Leisa Johnson - Your Home Loan Specialist, PrimeLending NMLS# 201278

Interesting take on predicting the interest rate future. Wanted to share!

www.msn.com

Stop being a prisoner of your past. Become the architect of your future." - Robin Sharma.

At PrimeLending, we're here to help you build a brighter tomorrow. Let's make your homeownership dreams a reality! 🏡✨

🏡✨ As a loan officer and this weekend is all about making your homeownership dreams a reality! Whether you're aiming to buy your first home, refinance, or invest in property, I'm here to provide expert guidance and support.

Let's work together to secure the perfect Home Loan solution for you!
Call me, available after hours and weekends!!!

🌞 Planning on buying this summer? 🏡 Why haven’t you called me yet? 📞✨

Did you know that FHA loans are backed by the Federal Housing Administration? That means FHA loans can be more affordable than conventional loans and offer more flexible income and credit requirements. But, which one is right for you?

• 📉 FHA Mortgage – Purchase a home with low down payment options.
• 🔨 FHA 203K – Renovate (or purchase and renovate) your primary residence.
• 🔄 FHA Streamline Refinance – Refinance your current FHA mortgage with limited borrower documentation and underwriting.

There’s more to FHA loans than meets the eye. 👀✨
Call me so we can review! 864.918.1491

🏡✨What do you see when you think of your dream home? Maybe it’s white subway tile and a professional-grade range in your kitchen. 🍳🔨 Or maybe it’s a laundry room that you actually WANT people to see. 🧺👀 With a renovation loan, I can help you bring your dream home to life. 💫🔑

🏠💰 Would $7,000 in downpayment and/or closing cost assistance* help you afford a new home? A HomeReady® First loan could give you the financial boost you need to afford a home! Get other benefits like:
• Low down payment requirements
• Non-traditional credit history accepted
• No income limits
• And more!

Plus, the program’s geographic flexibility gives you the freedom to choose your new neighborhood without limitations. 🗺️✨

Give me a call for more information!

🏡💸This may come as no surprise, but borrowing money costs money a.k.a. interest. A mortgage rate is the percentage of interest charged on a mortgage and is determined by economic conditions and your loan type, among other factors. 📊💡

Call me for further insight and to discuss the economic data that affects the mortgage rates daily! 864.918.1491

🌟 Monday Motivation 🌟 "Who you are tomorrow begins with what you do today." Start this week with purpose and determination to achieve your goals! 💪✨

Not loving your rate options? 😕 I know how you can reduce your interest rate temporarily or even over the life of your loan. Two common options are discount points and a temporary buydown.

💡 Discount points are upfront fees paid by a borrower to get a permanently reduced interest rate for the life of the loan. One mortgage point typically costs 1% of the mortgage value and reduces the interest rate by .25%. Mortgage discount points are a good option when you plan to stay in the home for a while and can reach your "break even" point.

🏠 A temporary buydown is a lump sum paid up front to an escrow account that is used to lower your monthly payments temporarily, thereby reducing the effective interest rate on your mortgage for the first 1, 2 or even 3 years When a seller contributes those up-front funds, this reduces your expense during the buydown period to help you ease into the costs of homeownership.

No matter what your needs are, I have solutions to help you. 🤝

✨🏡💛 Cheers and Welcome Home, Amy B! Thank you for allowing me to assist you again with your new home! Always love working with Lindsie Sink-Berkshire Hathaway Home Services-C. Dan Joyner 🏡✨

If I can assist you with your new home plans, give me a call.
Invest in your future and stop paying rent!🏡🏡🏡

I know it's exciting when you finally find a house you love and you’re getting ready to move! 🏠✨ How you're going to decorate, what furniture you want to buy, etc. Here are some things NOT to do while you’re waiting to get to the closing table:
• DON'T deposit large sums of cash
• DON'T make any large purchases
• DON'T cosign loans for anyone
• DON'T switch bank accounts
• DON'T apply for new credit
• DON'T close any accounts
• DON'T change jobs
Bottom line — everyone involved in the loan wants the process to go as smoothly as possible. Before you move money around or buy that new car while you're under contract on a home, always make sure you consult with ME, your lender! 📝🏠

It's easy to get caught up in the excitement of buying a home. 🏡✨ We want to help make your buying experience as simple as possible. Here's what not to do when you are buying a home:
1. Not getting prepared. Set yourself up for success by gathering your financial documents and getting approved now. Future you will be thankful when you're shopping for homes you know you'll be able to afford. 📄✅
2. Don't ignore the neighborhood. Make sure the neighborhood works for your commute and check it out at odd times of the day to see how noisy it is. 🚗🗺️
3. Forgetting to check all your loan options. Talking to a loan officer before you start house hunting can help you discover loan options you may not have considered on your own. 🏦🔍

Your road to homeownership begins with a lender that will help you understand the mortgage process.

🏡Thrilled to Welcome Home, Taylor H. So excited for her new chapter as a homeowner! Thank you for trusting us to guide you through the process!
Teamwork definitely made this work Lindsie Sink-Berkshire Hathaway Home Services-C. Dan Joyner and Blackacre Law! We couldn't be happier!🏡💛

🎉✨ Juneteenth is a time to celebrate freedom and the progress we've made — but it's also a time to acknowledge the work that still needs to be done. ✊🏾🖤 Consider supporting black-owned businesses, reading books by black authors, or attending local Juneteenth events to learn more about this important day. 📚🛍️✨ Visit https://s.si.edu/3M7YvLa to read about the history behind Juneteenth.

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership.🏠 What factors play into how rates are determined? Let's talk about what you can control and the things you can’t! 🔍
Out of your control:
Mortgage rates are closely tied to the overall state of the economy.🌐 Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money for the consumer. 📉💼
What you CAN control:
Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. 📊💳 Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. 💰🏠

Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions! 💬

Q: How long does it take to buy a home? 🏡
A: The average home buyer tours 10 homes over a 10-week period* before finding their ideal home. Then, once you've submitted an offer and are under contract, it can take an average of about a month for your loan to be ready to close and get your keys. If you're looking to buy, step one is to chat with a lender.

DM me, and let's connect. I look forward to hearing from you! 😊

Please note that your timeline will vary widely based on your urgency, the time of year, financing needs, and current inventory.
*Source: https://www.realtor.com/advice/buy/how-many-homes-will-it-take/

🏡✨Welcome Home ! So excited for this client who moved across country and now calls SC home!🏡✨ Cheers to new memories and discovery!

Let me help you make South Carolina home! A smooth move from contract to funding!

🏘 Wanting to jump into the housing market this summer but don't know where to begin? It's always more fun to shop when you know what you want and how much you can afford. Here are 5 reasons to talk to a lender before you start house hunting:

• Determine your budget to narrow down your search.
• Getting an approval letter from a lender can strengthen your offer.
• Understand the loan options that may fit your needs and goals.
• Set expectations for additional costs associated with homeownership like closing costs, down payment requirements, property taxes, and insurance.
• Start getting the document collection out of the way now to make it easier on yourself when it's time to finalize the loan.

Have any questions? Send me a DM! 📩

🏡 Buying a home is one of the biggest purchases you’ll make in your life and a home inspection assesses the home’s structure and mechanical systems (i.e. the roof, walls, windows, appliances, HVAC systems, plumbing and electrical, etc) so you don't end up buying a lemon.
The inspection happens after the seller accepts the offer. The home inspector's job isn’t to determine if you’re getting a good deal, but it is to help you determine if there are any serious issues with the home that you should be aware of that could cost you down the line.
After the inspection you’ll most likely receive a detailed report to review of everything the inspection found – big and small. From there you’ll consult with your realtor about which items you’ll ask the sellers to repair. It’s a good idea to get the home inspected sooner rather than later, that way, if the inspector uncovers any serious issues that you’re not ready to take on, you can back out and move on to the next home.
Have questions about the homebuying process? Send me a DM! I’d be happy to help! 📩