Marsh Lending

Marsh Lending Specializing in investment and vacation property financing, offering tailored mortgage solutions. NMLS #255181099 | NMLS # 2073037

With exclusive loan products and concierge-level service, we ensure a seamless experience from pre-approval to closing.

09/02/2026

Second home or investment property? 🏡 There’s a bigger difference than you might think.

If you’ve identified a property you want to purchase, how you plan to use it can play a major role in how you finance it.

In this video, Aaron Marsh breaks down some of the key differences between financing a property as a second home versus an investment property, including:

✔️ How each may affect your personal debt-to-income ratio
✔️ Using an LLC and business-purpose financing
✔️ Considerations for Airbnb, VRBO and other rental properties
✔️ Why your plans for the property should help determine your financing strategy

Both options have their place. The key is understanding the difference before you finance.

Thinking about purchasing a second home or investment property? Marsh Lending can help you explore the options available for your plans.

📞 (214) 729-3180
🌐 marshlending.com

How much are you really saving by buying down your mortgage rate?That’s where the break-even point matters.Buying points...
08/31/2026

How much are you really saving by buying down your mortgage rate?

That’s where the break-even point matters.

Buying points means paying more upfront for a lower interest rate and monthly payment. Before making that investment, ask how many months of those monthly savings it will take to recover what you spent.

Then compare that number to how long you realistically expect to keep the mortgage.

It’s not just about getting a lower rate. It’s about making the math work.

Want help running the numbers for your situation? Let’s talk.

08/30/2026

Planning to own the property for the next 10–15 years? Not expecting to refinance anytime soon?

That's when paying upfront to lower your mortgage rate may be worth a closer look.

▶️ Watch the full video to learn more: https://buff.ly/CEfqnZE

Buying mortgage points isn’t automatically a good—or bad—decision. It comes down to your timeline and the math.As Aaron ...
08/28/2026

Buying mortgage points isn’t automatically a good—or bad—decision. It comes down to your timeline and the math.

As Aaron explains, points can make sense when you plan to keep the property and mortgage long enough for the monthly savings to outweigh what you paid upfront.

But if the break-even period is years away and you think you may refinance before you reach it? That changes the equation.

The goal isn’t simply to chase the lowest rate. It’s to structure your financing around your plans for the property.

Not sure whether buying points makes sense for you? Let’s run the numbers.

08/27/2026

Before spending money upfront to lower your mortgage rate, calculate your break-even point.

How much are the points costing you? How much are you saving each month? And most importantly—how long will it take to get that money back?

▶️ Watch the full video: https://buff.ly/CEfqnZE

08/27/2026

Even in a busy lending business, making time to reset matters.

In this clip from Aaron Marsh’s conversation with Andrea Gordon on the REalizations Podcast, Aaron shares how he decompresses on Sundays with golf, time at the beach, family, walks, books and podcasts.

For Aaron, the beach is more than a backdrop. It is a place to slow down, listen to the waves and recharge for the week ahead.

Watch the full episode here 👉 https://buff.ly/8csVFEN

08/26/2026

At Marsh Lending, financing is not about forcing a client into a product. It is about building the right strategy around the client’s goals.

In this clip from Aaron Marsh’s conversation with Andrea Gordon on the REalizations Podcast, Aaron shares how his background in corporate strategy shapes the way his entire team approaches each file — from the first conversation through processing.

The question is always: what is the best value add, and what is the best strategy for the client?

Watch the full episode here 👉 https://buff.ly/8csVFEN

Planning to refinance if rates improve? That possibility should factor into whether you pay mortgage points today.Buying...
08/25/2026

Planning to refinance if rates improve? That possibility should factor into whether you pay mortgage points today.

Buying points means spending more upfront to secure a lower interest rate. The strategy only works in your favor if you keep the loan long enough for the monthly savings to recover that upfront cost.

If you refinance—or sell the property—before reaching your break-even point, you may never recoup what you paid.

Your timeline changes the math.

Before you buy points, let Marsh Lending help you run the numbers.

08/25/2026

Hard money is not always the long-term solution, but in the right situation, it can help investors secure an opportunity before it slips away.

In this clip from Aaron Marsh’s conversation with Andrea Gordon on the REalizations Podcast, Aaron explains how a short-term hard money loan can sometimes help an investor take ownership of a property while another asset sells down or while their financial position improves.

The goal is not to stay in expensive money forever. The strategy is to create a path to ownership now, then move into a stronger long-term financing position later.

Watch the full episode here 👉 https://buff.ly/8csVFEN

A lower mortgage rate sounds like the better deal—but what did you have to pay to get it?Buying mortgage points means pa...
08/24/2026

A lower mortgage rate sounds like the better deal—but what did you have to pay to get it?

Buying mortgage points means paying additional money upfront in exchange for a lower interest rate. That can make sense in the right situation, but the rate alone doesn’t tell you whether you’re actually coming out ahead.

How much are the points costing you? How much are you saving each month? And how long will it take those savings to cover your upfront expense?

Don’t evaluate the rate alone. Evaluate the entire deal.

Marsh Lending can help you run the numbers and determine what makes sense for your situation.

Address

5417 E County Highway 30A, Suite 110
Santa Rosa Beach, FL
32459

Telephone

+12147293180

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