Buy with a clearer plan
Look beyond the purchase price. Compare your down payment, closing costs and estimated monthly housing payment before deciding what to offer.
Build a Better Offer →← Mortgage Lending Group homeMeet Reece
MORTGAGE LENDING GROUP LLC
Meet Reece
Merkley.
Your next move starts
with a clear picture.
Reece Merkley, NMLS #1162837, lives and works in Liberty Lake, serving buyers and homeowners across Spokane County, including Spokane Valley and Spokane. He is a mortgage loan originator with Mortgage Lending Group LLC, whose company office is in Edmonds. Talk with Reece about home purchases, refinancing and investment-property financing, starting with your goals, budget and timeline.
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Reece Merkley · Mortgage Loan Originator
NMLS #1162837
NMLS #1162837
A conversation that matters.
Mortgage guidance for Liberty Lake and the Spokane area
WHAT ARE YOU WORKING TOWARD?
Start where you are.
Make sense of your mortgage
Review your balance, equity and goals together. A lower payment is only part of the picture—consider upfront costs, the new term and your plans for the home.
Request your report with Reece →Evaluate an investment
Run a property through different rent and expense assumptions. Include vacancy, repairs and reserves to see how much room the numbers leave.
Explore Investor Portfolio Max →A CLEAR PATH. CONTINUED SUPPORT.
For your next move.
And the life after it.
Understand the decisions ahead and the support you can plan on along the way.
Before you commit
Discuss your goals
A comfortable payment, cash on hand, your timeline. We start with what matters to you.
Consider the options
Compare financing choices side by side, including keeping your current mortgage when that fits best.
Check costs & break-even
Look at fees, points and total costs over your timeline—not just the monthly payment.
Explore break-evenWhat to know
For a refinance or paid discount points, compare the upfront cost with the expected benefit and how long you plan to keep the loan.
From your decision to your first payment
Choose when to lock
Review pricing, lock length and extension costs against your closing date and comfort with rate changes.
What to know
A lock protects specified terms for a limited time, subject to its conditions. Timing cannot guarantee the lowest available rate.
Close with a clear picture
Review the final numbers and remaining steps together. Know what is due, when and to whom.
Follow up on payment one
Check your first due date, servicer details and payment setup so you know what happens after closing.
As your life and goals change
Build a savings routine
Explore autopay and optional extra-principal payments that fit your budget and could reduce interest.
What to know
Autopay alone does not reduce interest. Set it up with your servicer; confirm how extra payments reach principal, any fees or prepayment terms, and that the amount leaves room for your other priorities.
Revisit about every six months
Agree on a check-in to revisit your goals, current loan and available options—or reach out sooner when life changes.
What to know
A lower advertised rate is a starting point for a comparison. Include closing costs, the new loan term and break-even before deciding whether a change is worthwhile.
Your priorities lead.
We help you make the next decision.
SHOP WITH CONFIDENCECompare the whole loan.
Compare the whole loan.
Not just the rate.
Ask each lender to price the same loan amount, down payment, loan type and term, with the same lock period. Check when each quote was prepared so you’re comparing similar conditions.
Look at the rate and APR alongside points, lender credits and lender charges. A lower rate can come with a higher upfront cost; a credit can reduce cash needed while increasing the rate.
Separate financing charges from taxes, insurance and escrow deposits. Ask which amounts are estimates and which are confirmed. Compare total costs over the time you expect to keep the loan.
Ask Reece about your comparisonsFOR YOUR HOME TODAY—AND YOUR NEXT MOVE
Your home, in one report.
Bring together your mortgage balance, estimated equity and possible next steps. Explore payment, payoff and refinance scenarios, then review the assumptions with Reece.
Already have a report? Sign in to view it. Values and results depend on the information entered and are estimates.
Explore your options at your pace.
Rates & loan comparisons
Purchase & investment tools
Homeowners & equity
Guides & checklists
To connect directly with Reece, use Contact Reece, his Offer Builder above or his report request. Other shared website forms may connect you with the website team.
Before you take the next step.
What should I bring to our first conversation?
Your goal, approximate budget, down-payment plan and timeline are a helpful start. For a refinance, have your current balance, rate and payment available. Use a secure document process if documents are needed; don’t send sensitive financial records through ordinary email.
Can I compare another lender’s quote?
Yes—contact Reece about reviewing it together. Ask about the same loan amount, term and lock period, and compare points, lender credits and lender fees. A payment difference may come from different tax or insurance estimates rather than better financing.
Does using a calculator mean I’m approved?
No. These tools help you explore scenarios. They don’t pull credit, lock a rate or establish loan approval. Confirm your eligibility and actual terms through the lender’s application and review process.
How do I know whether refinancing makes sense?
Compare the cost of the new loan with the benefit over your expected holding period. Consider the remaining term of your current mortgage, any cash added to the new balance and total interest—not only the monthly payment. Bring those comparisons to your conversation with Reece.
A first home. A new plan.
Your questions come first.
Tell Reece what you’re considering and where you’d like more clarity.