Megan Byrne Munley, Guild Mortgage NMLS 1352319

Megan Byrne Munley, Guild Mortgage NMLS 1352319 Our goal is to assist you make the right choice for you and your family, and we are committed to providing you customer service that exceeds your expectation.

While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window. DE-MLO-1352319, FL-LO102426, NJ, PA-51144 | Movement Mortgage LLC. All rights reserved. NMLS ID #39179 (www.nmlsconsumeraccess.org). Interest rates and products are su

bject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. For more licensing information please visit movement.com/legal. Senior Loan Officer NMLS 1352319

09/08/2026

Everyone remembers the 3% mortgage rates, but historically, they were the exception, not the norm.

Today’s rates may feel high compared to 2020, but waiting for 3% to return could mean putting your homeownership plans on hold indefinitely.

The better question is not, “When will rates drop?” It is, “What can I comfortably afford right now?”

Your buying power, monthly payment, and loan options are personal. Let’s run the numbers and create a plan that makes sense for you. 🏡

*The latest Freddie Mac weekly average for a 30-year fixed mortgage is 6.71% as of September 3, 2026. Your individual rate may vary.*

09/03/2026

Can we stop treating the interest rate like it’s the only number that matters? 👀

Yes, the rate is important—but the better question is: Does the monthly payment comfortably fit your life?

Your mortgage should leave room for groceries, vacations, savings, unexpected expenses and actually enjoying your home. That’s why I help my Pennsylvania buyers look at the full picture—not just the headline rate.

The right loan isn’t always the one with the lowest rate. It’s the one that makes sense for your budget, your goals and your future.

Curious what a comfortable monthly payment could look like for you? Send me a message, and let’s run the numbers—no pressure, just clarity. 🏡

The mortgage lender you align with affects more than just the rate - it affects the entire experience.Buyers need clarit...
08/31/2026

The mortgage lender you align with affects more than just the rate - it affects the entire experience.

Buyers need clarity, strategy, and confidence in their numbers.

Realtors need reliability, updates, and someone who can help structure a deal that makes sense. I focus on thorough pre-approvals, thoughtful loan strategy, and consistent communication so both the client and the agent feel supported.

When the lending side is strong, everything else flows more smoothly.

Mortgage or real estate questions? My DM's are always open!

08/28/2026

POV: You stopped waiting for the perfect market — and just bought the house. 🏡

As your mortgage lender, here's what I watched happen:

You spent 8 months convincing yourself the timing wasn't right.

Then one Tuesday you called me and said "okay, I'm done waiting. Let's just do this."

We pulled your credit. Looked at your income. Ran your numbers.

And you know what we found?

You were ready 8 months ago.

We got you pre-approved in 48 hours. You found your house in 3 weeks. We closed in 32 days.

And on settlement day you sat at that table in Wayne — or Ardmore, or Bryn Mawr, or wherever your house ended up being — and you signed your name on something that was finally, actually yours.

No more waiting for rates to be perfect.
No more watching Zillow like it's a stock ticker.
No more "maybe next spring."

Just keys. And a mortgage payment that's honestly not that different from what you were paying in rent.

The perfect market was never coming. But your house was out there the whole time. 🏡

The only thing that changed was you decided to go get it.

Ready to stop waiting and start moving? DM me — let's find out how close you actually are. I have a feeling it's closer than you think. 📩

There was a time when a monthly mortgage payment looked very different than it does today.While today's market comes wit...
08/27/2026

There was a time when a monthly mortgage payment looked very different than it does today.

While today's market comes with different challenges, every market has opportunities—you just need the right strategy. Whether you're buying your first home, moving up, or exploring your options, understanding your financing can make all the difference.

Have questions about what today's payments could look like for you? Send me a message—I'm happy to help you run the numbers.

08/25/2026

Preparing for the day Netflix drops a documentary about the Venmo transfer from your cousin that almost blew up your closing in Wayne, PA.

Working title: "$847 From Mike: A Main Line Mortgage Horror Story"

Episode 1: "It Was Just Gas Money. Underwriting Did Not See It That Way."

Episode 2: "The Letter of Explanation That Took Three Days to Write for a $200 Venmo"

Episode 3: "We Were Five Days From Closing and Mike Sent the Money as 'Thanks for Everything 😉'"

Episode 4: "The Processor Called at 7pm on a Friday. It Was About the Zelle."

Episode 5: "She Said It Was a Gift. Underwriting Said Prove It."

Episode 6: "No, Your Cousin Cannot Just Send It Back and Pretend It Never Happened"

Episode 7: "Cash Deposits, Venmo, and CashApp: A Three-Part Series Nobody Asked For"

🏆 Season Finale: Letter of Explanation accepted. Closing table. Wayne, PA. Mike was not invited. 🏡

Here's the thing nobody tells you before you apply for a mortgage:

Every. Single. deposit. in your bank account over the past 60 days gets reviewed. Random Venmos. Birthday money. Gas reimbursements. That $500 your mom sent "just because."

None of it is automatically disqualifying. All of it needs to be explained. And the earlier you know this — the less dramatic your closing story becomes.

Talk to your lender before anything hits your account. That's the whole tip. 🏡

Buying in the next 3–6 months? DM me before you move any money around.

"Should I pay off debt or save for the down payment?" The most-asked question I get — and why the answer is different fo...
08/24/2026

"Should I pay off debt or save for the down payment?" The most-asked question I get — and why the answer is different for almost every file. 💭

Everyone wants the rule of thumb. Here's the honest truth: there isn't one. And anyone handing you a universal answer isn't looking closely enough.
What I CAN tell you is how the two levers work:
Paying down debt affects your debt-to-income ratio — one of the key numbers in what you may qualify to borrow.

Saving affects your down payment options, your reserves, and which loan programs might fit.

The catch? They pull against each other, and they interact differently depending on your balances, your timeline, your income, and your goals. Two people with identical paychecks can land on completely opposite strategies — and both be right.
That's why the real answer isn't a rule. It's a review. Your numbers, on paper, with the trade-offs laid out side by side — so YOU can make the call with clear eyes. (And for the bigger financial picture, your tax pro or financial advisor is a great part of the team too.)

Sitting on this exact question right now? DM me "LEVERS" and let's look at your file — no rules of thumb, just your actual math. 📲

"So… what do you make as a mortgage lender?" 😏I make people proud of the decision to stop renting.I make first-time buye...
08/21/2026

"So… what do you make as a mortgage lender?" 😏

I make people proud of the decision to stop renting.

I make first-time buyers feel like they belong at the closing table.

I make the process feel less scary and more like a plan.

I make clients calm when the appraisal comes in and everything feels like it's falling apart.

I make realtors breathe easier knowing their deal is in good hands.

I make people feel heard — not processed.

I make a safe place for homebuyers to ask the questions they're embarrassed to Google.

I make title companies happy they're on the other side of the transaction.

I make families in Wayne, Ardmore, Bryn Mawr, Conshohocken, and all over the Main Line feel like homeownership was always meant for them.

And sometimes — on a really good day — I make people cry at settlement. The happy kind. 🏡

So yeah. I make a lot. 😄

Ready to work with a lender who actually shows up for you? DM me — let's get started. 📩

The bank statement detail that slows down more files than low credit does. 👇And I promise you — most people have no idea...
08/20/2026

The bank statement detail that slows down more files than low credit does. 👇

And I promise you — most people have no idea this is coming until it's already a problem.

It's not your score. It's not your DTI. It's a large unexplained deposit sitting in your account that underwriting wants documented before they'll move forward.

Swipe through — because if you're buying in the next few months, this one is worth knowing before you accidentally make your own closing harder. 🏡

Buying soon and want to make sure your file is clean before you even start? DM me — let's do a quick pre-application review so nothing surprises you mid-process. 📩

A bank in West Chester told you no in 15 minutes. It takes me longer than that to read a file. 👀A 15-minute no from a ba...
08/18/2026

A bank in West Chester told you no in 15 minutes. It takes me longer than that to read a file. 👀

A 15-minute no from a bank doesn't mean you can't buy a home. It means you don't fit that one bank's one box. That's it. That's the whole story.

Different lenders have different guidelines. Different programs have different requirements. And your situation — your income structure, your credit history, your savings, your timeline — deserves more than a glance and a form letter.

I've seen people get approved after being told no somewhere else more times than I can count. Not because we bent rules. Because we found the right program for their actual situation instead of trying to force them into the wrong one.

A no is just a no from that lender. It is not a no from homeownership. 🏡

Got a no recently — or worried you might? DM me before you give up. Let me actually read your file first. 📩

Address

175 W. Strafford Terrace, Suite 1
Wayne, PA
19087

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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