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Megan Byrne Munley, Guild Mortgage NMLS 1352319

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United States
Wayne, PA
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 subject 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

11/02/2026

Your pre-approval is the most a lender will lend you. It is not the number you should spend.

Approval math looks at income and debt. It doesn't see daycare, the trip you take every summer, or the savings you want to keep growing.

On the Main Line, taxes and older homes add even more to the real monthly cost.

🏡 Property taxes that change by township and school district
🏡 Homeowners insurance on top of principal and interest
🏡 Upkeep on older roofs, boilers and plumbing
🏡 The savings and life you still want to fund

Let's start with the payment you're comfortable with and work backward to the price. DM me "BUDGET."

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/30/2026

Have you ever checked your credit score on a free app, only to find out it was different when you applied for a mortgage? You aren't alone!

As your local lender, I want to pull back the curtain on why this happens. Free consumer apps and mortgage lenders use completely different scoring models.

Here is what you need to know about your mortgage credit score:

• we use stricter fico models, while free apps often use a consumer vantagescore
• the mortgage model grades you harder because a home loan is a 30-year risk
• we pull from all three bureaus and use your "middle" score to qualify you

Don't let a free app guess your buying power on the Main Line. Let's pull your official numbers and build a strategic plan.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/29/2026

Getting approved for a large mortgage does not mean you should spend that exact amount. As your protective guide, I want you to love your new home, not stress over the monthly payment.

Avoiding an overextended budget is all about looking at the big picture before you start making offers in the Philly suburbs.

When we sit down to build your budget, I always recommend:

• working backward from your most comfortable monthly payment, rather than your maximum approval limit
• factoring in your lifestyle expenses like travel, dining out, and childcare
• protecting your emergency fund instead of draining it all for a down payment

I don't just tell you the maximum you can borrow—I help you find the number where you will be most financially secure. Let’s build your realistic budget today.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/27/2026

Buying a house in the Philly suburbs is a major investment, and it is tempting to cut corners to save some cash upfront. But as your protective guide, I always advise my buyers that some expenses are absolutely worth the money.

Here are 5 mortgage and homebuying costs that are 100% worth every dollar:

• a thorough home inspection (never waive this just to win a bidding war)
• strategic discount points (paying a little upfront to permanently lower your interest rate)
• a quality homeowners insurance policy (not just the absolute cheapest minimum coverage)
• paying a little extra toward your principal each month (to shave years off your loan)
• a local lender who actually answers the phone when you want to make an offer on a saturday

You deserve a mortgage strategy that protects your money long-term. Let's sit down and run the real numbers.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/26/2026

Buying a home as a business owner or freelancer? The process is entirely possible, but the way we calculate your income is different than a standard W-2 employee.

As a local lender, I specialize in analyzing complex income to find your true buying power on the Main Line.

If you are self-employed, here is what you need to know:

• lenders typically look at your net income after tax write-offs, not your gross
• we usually require two years of tax returns to establish an income average
• you must keep your business and personal bank accounts strictly separated

Self-employed income requires an expert eye. Don't guess your budget—let's run the actual math.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/23/2026

The biggest mistake first-time buyers make? Waiting until they find their dream home to talk to a mortgage lender.

If you are planning to buy on the Main Line this year, the best time to contact a lender is 3 to 6 months before you want to move. Why so early?

Connecting early gives us time to:
• fix hidden credit report errors that could hurt your interest rate
• budget accurately for specific pennsylvania transfer taxes
• determine your true purchasing power before you fall in love with a house

Do not wait until the last minute. Let's get your finances organized now so you are ready to strike when the right house hits the market.

Contact me today to get started:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/22/2026

Getting pre-approved is only the first step. Once your loan is in process, it is my job to protect your transaction all the way to the closing table.

Before the lender gives the final "clear to close," they will pull your credit one last time. To keep your home purchase completely safe, keep your finances boring!

While under contract, make sure you never:

• open new credit cards to buy furniture for the new house
• make large, unexplained cash deposits into your bank accounts
• change jobs, quit your job, or alter your pay structure

Navigating a mortgage requires a local expert who has your back at every step. Let’s get your homebuying journey started the right way.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/20/2026

As a local lender, I get asked all the time: "Where should we actually look for a house?"

Buying in the Philly suburbs is about so much more than just the purchase price. You have to factor in township taxes, walkability, and long-term value. If I were house-hunting right now and looking for the best mix of all three, here is exactly where I would look:

• Ardmore: the perfect mix of suburban charm and city convenience.
• Havertown: an amazing community feel with a great local footprint.
• Conshohocken: excellent walkability and generally lower property taxes.
• Media: everyone's favorite hometown feel with a great dining scene.

Every town on the Main Line has a different tax rate, which completely changes your monthly payment. As your local protective guide, I help you run the math on specific neighborhoods before you fall in love with a house there.

Curious which local town fits your exact budget? Let’s run your custom numbers.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/19/2026

When you get a mortgage, your monthly payment isn't just paying back the money you borrowed. If you want to build a realistic budget for a home on the Main Line, you need to understand the four parts of your payment.

We call this PITI:

• principal: the portion of your payment that actually pays down your loan balance
• interest: the cost of borrowing the money from the lender
• taxes: your local township property taxes, divided into monthly installments
• insurance: your homeowners insurance premium, built right into the payment

As a protective guide for my clients, I make sure you understand exactly where every dollar of your monthly payment is going before you ever sign a contract.

Ready to get a clear picture of your buying power? Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Stratford Ave, Suite 1, Wayne, PA 19087

10/17/2026

Interest rates are always a moving target, but you don't have to wait on the sidelines. Let's look at the math behind a temporary rate buydown.

This strategy allows you to reduce your monthly payment for the first one to three years of your loan, giving you breathing room as you settle into your new home.

Here is how a buydown protects your budget:

• it lowers your initial interest rate for the first few years
• the seller or builder can often pay for the cost of the buydown
• it gives you time to increase your income or prepare to refinance later

Want to see if this strategy works for your home search? Let's run the exact numbers.

Contact me today:
Phone: (215) 809-3773
Email: [email protected]
Address: 175 Strafford Ave, Suite 1, Wayne, PA 19087

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

Website

https://linktr.ee/meganmunleyteam

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