by Bonita N - Mary Lee was fantastic from the first day I spoke with her. She was very helpful in the process. Austin was great and I understand that many people at Bell Bank were instrumental in my being able to close on time.

Click to see all 123 reviews of MaryLee Gilchrist, Mortgage Loan Officer NMLS # 454647

12/13/2025

Another very happy homeowner and her grandson🏡🎉. We jumped some repair flaming hoops and closing was delayed from 9 am but we still closed at 3:30 pm. A HUGE thank you to the whole fire fighting TEAM with an awesome realtor Cathy Schmidt with Keller Williams❤️🫶

12/08/2025

Awesome Sunday fun day with the granddaughters, but sure missed my grandson 👣👣👣❤️ world

11/18/2025

Did You Hear the News?

Bell covers your upfront mortgage insurance!
Whether you're buying or refinancing, this limited-time offer could help you save more at closing.

Interested in learning more? Contact me today! Loan must close by 6/30/26.

All loans are subject to credit approval. Income and property restrictions may apply. Must be a purchase or refinance of a primary single-family residence. Offer is only available for Single Premium Mortgage Insurance (SPMI) with Loan-to-value (LTV) of 80.01-85.00. Minimum of 740 credit score. Applications taken from 1/1/25 through 3/31/26 may qualify for this single premium MI lender credit. Program guidelines are subject to change without notice. Not all products are available in all markets. Other restrictions apply.