Michelle Larkin Loan Officer

04/02/2026

🏡 FIRST-TIME HOMEBUYERS — LET’S CLEAR UP THE MYTHS! 🏡

Think you need 20% down or perfect credit to buy a home? ❌
That’s one of the biggest myths out there.

👉🏽The truth is, there are more options than most people realize,including:
✔️ Loans with as little as 3%–3.5% down**
✔️ Credit scores as low as 580
✔️ Down payment assistance programs
✔️ VA & USDA loans with $0 down
✔️ Renovation loans that let you buy AND improve your home

Don’t count yourself out before you explore your options. Homeownership may be closer than you think!

📲 Message me today or call 240-381-5883 to talk through what you qualify for.
Let’s turn “one day” into moving day 🏠✨



Michelle Larkin
Sales Branch Manager
Geneva Financial
240-381-5883

01/20/2026

🏡 FIRST-TIME HOMEBUYERS — LET’S CLEAR UP THE MYTHS! 🏡

Think you need 20% down or perfect credit to buy a home? ❌
That’s one of the biggest myths out there.

👉🏽The truth is, there are more options than most people realize,including:
✔️ Loans with as little as 3%–3.5% down**
✔️ Credit scores as low as 580
✔️ Down payment assistance programs
✔️ VA & USDA loans with $0 down
✔️ Renovation loans that let you buy AND improve your home

Don’t count yourself out before you explore your options. Homeownership may be closer than you think!

📲 Message me today or call 240-381-5883 to talk through what you qualify for.
Let’s turn “one day” into moving day 🏠✨



Michelle Larkin Loan Officer

01/13/2026

Have you RSVP’d yet? 👀
If not, do it NOW—you don’t want to miss this!
📅 This Saturday, 1/17 at 11 a.m.
🏡 Our FIRST Homebuyers Workshop of 2026 🎉
RSVP in the comments or text “Workshop 2026” to one of the numbers on the flyer.
Who’s got next? Our team will guide you from START to CLOSING 🙌🏾

01/05/2026

🏡🎉 We are excited to bring our first-time homebuyers workshop to Annapolis on January 17, 2026!!
There will be a wealth of information to transform generations and communities. Don't Miss It! RSVP in the comment section or Text: "Workshop 2026" to one of the numbers listed on the flyer!!! We look forward to seeing you and helping you reach your goals in 2026!!!

11/17/2025

Thinking About Buying a Home in 2026? Let’s Get You Ready NOW! 🏡✨

I’m now scheduling Homeownership Game Plan Sessions for anyone looking to purchase a home in 2026. During this one-on-one session, we’ll create a personalized roadmap to position you for success—no matter where you’re starting from.

✨ **Credit not where you want it?**
✨ **Don’t have a lot saved yet?**
✨ **Unsure of the steps to take?**

It doesn’t matter. What matters is getting started.

Let’s work together to put you in the best posture possible to become a homeowner. Your journey can begin today—reach out to schedule your appointment and get on the path to owning your own home!

Use my calendar below to schedule an appointment or give me a call or text directly ☎️ 240-381-5883

Michelle Larkin Loan Officer

11/09/2025

Lots of buzz around the 50-year mortgage — here are my thoughts:

While a 50-year mortgage might sound like an extremely long-term commitment (and yes, it does mean paying more interest over time), it could actually bring back something we haven’t seen in a long time: *affordability.*

A longer term can make monthly payments more manageable, helping more people become homeowners. And remember — with any mortgage, you can always use an amortization table to see how extra payments impact your loan. Even small additional payments toward principal can significantly reduce both the term and total interest paid.

A 50-year mortgage also offers flexibility. Early on, the lower payment can provide breathing room. Then as your income grows over the years, you can apply more toward your principal to shorten the loan and save money in the long run.

In short — it’s not about the number of years; it’s about how strategically you use the time and your payments to reach your goals.

Michelle Larkin
Sales Branch Manager
Geneva Financial
Michelle Larkin Loan Officer

10/29/2025

10/29/2025

Turning Homeownership Dreams Into Reality — One Key (or Refi) at a Time!** 🏡✨

Hey there! I’m Michelle Larkin, your trusted Loan Officer, and I’m here to help you make smart moves when it comes to your home and finances. Whether you’re buying your first home, upgrading, investing, or even refinancing to lower your rate or tap into your home’s equity — I’ve got you covered!

💡 From pre-approval to closing day (and beyond), I’ll help you understand your options, maximize your budget, and make confident financial decisions every step of the way.

Because homeownership isn’t just about having a place to live — it’s about building wealth, security, and a legacy for your family. ❤️

Ready to buy, refinance, or simply explore your options? Let’s talk! Your goals are within reach — and I’m here to help you get there.

📲 Call, text, or DM me today — your next smart move starts now!

☎️ 240-381-5883

Licensed in Maryland, DC and Virginia

07/17/2025

Let’s talk strategy 🧠

In a hot market, waiting to sell your current home could mean missing out on your dream one.
Transition Loans may give you more control- buy first, sell later, and move on your timeline.

💬 Curious how it works? Let’s chat.

☎️ 240-381-5883
Michelle Larkin

07/14/2025

🏡 Back on the Market – Buyer Got Cold Feet!

This stunning **4-bedroom, 3-bath home in Lusby, Maryland offers water privileges and is gently priced under $500,000!!!

Enjoy spacious living with modern finishes, a beautifully maintained interior, and access to the Chesapeake lifestyle. Whether you're looking for a full-time residence or a weekend retreat, this gem won't last long the second time around.

📍 **Lusby, MD**
🛏 **4 Bedrooms**
🛁 **3 Full Bathrooms**
🌊 **Water Privileged Community**
💲 **Under \$500K**

Don't miss your second chance to make this home yours!

📞 Contact me today for a private tour.

☎️ 240-381-5883

Virtual Tour of 1131 Redeye Rd, Lusby MD 20657, USA.

06/30/2025

**Homeownership Starts Here – Let’s Make It Happen!**

As a Loan Officer & Branch Manager at Geneva Financial, I’m here to open doors—literally! With a wide range of loan programs and down payment assistance options, I can help make buying a home more affordable and achievable for you.

Whether you're a first-time buyer, looking to upgrade, invest, or refinance, I have the resources and expertise to find the right solution for your needs. My goal is to make the process smooth, stress-free, and successful so you can focus on what truly matters—building your future.

Let’s get started today! Reach out and let’s discuss the best financing options for you.

📞 Michelle Larkin Loan Officer 240-381-5883
📍 Serving Maryland and DC
NMLS 460681