Adam Walmsley - Mortgage Loan Officer

Adam Walmsley - Mortgage Loan Officer ☁️Helping you buy your home with ease + clarity

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https://mymortgage.themoneystore.com/dr/c/1c3hv

NMLS #2286628

09/16/2026

Please disclose everything upfront!😊😂

📲(405) 881-2500

09/15/2026

How to use your home to payoff debt OR as an investment (Using a Cash-Out Refinance)

Most people think the only way to get money out of their home or to payoff large debt is to sell it.

Wrong.

There is a much smarter way to do it.

Cash-out refinancing.

WHAT A CASH-OUT REFINANCE ACTUALLY IS

If your home is worth $500,000, and you still owe $250,000, you have $250,000 in equity sitting there doing nothing.

A cash-out refinance lets you replace your old mortgage with a new one, and take part of that equity out as cash.

You can usually borrow up to 80% of the property value.
So on a $500,000 house:
- 80% of value = $400,000
- You pay off the old loan = $250,000
- Then you can do 1 of 3 things:
1. Payoff large interest debt (credit cards, personal loans, etc)
2. Use HOWEVER much equity up to $150,000 to use for home improvements or other things (you do not have to use all of your equity, you can choose to use a portion for anything specific)
3. Walk away with $150,000 in cash to use for whatever you want (down payment on an investment property)

HERE IS THE PART NO ONE TALKS ABOUT:

That $150,000 is tax-free.

Because it’s debt, not income.

The IRS doesn’t tax borrowed money.

This is one of the biggest advantages in the entire tax code and almost nobody uses it!

📲(405) 881-2500
NMLS #2286628

I always love receiving a nice 5🌟review from a wonderful client! It's always a joy to help first time home buyers naviga...
09/10/2026

I always love receiving a nice 5🌟review from a wonderful client! It's always a joy to help first time home buyers navigate a complex purchase nice and smooth!

📲(405) 881-2500

🚨REALTOR FRIENDS, HUGE NEWS🚨Manufactured Homes that HAVE BEEN MOVED from another site may now qualify for a conventional...
09/04/2026

🚨REALTOR FRIENDS, HUGE NEWS🚨

Manufactured Homes that HAVE BEEN MOVED from another site may now qualify for a conventional loan!

This could open the door for a lot of Oklahoma manufactured home buyers and sellers who previously had very limited Conventional financing options on these types of homes, especially here in Oklahoma.

Have a listing or buyer with a relocated manufactured home? Before you rule it out, let's talk!

📲(405) 881-2500

Always love starting the month getting that clear to close message 8 days before closing! Shoutout to our awesome loan p...
09/04/2026

Always love starting the month getting that clear to close message 8 days before closing! Shoutout to our awesome loan processor Krystal! I always love helping buyers get to the closing table stress free!

📲(405) 881-2500

09/02/2026

🚨Big VA loan Change🚨

Massive Change to the VA guidelines - VA 26 7 Ch 4 Collection Calculations

5%/12 of the balance for a monthly payment calculation for collections that are NON Medical as Opposed to 5% of the balance

✅THIS IS A HUGE WIN and is in the VA 26 7 RIGHT NOW

This means a collection account that is $10,000 before the change had a payment calculation of $500 a month. It is now calculated as $41.66 a month! Huge implications for debt to income ratios for VA loans to allow veterans to qualify for more!

📝If you are a Veteran and have been told no because of collections, might be time to revisit your approval.

📲(405) 881-2500
NMLS #2286628

09/01/2026

WHAT YOU SHOULD (or shouldn't) DO 60 DAYS BEFORE APPLYING FOR A PRE-APPROVAL

I've seen these things pop up WAY too many times recently, and thought I'd put a list of small easy things you can do that can make life much easier when going through the pre-approval process (and save you money lol)

1. Try to not use Affirm, Afterpay, Klarna, etc. until AFTER closing or within 60 days of buying a house. These services are a a nightmare to document, and we may have to include the payment in your debt to income ratio, so it's often easier to just avoid using them entirely before applying.

2. Aim to have your credit cards PAID OFF or ideally under 20-25% utilization 30-45 days before your credit is pulled. I have seen credit scores be 30-60 points lower than they would be paid off (or under 25% usage) simply because there is one credit card (or a couple) that has 90% utilization that are usually paid off monthly.

The higher credit score could potentially allow you to qualify for more house, a lower interest rate, and save you thousands of dollars $$$

3. Try to not open any new credit accounts 60 days before applying (credit cards, car loans, personal loans, etc.). These can potentially lower your score up to 20 points just from opening them. IF YOU DO OPEN THEM BEFORE, make sure you disclose that to your loan officer, as there is a good chance it hasn't yet reflected on your credit report.

Hope this adds some value!

📢📢USDA just increased their income limits!$122,800 for families of 1-4$162,100 for families of 5+USDA loans have a 0% ZE...
08/13/2026

📢📢USDA just increased their income limits!

$122,800 for families of 1-4
$162,100 for families of 5+

USDA loans have a 0% ZERO down payment and allows the seller to pay up to 6% of the purchase price of the home in closing costs. You may not even have to go that far out of the metro area to be able to utilize this loan either👀

The photos below, the white area is eligible for USDA and the orange is ineligible for USDA!

Here is the website link to check if the property is eligible! ⬇️
https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

If you have any questions about the program feel free to shoot me a message!

Another happy buyer bringing $254 to the closing table!While she wasn't a first time home buyer, she was still able to u...
08/07/2026

Another happy buyer bringing $254 to the closing table!

While she wasn't a first time home buyer, she was still able to utilize down payment assistance and get into a home for a couple hundred dollars!

With the right lender, agent, and deal structure this is possible for anyone who may not have a ton of cash saved up.

You most definitely do not need $10,000+ saved to start thinking about buying a house!

📲(405) 881-2500
NMLS #2286628

07/30/2026

It’s always encouraging to get a phone call from a client I spoke with over a year ago, who wasn’t ready at the time to buy, but I gave them a plan to get them into a home.

Fast forward to this month, they followed the plan, boosted their credit, saved a little bit of money back, got a pre-approval and is now under contract to close on this home next month!

It’s amazing to see how much can change in such a short period of time!

Need a plan?⬇️
📲(405) 881-2500
Https://mymortgage.themoneystore.com/dr/c/1c3hv

Address

4101 SE 85th Street, Suite P
Moore, OK
73135

Telephone

+14058812500

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