Lance Culp, Loan Officer -NMLS #619476

A home is an investment you'll get value from every day.

Contact me today to learn if real estate is right for you!

We're in the heart of ! Have your home covered from day 1 with Lennar Insurance.

First time homebuyers - it's time to take advantage!

Contact me today to learn more about the Lennar Mortgage "Advantage" program.

Getting denied for a home loan isn't the end!

Your application gives you great information about how to qualify for your dream home, even if you aren’t approved on your first try.

Take the worry out of the wait! With our long-term rate lock, you may be able to protect yourself from market changes for up to 270 days.

Contact me today to learn more!

Putting 20% down isn't as common as you think.

There are plenty of options to make your down payment manageable. Contact me to learn more!

Could you qualify for a home with 0% down?

Ask me about the Lennar Mortgage "Advantage" DPA program today!

Spend less to do more. Downsizing your home can help you lower your monthly payment.

Contact me to learn more!

Looking for an investment that benefits you today and tomorrow? Learn more about becoming a homeowner at LennarMortgage.com!

Student debt doesn't mean you can't buy a home. Today, almost a quarter of homebuyers have student loans!

Ready to learn what homes you could qualify for? Contact me today to learn more!

is a reminder to check your financial wellness. It's important to know what you need to feel financially secure and create a plan to accomplish your goals.

Friendly reminder! Your dream home is waiting. Contact me today to get started!

The Nations Lending Sales Field Advisory Board met up in Chicago for our Q2 brainstorming session. EVP Operations Cindy Baird, VP National Sales Justin Sopko, SVP Western Divisional Manager Mike Towery, SVP Eastern Divisional Manager Tim Dowling, and VP of Product Development Lloyd Rutherford revved-up the energy with Branch Managers, market leaders, and top-producers Dale Kennedy, Tammy Kennedy, Sheryl Osborn, Stacey Gross, Christine McConnell, Jeff LaMonte, Lane Sharpe, Justin Hominsky, Nick Wurzer, and Todd Kolek.

It was a windy city-worthy, a highly productive dialogue to harvest new ideas to help grow our footprint and further serve our communities across the USA.

It’s 10-straight years and 12 times overall for Nations Lending being honored as a Top Workplace in Northeast Ohio! The 2024 recognition is sponsored by the Cleveland Plain Dealer and https://bit.ly/3prd9ry.

“No matter what your job or responsibilities are as a Nations employee – all of you continue to step-up big time and overcome adversity to help us continue to best serve our borrowers in every community – no matter what the challenges and circumstances in our industry. While our footprint in the mortgage space spans the entire country, our roots will forever be planted in the Cleveland area, making this recognition even more special. You are the reason the Nations family continues to grow stronger. Jeremy (Sopko, CEO) and I are appreciative of all you do.” – President Bill Osborne.

Nations Lending is proud to announce eight of our originators have been named a Top 1% Loan Officer for customer satisfaction in 2023 – by https://bit.ly/3Pw4OuU.

We applaud Tammy Kennedy, Carisa Winklepleck, Lance LaGarce, Jason Fogle, Nic Campbell, Cindy Levorah, Jason Cowgill, and William Ward, for their tireless commitment to serving our customers in all our communities across the country.

Congrats to all of you! Well deserved!

Experience.com 2023 Top Performers

Nations Lending is proud to announce eight of our originators have been named a Top 1% Loan Officer for customer satisfaction in 2023 – by https://bit.ly/3Pw4OuU.

We applaud Tammy Kennedy, Carisa Winklepleck, Lance LaGarce, Jason Fogle, Nic Campbell, Cindy Levorah, Jason Cowgill, and William Ward, for their tireless commitment to serving our customers in all our communities across the country.

Congrats to all of you! Well deserved!

2023 Top Performers

💰 Considering a Cash-Out Refinance?
Unlock your home's equity for upgrades. You may save big on interest payments with possible lower interest rates compared to credit cards.

Tap into your home's potential and simplify your finances with a cash-out refinance! 🏠

This just in from Nations Lending…

FHA borrowers who receive gift funds toward their loans now have some more options to document that money from a donor.

Effective immediately -- the borrower only needs to provide one, simple form of documented proof of the gift funds – either before closing or at the time of closing.

Don’t wait another day – give us a call and let’s make those gift funds work for you!

Newsflash from Nations Lending…

A BIG win for VA buyers as options have been expanded!

Just announced: VA borrowers will soon be permitted to pay the buyer’s portion of the real estate agent’s commission on the home sale.

This potentially keeps more VA borrowers in the house hunt for properties with multiple bids.

Information directly from the VA reveals there are some restrictions to the area where the Veteran is purchasing.

In the coming weeks Nations will have a better understanding of those restrictions and will announce updates prior to August 10th.

Wondering if it's time to become a homeowner? See how much home you can afford at LennarMortgage.com/Calculators.

A lower interest rate may help you afford your dream home! Ask me about your options today.

💰Thinking about a Cashout Refinance?
Wave goodbye to high-interest debts! Consolidate into one possibly lower-interest payment. Save on interest and manage debts smarter.

Unlock your home's potential and streamline your finances with a Cashout Refinance! 🏠

Did you know that we have programs that could help you qualify for a 0% down payment?
The first step is getting pre-qualified on our website: http://spr.ly/6181efYUT

Nations Lending is honored to be ranked for the 9th straight year on the most prestigious list of residential lenders from Scotsman Guide – recognition as a Top Mortgage Lender in America for 2024.

“Being honored with a place on the Scotsman Guide list for another year continues to fuel our daily passion to be the best in our industry. This recognition is only possible because of the tireless work of our dedicated sales partners, and collaboration from all our shared services teams. Despite the challenges in our industry in 2023, all of you brought your best every day, implementing rapidly changing technology and innovative ideas, and worked together to serve our customers in every community. Thank you for making Nations Lending a top mortgage lender!” - CEO Jeremy Sopko.

View full rankings here: https://bit.ly/4aLn8tp

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our nation. Their courage and sacrifice remind us of the true meaning of freedom. This Memorial Day, Nations Lending pays tribute to our fallen heroes. As we reflect on their service, let's also cherish the freedoms they protected. Wishing everyone a safe and meaningful Memorial Day.

You NTK (Need-to-Know) about the LTV (Loan-to-Value) ratio. Contact your Loan Officer to learn more about how your LTV ratio can help you become a homeowner!

Unlock the hidden potential in your home with a Cashout Refinance! Turn your home equity into cash for renovations, debt consolidation, or other financial goals. Discover a new way to make your home work for you today.

Do you know what an "Excellent” credit score is?

Credit scores range from 300-850. These guidelines show what creditors generally consider to be poor, fair, good, very good, or excellent credit.

Individual creditors will have their own criteria for approval but having an excellent credit score usually helps!

BREAKING NEWS from Nations Lending: Did you hear?

Area Median Income (AMI) limits are going up in just a few days – possibly giving you that extra purchase power you need to retaliate against rising home prices.

Whether you’re a first-time homebuyer or looking for that next great home – this is an opportunity you must unlock.

Give me a call and let’s take a look at these new possibilities together and determine if we can help give you the keys to your dream home.

Are you aware of what a healthy Debt-to-Income ratio is?

Keeping your DTI ratio at 36% or less will increase your likelihood of qualifying for a mortgage.

Lock in the home you want. 🔒

Contact me to get started today!

Homeownership provides a stable way to build equity over time and pass down your wealth to the next generation.

Contact me to learn more about investing in homeownership!