Joey Gonzales - Mortgage Loan Officer NMLS# 1949528

Mortgage rates are dropping! Now could be the perfect time to secure that dream home you’ve been eyeing. Don’t miss out on this opportunity – apply today and take the first step toward making your DREAM a REALITY!
DM the Lending Champ today to learn more. Rates as of 08/13/24, subject to change.

Joey Gonzales
Primelending
Abilene,TX
214-901-4835

Getting ready for the CORE training event!

Home for the Holidays- Labor Day

Want a backyard that is perfect for entertaining? Your journey home starts at PrimeLending. Contact me today to begin your mortgage application and you may be able to close before Labor Day. The Lending Champ 214-901-4835

Buy Before Summer Ends

Absolutely! There's still time to find your dream home before the summer wraps up. At PrimeLending, we're here to make your home buying journey is easy-breezy. Our online application makes it easy to get approved so you can move in before the season ends. Whether you’re a first-time buyer or looking to upgrade, let me help you make the most of these sunny days! 214-901-4835 The Lending Champ!

For a limited time, Summer Splash Buydown program, PrimeLending’s 1-0 temporary buydown*, can help your clients dive into homeownership now! We’re effectively lowering the interest rate for the first year on FHA, VA or USDA loans using funds we add to an escrow account. That means their first year of homeownership could be more affordable. Let’s work together to get your clients into new homes. Contact the Lending Champ today and mention promo code SUMMER SPLASH to get all the details

A wonderful family! Congratulations!
Special thanks to Jordan Nichols, RE/MAX Big Country for all her hard work! Shout out to First Texas Title for their prompt work as well.
Lending Champ!!! Still got it!

Happy closing day! Congratulations to the Nicholson family on the purchase of their new home. We’ve been working together since 2022 and they found the perfect home. Special thanks to First Texas Title and Heather Nicole Thompson with Epique Realty for all their hard work.

Special guest star, the Lending Princess featured in her first closing picture!

Buying in the Summer
Snagging a house in the summer comes with many perks, making it a hot season for buyers. With warmer weather and longer daylight hours, it’s easier to move and attend home showings when it’s not cold, raining, or snowing. Plus, summer typically has a higher inventory of homes for sale, giving buyers more options to choose from. For families with children, moving during the summer means not disrupting the school year and gives kids time to transition to new schools and neighborhoods before school begins. Not to mention, if the new home requires renovations or improvements, summer is a prime time to undertake these projects as the work can be completed without weather-related delays.

In a nutshell, house-hunting in the summer can provide more convenience, joy, and efficiency, with practical and lifestyle perks. Send me a DM to get started on finding your new sunny sanctuary!
Lending Champ 214-901-4835

Summer Maintenance
As the dog days of summer approach, it’s the perfect time to give your home some extra attention and ensure it remains in excellent condition. Here are some summer maintenance to-dos to keep your home in great shape.

-Service your air conditioning system
-Clean your gutters
-Check the weather stripping and caulk around the doors and windows
-Power wash the patio

Give your home the attention it deserves and enjoy a worry-free summer season.
Lending Champ!!

A great start of the week! Helping a first time homebuyer. Congratulations to you. Special thanks to Jordan Nichols, RE/MAX Big Country for all her hard work. Shout out to Texas Pioneer Title of Abilene. Thank you for everything. Lending champ! Keep moving forward! 

15 Year vs 30 Year
Trying to choose between a 15- or a 30-year mortgage? Here's what you need to know! On one hand, a 15-year mortgage means a higher monthly payment but you could pay less interest over time. On the other hand, a 30-year mortgage offers lower monthly payments but you may end up paying more interest in the long run. Which one fits your financial goals and lifestyle better? Let's weigh the pros and cons together! Lending Champ 214-901-4835

Wait or Buy?
Playing the waiting game with mortgage rates? You'd like to buy but ideally you want to wait for a lower interest rate – I totally get it! Here are my two cents about why waiting for rates might not be the best idea if you can afford to buy sooner rather than later:

-As we saw in 2020 and 2021, when mortgage rates dropped more buyers entered the market resulting in home price increases and bidding wars. No doubt that potential home buyers that have been priced out of today's market will be itching to buy once rates come back down again. You may want to avoid the competition from other buyers flooding the market.

-While waiting for rates to come down, you might be subject to rising home prices making the overall cost of homeownership more expensive. Not only have home prices increased but rent prices have increased too. You can lock in a steady mortgage payment now and enjoy the equity that you build in the years to come.

-Just waiting can be stressful. Analyzing market trends and monitoring the housing market can be draining. Additionally, if you have specific time constraints (like your lease ending) waiting for rates may not be feasible.

Ultimately, deciding to wait or not to wait depends on your individual circumstances. Chat with a financial advisor or send me a DM to help you weigh the pros and cons! Lending Champ 214-901-4835

What better way to wind down the week than helping a couple with their new home. Congratulations to you. Special thanks to Heather Nicole Thompson for her hard work and dedication. Lending Champ! Undisputed baby!

Mythbuster – Self Employed
Myth busted: You CAN be your own boss AND a homeowner! Don't let misconceptions about self-employment hold you back from achieving your homeownership goals. Entrepreneurship doesn't disqualify you from buying a home – in fact, self-employed borrowers go through the same process as everyone else. Let's rewrite the narrative and create success stories for self-employed individuals in the world of homeownership! Lending Champ 214-901-4835

So thankful for these kind words from our clients. Lending Champ, standing tall!

Fantastic Friday! Start your day helping a first time homebuyer. Congratulations on the purchase of your new home. Special thanks to Tracy Friske for her amazing work and thanks to First Texas Title. Lending Champ! Knockout!

Winner Wednesday!
Congratulations to another happy family on their purchase of their new home. Special thanks to the Sarah Hunter - Realtor, Epique Realty LLC, for her hard work!
Lending Champ!
That’s how winning is done!

Happy Friday closing! Congratulations to the Edwards family. It was a pleasure helping you make your transition here to Abilene. Special thanks to B.T. Hill, Realtor, Coldwell Banker Apex, Realtors for his outstanding work and First Texas Title.

Lending Champ! Keep punching!

Check this out.

Open House this weekend! Need a cozy home, at a budget price? I've got the place you're looking for. Stop by and see me on Saturday!

Can't make it? Contact me and we'll arrange a private tour.

The lending champ and princess are ready for the eclipse.