Mortgage isn’t a volume problem. It’s a profitability problem.
We help banks improve mortgage profitability by aligning production, cost structure, and capital deployment.
Through a structured approach—including our Mortgage Efficiency Review—we evaluate how your current model performs and identify opportunities to generate more consistent, capital-efficient returns.
We then bring the loan flow through our broker distribution network, and carry the file through the Links Life-of-Loan Platform™ — application through underwriting, closing, secondary marketing, and servicing coordination.
Most banks don’t have a demand problem in mortgage—they have a structure problem.
Diagnostic. Distribution. Fulfillment. Three parts of one structure.
For Lenders
Brokers
Life-of-Loan Platform
Why Links Mortgages works
Built by Operators Who Understand Both Sides of the Balance Sheet
Links Mortgages is led by experienced mortgage and banking professionals with decades of experience across national and regional institutions—bringing a practical understanding of capital, production, and execution.
Bob Kaestner
Founder & CEO
- 35+ years in residential mortgage banking and financial services
- Built lending teams, portfolio strategies, and production platforms
- Founder of Links Mortgages and architect of the Links platform
- The name Links reflects both our mission and a founding belief: sustained excellence requires discipline, precision, and a long game mentality.
Gene Morris
Mortgage Strategy & Capital Markets
- Former Bank of America Mortgage Production Leader - $100B Platform
- Deep Expertise in channel economics, servicing value, and distribution strategy
- Supports mortgage strategy, execution design, and capital-efficient growth
Reid Pollard
Bank Strategy & Executive Advisory
- Former bank President & CEO with deep institutional operating and turnaround experience
- Former FHLB Director — capital strategy and balance sheet optimization
- Board-level perspective on bank performance, governance, and executive decision-making