Tony Galasso, Moneylink Mortgage, Inc

Just did a VA refinance scenario for a client, and by refinancing, he will save $1,270,729.78 over the term of the new loan versus his current loan. 🤑

Oh, and that is also with him taking some of his monthly savings and putting it towards principal every month, reducing the term of his new loan by 8 years and 3 months.

THIS is the power of refinancing. LET'S GO!!! 💪

NMLS #913240

Today, we celebrate Juneteenth, which honors the day in 1865 when the last enslaved African Americans in Texas learned of their freedom, two years after the Emancipation Proclamation.

This day serves as a reminder of the resilience and strength of the African American community, while providing an opportunity for all Americans to consider how we can make our society more just and equitable.

With that said, we invite you to join us in celebrating and commemorating this important day. And please note our office will be closed today in observance of Juneteenth.

Should you have any questions or needs during this time, feel free to reach out via email or leave a message, and we'll get back to you as soon as we return!

This Father's Day, let's embrace the beautiful, unpredictable dance known as fatherhood, a journey filled with fun routines, endless improvisation, and moments that turn into cherished memories.

No matter how you choose to celebrate, may your Father's Day be nothing short of wonderful! 🎉

Summer is the selling season no matter where you live in the USA, and a smooth home inspection during the selling process can pave the way for a successful, stress free sale. That’s why we compiled a checklist for how to prepare your property to make the best impression! 🤩

Take these steps to ensure a smoother transition to closing and, as always, reach out to our team with questions you have! Also, if you need Realtor recommendations, we work with some of the best agents in the industry! 🤝

When we read stories that make us smile, we like to share them with our friends! 😊

It was feared extinct, but a species of golden mole not seen in over 80 years has been rediscovered! Researchers found the De Winton’s golden mole in the sand dunes of South Africa. This little creature, which lives exclusively in sand, was last spotted in 1937.

The dedicated team used environmental DNA and the help of a trained sniffer dog to identify this rare species. Their perseverance paid off, proving that even the smallest creatures can make a big comeback!

Read the full story using this link: https://thegoodnewshub.com/animals/extinct-golden-mole-is-spotted-for-the-first-time-in-over-80-years/

Ever wondered why advertised mortgage rates differ from the actual rates you receive?

Here's why:

📣 Advertised rates are general reference points, not guarantees. Rate adjustments often occur based on your individual circumstances.
📝 These adjustments are made based on factors such as your loan amount, credit, down payment, and property type.
⚠️ Advertised rates may include discount points, or "extra upfront fees", artificially lowering the rate in order to motivate people to call.

One of the benefits of utilizing a local broker is that we offer personalized rates and multiple loan options for your specific needs.

Have questions about mortgage rates? Drop them in the comments - that’s what I'm here for!

NMLS #913240

‼️HUGE NEWS FOR FIRST TIME BUYERS‼️

We just got a down payment assistance program that is not income restricted, up to $15,000 in down payment help, and you only need a 700 score to qualify! 🤯

THIS is your sign that now is a good time to get off the renting carousel and buy a home of your own! 😎

Scan the QR code below to get all of my contact info for yourself or your friend who you KNOW needs to STOP renting! 🤩

NMLS #913240

On behalf of the entire team here at Moneylink, we want to wish all of the mothers out there a very Happy Mother's Day! ❤️

No matter how you celebrate, or are celebrated, we hope you have a relaxing and meaningful day surrounded by the ones you love.

Remember, whether you just became a Mother and are out-growing your current home, or maybe want to get a little closer to the grandbabies, don't hesitate to DM me or give me a call. I'm always here to help! 😄

Today, we are sharing an essential piece of advice for any business owner or leader. This quote was a helpful reminder for our team, and we hope it is for yours, too! 💯

Whether it's launching a new product, expanding market reach, or simply tackling the day's responsibilities, the importance of initiating action cannot be overstated.

Feel free to share this post as a helpful reminder to your business network, and as always, reach out if we can be of assistance. We are here to help your business thrive! 🤝

During my years in the mortgage industry, I’ve learned that the appeal of buying a home is much more than a monetary investment for our clients. It offers a sense of security and stability that is hard to find elsewhere 🏡

With rent prices increasing more and more over the past few years, owning a home also means having stable payments, avoiding rent hikes, and setting up future generations for success.

This time of the year, with the busy summer season upon us, I am extra grateful for being able to facilitate the gift of homeownership for all of my past and future clients. If you own your home, what do you love most about it? Let me know in the comments ⬇️

Our team has been lucky enough to help many amazing individuals and families secure financing for their dream homes 🏡 Along this journey, we’ve observed some common borrower pitfalls.

We’re dedicated to sharing mortgage knowledge wherever we can, so today, we’re sharing a list of mistakes borrowers tend to make during the mortgage process and tips on how to avoid them.

Swipe through to check them out ↩️ As always, we are happy to answer any additional questions you have, whether you’re tentatively exploring your options or confidently entering the real estate market. Give us a call anytime!

Today, we're tackling a question we often get from prospective homeowners: "What is the loan-to-value (LTV) ratio, and why does it matter?"

LTV is a crucial factor in the mortgage process — and something everyone shopping for a home should understand. With that in mind, swipe for an overview of LTV ↩️

Have additional questions? Give us a call. We’d love to chat! 🏡

We often see aspiring homebuyers mix up home appraisal and inspection during the mortgage process. They’re easy terms to mix up, but it’s important to understand the difference between the two, as home appraisals are key to securing a mortgage.

To clear up any confusion, we're here with a Q&A session. Swipe through for an overview of home appraisals and the role they play in your home-buying journey ↩️

Have questions? Drop them in the comments, and reach out to our team of experts if we can be of further help.

ADAPT AND OVERCOME. 💪

For my friends...you can't change what happened with the . It sucks. For sure. As mortgage originators, the noose was tightened around our neck every year from 2011 to 2017, but you know what? We made it through, and a bunch of the "bad guys" left. It separated the professionals from the part-timers, the real players from the spectators. 😎

The seller can still pay for the buyer's agent's commission if they want to. It may just take a little more work to find out what they will offer because it won't be posted right on the MLS. You are resilient and you will find a way to make the situation the best for your client. ❤️

I, as a Mortgage Originator, will ALWAYS recommend to my clients that they get representation on the buy-side, and explain to them the myriad of things that buyers agents do to "earn" their commission. I hate that we have to prove our worth now-a-days, but you DO earn every dollar, and many times, working with buyers is JUST as difficult, if not more, than working with sellers. 😤

I hope this is a net positive for the industry. I hope that it weeds out the fair weather Realtors, the ones who don't do the work, who don't have their clients best interest in mind, and who don't say that the best part of their job is seeing their clients absolute joy on closing day when they get the keys to their new home.

Cheers to the good Realtors. I hope your competition G**O and you are left with more business, more closings, and more happy clients. 🥳

Refinances still make up 1/3 of all loans being done right now!! 🤯🤯🤯

Why?? Well, just so happens I have a great example in my pipeline currently. This gentlemen, due to the higher cost of things in the past few years, had put many things on credit cards and buy now, pay later financing. Well, it had gotten to a point that he was not comfortable with, and a title friend of his, recommended he speak with a mortgage broker (Hi there) about doing a cash out refinance.

Come to find out, he owned his home free and clear, and not only are we going to be able to pay off ALL of his high interest debt, but we are also getting him money to do some upgrades to his home that he has wanted to do for a while. 💪

Now comes the best part... we are savings this gentlemen $1,213 PER MONTH in payments by doing this refinance. Yes, even with rates where they are. That's $14,556 a year folks!!! 😎🥳🤩

So, if you have someone that is feeling trapped with high interest debt, with no end in sight, PLEASE have them call me for a consultation if they own a home. They could be paying THOUSANDS more per year than they have to. 😱

Just a quick reminder that Daylight Saving Time is almost here! ⏰ Don't forget to set your non-digital clocks forward by an hour and maybe grab a quick nap on Sunday if you can! 😴

While we'll lose an hour of sleep, we'll also be gaining an extra hour of sun in the evenings! Should you want to make use of that extra hour of daylight, remember that our team is here to help you tackle any to-do items within our wheelhouse. Reach out anytime to get the ball rolling 🤝

Did you know that Women’s History Month has been officially observed in the U.S. every March since 1987?

This year, the National Women's History Alliance has given us a powerful theme: "Women Who Advocate for Equity, Diversity, and Inclusion." 🌈👭

As we celebrate Women’s History Month, let's shine a spotlight on the amazing women working towards a future free of bias and discrimination and honor the women, past and present, who have shaped our lives.

Here's to the trailblazers!

Winter is almost over – and your focus should be on the “springing” of a new season, not leaks!

Today, we’re here to help you enjoy all of the beauty of spring by preventing some of the most common seasonal property issues. Swipe through for six prep tips to add to your to-do list 📝

Have a tip to add to the list? Drop it in the comments 💬

I had 3 clients yesterday who were not locked in yet. 😬

Told them all that I recommend we lock in because I was afraid of the BLS jobs report coming out this morning. Everything points to a weaker jobs number, but the January Jobs number the past 2 years has JACKED up the markets due to seasonal adjustments. 🙃🤬

They took my advice, the jobs number came back almost double expectations due to those seasonal adjustments, and rates have gone up half a percent with some lenders because of this. 💀😵

Trust is a beautiful thing...and so are lower rates. 😁🤝💪

With 2024 in full swing, it’s the perfect time to take a quick look back at the mortgage landscape of 2023 and peek at what to expect this year. These are conservative estimates, with some experts thinking rates may even dip into the 5% range by the end of the year! 👀👀

Whether you're buying or selling, the market's shaping up to be promising. Need guidance? We’re here to help you navigate these exciting times! Here's to a successful and prosperous 2024🤝💥

3 pre-approvals written today, including another VA pre-approval where I was beating the competition's rate by almost a full percent...my VA and FHA rates are on FIRE right now!!! 🔥🔥🔥🔥

Apply - Moneylink Morgage

On this Martin Luther King Jr. Day, we pause to reflect on the enduring wisdom of Dr. King’s words:

"The time is always right to do what is right."

Let's commit ourselves each day to uplift one another and actively contribute to positive change in our communities. If you are looking for ways to give back or would like some general information about MLK Day, you can find resources at AmeriCorps.gov.

In honor of Dr. Martin Luther King Jr., our office will remain closed today as we remember his remarkable legacy of justice, equality, and hope 🌍

It’s no secret that the real estate market has been tough for many Americans over the past few years, which makes us even happier to share some good news with you all 🎉

For 2024, the Federal Housing Finance Agency (FHFA) has increased the baseline conforming loan limit (CLL) for single-unit properties. Swipe through to learn how this could impact your homebuying journey ↩️

Have questions about conforming loan limits? Give our office a call – we would be happy to assist.

We’ve got some good news: Mortgage rates have consistently dropped recently after reaching 23-year highs in September.

And with the Federal Reserve leaving rates unchanged at its last meeting and signaling cuts to come in 2024, mortgage rates could move even lower in the coming weeks.

If you're considering buying a home, now could be the time for you🌟 Let's explore your options together! We're always here to help 🏠

Whether you're going out with loved ones or cozying up for an early night, we’re wishing you a wonderful end to 2023 and a spectacular start to 2024! 🥳

How do you plan to spend the last day of 2023? Party 🎉 or couch 🛋️? Let us know below with an emoji!

Fannie Mae released their Home Price Expectations Survey (HPES) today, and it showed that 100 of the top housing experts in the US believe home prices will rise between 10% and 39.6% over the next 5 years...so even the most pessimistic experts still think home values will rise over the next 5 years. https://www.fanniemae.com/research-and-insights/surveys-indices/home-price-expectations-survey-hpes

If you are still renting, or thinking about upgrading to your next home, the time is now to get into your next home and take advantage of this equity gain. Rates have gone down over a FULL PERCENT since their peak on October 19th of this year, and will continue to fall into next year.

If you are at all curious on what you would be approved for, just head over to our website and fill out our short application form. We don't ask for your social security number, or first born, and will never be like a bank and "pull credit first and ask questions later". We will always have a conversation with you before we do anything like that. We are just people trying to help other people.

I look forward to helping your reach your financial and homeownership goals in 2024!

If you are interested in seeing where you are at, or having a short, no-pressure conversation with one of us, click here: https://moneylinkmortgage.com/apply/

NMLS # 913240

Home Price Expectations Survey (HPES) | Fannie Mae The HPES polls over 100 housing experts across the industry and academia for forecasts of national home price percentage changes in each of the coming five calendar years.

In the winter, there are two types of people—which one are you?

🏂 I can’t wait to get out on the ski slopes!
☕ I just want to curl up by the fire with a good book

Share your vote by dropping either a “🏂” or a “☕” in the comments below!

Before the Thanksgiving madness takes hold (in the best way, of course), we want to take a moment to thank YOU! 🧡 And while we don’t want to “pour it on too thick,” your continued trust and support are like the gravy to our mashed potatoes. This holiday, we just want to say that our growth is all thanks to incredible people like you! ✨

P.S. Our office will be closed on Nov 23rdand part of the 24th, but we're back full strength on Nov 27th!

Wishing you a joyful Thanksgiving from the whole team! 🍁

Do you have a favorite food you like to make for Thanksgiving? Let us know in the comments ⬇️