Adam Walmsley - Mortgage Loan Officer

Name: Adam Walmsley - Mortgage Loan Officer
Address: 1700 N Broadway Avenue, Suite 118, Moore, OK, 73160, US
Telephone: +14058812500

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United States
Moore, OK
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

06/11/2026

One of the oldest tricks in the mortgage industry.

A loan officer shows you a fee sheet that looks way cheaper than everyone else's.

You think you found a deal.
You didn't.
Here's what's actually happening…

Your loan estimate is broken into boxes. And most loan officers will lowball the fees in certain boxes just to win your business.

Then right before closing… surprise. Thousands of dollars magically appear.

Here's what you need to know:
Box A is the ONLY box that matters when comparing lenders.
That's where discount points, origination charges, and processing fees live. Those are the fees the lender actually controls.
Everything else?

Boxes B, C, E, F, G, and H will be virtually the same no matter which lender you use.

Those are third party fees, title fees, government fees, prepaids, escrows, and title insurance. No lender controls those. They don't change.

So when a lender looks cheaper… go straight to Box A.

That's where the real comparison lives.

I always overestimate my fees and come in lower at closing.

No surprises.. Ever.

If you're shopping for a mortgage right now, save this post. It could save you thousands in confusion.

📲(405) 881-2500

06/08/2026

Mortgage tip of the day💡

How to get around a "subject to repairs" appraisal when the seller has no cash on hand for repairs:

Use the buyers funds or sellers proceeds to fund an escrow account creating an "escrow holdback" that holds the funds for the needed repairs that will be completed after closing.

This creates an escrow account held at the title company for needed repairs so the appraisal can meet loan guidelines. (must be approved by UW in order to do this)

COMMON EXAMPLES (requires 2 contractor bids):
- Peeling paint
- Missing/Damaged flooring
- Cracked windows
- Rotting wood

Not everyone knows this is a thing!

📲(405) 881-2500

05/20/2026

Mortgage Tip of the Day💡

DO NOT do these 2 things if you want to buy a house this year:

1. Don't leave your job early or not work your usual full time hours. (This can be tricky with underwriters and income calculation)

2. Don't use “buy now, pay later” apps at least 60 days before your pre-approval such as Afterpay, Klarna, Affirm etc. (these count as loans and can directly affect your approval amount)

Both of these can create extra conditions and lower your approval amount during the home buying process!

📲(405) 881-2500

05/15/2026

Great news for Cleveland County First Time Buyers - The Cleveland County down payment assistance program is now a PURE GRANT

- 6.06% below market fixed-rate
- 3.5% of the loan amount to cover your down payment/closing costs (could be looking at very little out of pocket with seller concessions)
- FHA, VA, and USDA loans (can do 0% down + the DPA Gift funds)
- No longer in the form of a 2nd mortgage
- Non occupant co-signers ALLOWED
First come first serve funds!

📲(405) 881-2500

05/14/2026

Always love to see these 5⭐reviews! Such a joy helping first time homebuyers buyers achieving their goals!

📲(405) 881-2500

05/13/2026

I’ll still answer though 🙏😂

04/30/2026

Just had a buyer close who had been looking for over 2 years, who had originally applied with another lender prior to me. They issued him a pre-approval, but only for $200k when he was wanting to be closer to the $250-275k range.

After looking his application over, I noticed an old open collection account that had a $14k balance which was really hitting his debt to income.

That means at face value a lender would have to count 5% of the total balance as a monthly payment against him due to FHA collection rules (which in this case would have been over $700 a month) which made sense why he'd be limited to $200k.

I made to sure to ask him what the situation was with that collection, and he mentioned he actually only pays $100 a month to that company, and he had a letter to prove that. I ran that by our underwriter, who confirmed that letter would work and we could use the $100 month payment instead of the $700 a month.

After getting the updated letter, I was able to push his approval up to that $275k range which is where he ended up buying!

This is a great reminder of why not every pre-approval is equal!!

📲(405) 881-2500

04/21/2026

Had a first time buyer come through a month ago not quite ready to buy due to their co-borrower not having a credit score.

I noticed they had a credit card they opened several years ago they hardly used.

I advised them to add the co-borrower to their credit card as an authorized user, and this should generate them a score within 2-3 weeks.

They did so, and now the co-borrower has a 740 score within 3 weeks of adding them to the card, allowing them to qualify for both a USDA loan down payment assistance options as well!

This is why doing your due diligence up front is so important before you buy a home!🌟

📲(405) 881-2500

04/16/2026

2 clear to close’s each 10 days early for first time buyers! Love help making the lending process smooth and stress free!🙌🙌

04/09/2026

Clear to close and a happy first time home buyer bringing under $100 to the closing table! Love being able to make these phone calls and make their day!

📲(405) 881-2500
NMLS #2286628

Address

1700 N Broadway Avenue, Suite 118
Moore, OK
73160

Telephone

+14058812500

Website

https://www.themoneystore.com/lo/adam-walmsley/

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