Frequently Asked Questions

Find quick answers to common questions about how Link works, what we offer, and how to get started. If you need more help, we’re here for you.

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Answers to Your Most Common Questions

What makes Link’s in-house model better than working with separate third parties?

By combining real estate, mortgage, and escrow under one roof, we save you time, money, and stress. Our teams communicate directly with each other, which leads to faster closings, fewer errors, and better service throughout.

Do you offer any support for first-time buyers or sellers?

Yes! First-time clients receive hands-on guidance every step of the way — from financing and offers to escrow and closing. We also offer educational resources, checklists, and dedicated support staff to make the process feel simple and stress-free.

What does the compliance process look like with Link’s integrated model?

Our compliance is handled in-house, which means faster reviews, less back-and-forth, and fewer delays at closing. We have full-time compliance officers and proprietary systems to track required documents, deadlines, and disclosures across all services.

What happens if a deal falls through? Do I still owe fees?

Typically, if a deal falls through due to contingencies like inspection or appraisal, you won’t owe Link service fees. Every situation is unique, so your agent or escrow officer will walk you through the exact terms before you sign anything.

What does the client experience look like when working with Link from start to finish?

From start to finish, working with Link means one connected experience. After your initial consultation, you’ll be paired with a dedicated agent who helps you outline goals and next steps. If you choose to bundle services, we’ll loop in a loan officer and escrow coordinator early, so everyone is aligned from the beginning. You’ll manage the entire process — property search, offers, disclosures, loan updates, and closing — through a single dashboard, with real-time notifications and easy access to your team. Fewer handoffs, fewer surprises, and a faster path to closing.

What kind of tech does Link use to make the transaction smoother?

Link uses proprietary technology built by agents, for agents — enhanced with AI and extensive back office automation to eliminate redundancies, streamline operations, and keep deals on track. Our integrated dashboard connects real estate, mortgage, and escrow in one system, giving clients and agents real-time visibility and fewer surprises along the way.

How is Link able to provide discounted services without sacrificing quality?

Because we own and operate all three core services — brokerage, mortgage, and escrow — we cut out unnecessary middlemen and operate more efficiently. This allows us to properly incentivize everyone involved while still passing savings on to you, all without compromising on expert service or dedicated support at any stage.

Does Link charge additional fees for in-house services?

No, there are no hidden or extra fees for using our in-house teams. In fact, our integrated model often lowers your total transaction costs. You’ll receive competitive rates and discounts, without sacrificing service or flexibility.

How much can I save by bundling brokerage, mortgage, and escrow services?

While savings vary depending on your transaction, buyers can receive up to $20,000 in lender and closing credits, while sellers receive free escrow when listing with a Link agent. Exact savings will be outlined in your proposal or during your initial consultation — but the more services you bundle, the more you keep in your pocket.

What areas do you serve?

Link.ai is currently offered throughout Southern California. Link Brokerages currently operates across 8 states: California, Arizona, Colorado, Georgia, Florida, South Carolina, North Carolina, and New York. Link Mortgage currently operates across 8 states: California, Arizona, Colorado, Georgia, Texas, Florida, Montana, and Idaho. Link Mortgage currently operates in California

Are your brokerage, escrow, and mortgage teams connected?

Yes. Link Brokerages, Link Escrow, and Link Mortgage are all part of the same family of companies, which means one integrated platform, better communication, fewer delays, and a more streamlined experience for you. Each team operates independently but works together behind the scenes to simplify your transaction.

What is Link and how is it different from a traditional real estate company?

Link was built to make real estate easier and more fair. We apply new technology and design better incentives so everything works together. When the process is connected and transparent, people can move forward with clarity and confidence.

What services does Link offer?

Link Brokerages offers full-service residential and commercial real estate representation for buyers, sellers, and investors. Services include expert market guidance, cutting-edge marketing, transaction coordination, and bundled savings when paired with our in-house mortgage and escrow teams.

How does the “Bundle & Save” program work at Link?

The Bundle & Save program rewards clients who use Link's full suite of services. Buyers can receive up to $20,000 in credit when they bundle Link’s real estate and mortgage services, while sellers receive free escrow when selling with a Link agent. Clients still work with experienced professionals in each division, but without the markups and inefficiencies of separate companies.

How does Link ensure compliance throughout a transaction?

Our backend system enforces strict compliance protocols for every deal. It tracks deadlines, disclosures, and documentation while giving our compliance team real-time oversight, so your transaction stays legally sound from start to finish.

Does Link handle commercial transactions too?

Yes — while our platform is designed primarily for residential real estate, we also support commercial transactions. If you’re pursuing commercial property, we’ll connect you with a qualified agent who can handle it.

How does Link support sellers with marketing and listing services?

Marketing and listing services vary based on the agent and your agreement with them. Most agents offer professional photography, listing on the MLS, pricing strategies, and open house coordination. Your agent will walk you through what’s included before listing your property.

What’s the process for buying a home through Link?

Start by using our AI system to search for homes based on your preferences and buying power. The AI will guide you through your options. When you're ready to tour homes or submit an offer, a licensed agent will take over and support you through the rest of the transaction.

Can I choose or switch my agent?

Yes. While we match you with the most qualified agent available, you’re always welcome to request to interview others or switch agents at any point.

How do I get matched with the right Link agent?

You’ll be paired with a qualified agent who has a proven track record in your area. We use your location and needs to match you with someone experienced in that market. If things don’t work out, you can always request a different agent.

What if I already have a lender — can I still work with Link Brokerages or Linked Escrow?

Absolutely. You can work with Link Brokerages or Linked Escrow even if you’re using an outside lender. Our services are flexible and designed to fit your needs, whether you’re using one piece of our ecosystem or the whole thing.

Can I use my own real estate agent and still get a discount?

You can only receive a discount if your agent is part of the Link network. Discounts are tied to bundling services within the Link system — including brokerage, mortgage, and escrow. The same applies to lenders and escrow providers: using outside services won’t qualify for bundled savings.

How experienced are your brokerage agents?

Link’s partnered agents must qualify for our program by either closing $4m in sales or 10 transitions in the past 12 months, putting them consistently in the top 10% of agents nationwide. Most of our partners have over 5 years of experience and are in the top 2% of agents nationwide.

How fast can you close a loan using Link’s in-house services?

Because we control all three sides — brokerage, mortgage, and escrow — we can often close in as little as 14–21 days. Faster communication and fewer moving parts mean less waiting for you.

Do you offer down payment assistance or first-time buyer programs?

Yes, we have access to a variety of down payment assistance and first-time buyer programs depending on your location and income. Our system or your loan officer can help you explore these during pre-approval.

Can I lock in my mortgage rate with Link?

Yes — once you're in contract on a home, we can lock your rate to protect you from market fluctuations. We’ll guide you through the timing so you lock at the right moment.

What documents do I need to get pre-approved?

You’ll typically need an ID, two years of income history (like W-2s or tax returns), recent pay stubs, and bank statements. The system will walk you through exactly what we need based on your job type, loan type, and property type. Once submitted, we’ll review your file and issue your pre-approval fast.

Does Link Mortgage service its own loans after closing?

Loans originated by Link are transferred to a servicing partner after closing. However, we’ll walk you through what to expect and you’ll always know where to make payments and who to contact.

Can I get a mortgage through Link without speaking to someone in person?

Yes! Our platform can be used fully remote — you can complete the entire loan process online or by phone. That said, we’re always here if you want to talk or meet in person at one of our local offices

How accurate are Link Mortgage’s pre-approvals?

Our pre-approvals are fully underwritten and based on verified documentation — not just estimates. That means you can make stronger offers and move faster once you find the right property.

What kind of properties can I finance with Link Mortgage?

Link Mortgage can finance a wide variety of properties, including single-family homes, condos, townhomes, multi-family properties (2–4 units), and manufactured homes. We also work with clients purchasing commercial properties, vacant land, or lots with construction potential. Whether you’re buying your first home, a rental property, or a development site, we’ve got flexible financing options to match.

How do I know I’m getting a competitive mortgage rate through Link Mortgage?

We’re approved with over 20 direct lenders and banks, which allows us to shop your loan across a wide network to secure the best rate and lowest fees possible. Unlike retail lenders that push their own products, Link Mortgage acts as a strategic partner — making sure you're getting the most competitive deal available, with full transparency every step of the way.

What types of home loans does Link Mortgage offer?

Link Mortgage offers a wide range of loan products to fit nearly every buyer’s situation. These include Conventional, VA, FHA, Jumbo, HELOCs, refinancing options, and renovation loans. We also provide DSCR (Debt Service Coverage Ratio) loans for investors, CalHFA and USDA loans for qualifying buyers, and Non-QM options for borrowers with non-traditional income. Whether you're building, buying, or refinancing, we offer fixed-rate, adjustable-rate, construction, niche, and specialty programs tailored to your needs.

How do I get pre-approved with Link Mortgage?

Getting pre-approved is quick and easy — just visit link.ai and chat with the system. In the system you will be able to review your options, check your credit, and give you a clear picture of your buying power. A loan officer is always a message away as well.

What are the benefits of using Link Mortgage over another lender?

Link Mortgage offers fast approvals, competitive rates, and seamless coordination with your real estate and escrow team. Since it’s part of the Link family of companies, your transaction stays under one roof — helping avoid delays, miscommunication, and redundant paperwork. You get great rates and a smoother experience from start to finish.

Who do I contact if I have questions during escrow?

You'll be assigned a specific Realtor, Loan Officer, or Escrow Officer with Link who will be your main point of contact. They’re available by phone, email, or in person to answer any questions along the way.

Can I track my escrow progress online?

Yes. Our system provides real-time updates and document tracking, so you always know what’s done and what’s next. You’ll also have a dedicated escrow officer to guide you throughout.

Is Link Escrow only for residential real estate?

No, Link Escrow handles both residential and commercial real estate transactions. Whether you're buying a home, a building, or land, we can help you close securely and efficiently.

Why do I need an escrow company at all? Can’t I just work with my agent?

An agent represents you, but escrow represents the transaction itself. Escrow ensures no money changes hands until everyone has done what they agreed to — protecting both buyers and sellers.

What exactly does an escrow company do in a real estate transaction?

Escrow acts as a neutral third party that holds funds, coordinates documents, and ensures that all conditions of the sale are met before anything is released. It’s a critical part of a safe, smooth closing.

What are Link Escrow’s fees and how are they calculated?

Sale escrow fees are typically calculated per side with a $500 base, plus a $2.50 / 1,000 per side. Escrow fees do not exceed $5,000 base per side. Refinance escrow fees are set at a price of $650

Is Link Escrow fully licensed and regulated in California?

Yes. Link Escrow also known as Linked Escrow is a fully licensed and independent escrow company regulated by the California Department of Financial Protection and Innovation (DFPI). We follow strict compliance protocols to ensure every transaction is safe, transparent, and legally sound.

Can I use Link Escrow even if I don’t use Link Brokerages?

Yes, you can use Link Escrow even if you’re working with a different agent or brokerage. Link Escrow is a fully licensed, independent escrow company that works with all brokerages, lenders, and buyers or sellers across California.

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