Gina Parrish, Mortgage Consultant with Countybank Mortgage

Best time of the year is here 🏈 🍁 If you want to become a homeowner this year, there is still time!

Thanks to at for allowing me to come in and speak to your agents. I love connecting with local teams and offering top notch mortgage services with !

Congratulations to my buyers who closed on their beautiful lake home!! Who’s next?

I get asked this a lot: what is the required down payment?

Well, it depends! Credit score and your DTI (Debt to Income) score determines which Loan Program we do. Each program has different requirements: 0% , 3% , 3.5% or 5% are common.

Can you put more down? Absolutely.

Let’s talk through your options and see if homeownership is closer than you think!

💡🏡 Want to save on interest over the life of your loan? Follow this step-by-step guide:

Make Extra Payments 💵: Even small additional payments toward your principal can significantly reduce the total interest paid.

Refinance for a Lower Rate 📉: If rates have dropped since you first took out your loan, consider refinancing to lock in a lower rate and save big over time.

Switch to Bi-Weekly Payments 📅: By making payments every two weeks instead of monthly, you’ll make one extra payment each year, which shortens your loan term and cuts interest. Double-check that your bank offers this because many do not.

Round Up Payments 🔄: Round your monthly payments up to the nearest $50 or $100—every little bit helps!

Shorten Your Loan Term 🕒: If possible, refinance to a shorter loan term (like 15 years instead of 30). You will pay less interest, even though the monthly payments might be higher. Saving on interest means more money stays in your pocket.

Ready to put these tips into action?

Congratulations to my buyer!! I’ve helped the Daughter buy in SC, then with her move back to FL and now her Mom in FL. I ❤️ working with families! I can do other states too, and would love to help you!!

First time buyers moving from the Low Country, welcome to the Upstate 🏠🔑🙌🏻 always killing it in real estate

💡Did you know? 90% of all millionaires become so through owning real estate. 💡

Investing in a home is not just about having a place to live—it is a proven path to building wealth! Here is why:

Equity Growth: Your home can increase in value over time, boosting your net worth.

Stability & Security: Real estate is a solid, long-term investment.

Tax Benefits: Homeownership comes with potential tax advantages.

Passive Income: Rental properties can generate steady income streams.

Ready to start your journey to financial success? 🏡💼

Congratulations to our buyers!!! We helped their family last year and they now get to live 1 street from each other. ❤️ my job!! Thanks always the best!!!

Did you know it would take a minimum wage worker 19 years to save for the average Down Payment in SC? That’s why affordable housing, better work wages and income driven programs are important. We have first time buyer / income driven programs and as little as 0% Down Payment options, let’s chat!

Huge drop in rates today!! 🙌🏻 If you bought in 2023 YOU NEED TO LOOK AT REFINANCING- I’d love to help and see if it makes sense. Call me!

Need a lender who will GET IT DONE and COMMUNICATE along the way? I’m your girl, I’d love to help!

A seller buydown is when the seller contributes to lowering your mortgage interest rate, reducing your monthly payments. 💸✨ It’s a win-win: sellers can attract more buyers, and you can save money over the life of your loan! 🏡🔑 Have questions? Let’s chat!

Rates are DOWN, NOW is the time to get preapproved!!

Where are my millennials at? It’s time for YOU to become a homeowner!

Congratulations to my PA buyers- welcome to SC!!! Thanks to and for being amazing partners as always! 🙌🏻🙌🏻

Are you already working with a lender? I’d love to offer a second opinion! Often times I am more competitive on rates and fees. I’d love to help!

Congratulations to my buyer!! & is always amazing to work with!

Thankful ❤️ Who’s ready to buy a home? I’d love to help!

Ever wonder what these terms mean: LTV, Amortization, Down Payment? Check out my new post and learn important mortgage lingo 🏠 🔑

Congratulations to my sweet buyers!! They got to move in the same neighborhood as their best friends 🙌🏻 Thanks to for always being the best partner! ❤️ my job!!!

Congratulations Jackson!! I ❤️ working with First Time Buyers! Who’s next?? Loved working with &

You can negotiate a lot of your terms, let’s chat today and see what your options are!

Happy 4th of July 🇺🇸

Wondering what happens near closing time? Check out my new post!

Happy Closing Day to my buyers!! Buying or Selling and moving from out of state? I’d love to help! Thanks to , as always the best!!!

Inside Your Mortgage: Breaking Down the Timeline to Fund a Loan

Ready to start your journey? 💬🏡

1. Employment History: Share your job stability and income details.

2. Income Sources: Disclose all sources of income, including bonuses and freelance work.

3. Debts: List all current debts like student loans, car loans, and credit cards.

4. Credit History: Be transparent about your credit score and any past issues.

5. Savings: Inform about savings and assets available for down payment and closing costs.

6. Gift Funds: If receiving financial gifts, let your lender know and provide documentation.

7. Monthly Expenses: Detail regular expenses such as rent, utilities, and other recurring costs.

8. Property Preferences: Communicate your ideal home features and location preferences.

9. Future Plans: Share any plans that might affect your finances, like further education or family growth.

10. Concerns: Discuss any worries or questions about the mortgage process.

Transparency with your lender ensures a smoother, faster approval process. Ready to start? Let’s chat! 💬🔑

Congratulations to my sweet buyers!!! They have a little girl due any day now and just bought a new home. Exciting times! Loved working with them & 🙌🏻🙌🏻🙌🏻🙌🏻

Don’t know where to start on purchasing a home? Let’s chat, I’m happy to talk you through general steps and the process and answer any questions or concerns.