PrimeLending - Lubbock

Happy Father’s Day to all the incredible dads, stepdads, grandfathers, and father figures who enrich our lives with their wisdom, strength, and love. Here’s to all the cherished moments and life lessons shared.

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

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

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

Whether you're buying a fixer-upper or want to update your current home, a renovation loan can help you bring your project to life. Benefits of a renovation loan include:
Affording and customizing a home in your dream neighborhood.
Finally make the home repairs you've been putting off.
Possibly increasing your home's value.
Roll the renovation costs into your mortgage so you have one loan and one monthly payment.

Thinking a renovation loan might be the best option for you? Reach out today – we're here to help. https://www.primelending.com/find-a-branch

Did you know the first mortgage in America was issued in the late 1700s? While the mortgage process has changed over the centuries, the dream of being a homeowner remains the same for many Americans. June is National Homeownership Month which serves as a way to celebrate being homeowners and continue to make homeownership an accessible, equitable opportunity for those who want to reach their homebuying goals. Connect with us to learn more!

From fast breaks to fast approvals, PrimeLending has your financial game covered! With a winning team of home loan experts, we’re here to assist you in scoring the perfect mortgage. Shoot your shot! Let's make your financial journey a slam dunk! Visit https://www.primelending.com/find-a-branch to learn more. 🏀

Renovating your home is a big decisions, and it can be difficult to decide if it's the right choice for you. Let's go through the reasons why a PrimeLending renovation could be a great choice for you and your family:

-Increased comfort: Renovating your home can help you make it more comfortable by improving insulation, upgrading HVAC systems, and adding features like smart thermostats, energy efficient windows, or heated floors. These renovations could potentially help to lower your monthly utility bills.

-Improved functionality: Create a more functional space that better meets your needs. For example, you could add a new room, reconfigure your layout, or install storage solutions to maximize your space.

-Fresh makeover: Give your home a fresh, modern look that fits your personal style.

- Possible Increased home value: You may be able to give your home value a bump with a renovation. Upgrades like adding a new bathroom, updating the kitchen, or adding a deck or patio can all potentially help to increase your home's value.

There are many reasons why you might want to consider a renovation. When you're ready to chat about a renovation made easy with PrimeLending, give me a call!

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. Connect with your local loan officer to start your homebuying journey.

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership, but what factors play into how rates are determined? Let's talk about the factors that you can control and the factors that you can't!

Factors you can't 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.

Factors you can control:
While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. 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!

Looking to give your kitchen a facelift? From installing new countertops to fresh cabinets, here are some of the best kitchen renovation ideas to give your kitchen a stylish update.

-Install New Countertops: Updating your countertops can make a big impact on your kitchen's overall look and feel. Consider installing granite, marble, quartz, or even butcher block for a fresh, modern look.
-Refresh Your Cabinets: Give your cabinets a makeover either with a new stain, new doors, or all new cabinets.
-Add New Appliances: Consider replacing your old appliances with energy-efficient models that will help save you money on your energy bills.
-Install a Backsplash: Installing a backsplash is a great way to add color and texture to your kitchen. Choose from a variety of materials, such as glass, ceramic, stone, and more.
-Replace Your Flooring: If your kitchen flooring is looking a little worse for wear, consider replacing it with something new. There are plenty of stylish options to choose from, such as hardwood, tile, or even laminate.
-Add Storage Solutions: Finding ways to maximize storage in your kitchen is essential. Consider adding wall-mounted shelves, under-cabinet organizers, and even a kitchen island for extra storage and workspace.

With a little bit of planning, creativity and a renovation loan from PrimeLending, you can transform your kitchen into the perfect space to entertain, prepare meals, and enjoy with your family and friends.

The future looks brighter with you on board! Welcome to , where every day is an opportunity to build your business and help customers reach their homeownership goals.

Celebrating Mother's Day with heartfelt gratitude to all the amazing moms! 🌷 Today is dedicated to honoring the love, strength, and selflessness of mothers everywhere. Thank you for your boundless support, nurturing care, and endless sacrifices. Your love shapes our lives in countless ways. Wishing you a day filled with joy, relaxation, and cherished moments with loved ones

Wish your student loan debt didn’t feel like such a life-long commitment? A cash-out refinance* could help you manage that debt!
When your home is worth more than what you owe on your mortgage, a cash-out refi allows you to convert that home equity into cash. You can then use the cash any way you like, even to pay down that pesky student loan debt. Connect with your local mortgage expert of learn more https://bit.ly/2Mn4LpJ
*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

Ever wondered about Adjustable-Rate Mortgages (ARMs)? Chances are, you've heard the term but aren't quite sure what it means or why it's important. An ARM is a home loan option where the interest rate fluctuates over time based on market changes. Initially, you'll enjoy a lower interest rate compared to fixed-rate mortgages, set for a fixed period depending on your ARM option. After this fixed rate period, the rate adjusts at set intervals in sync with the current market rate. Understanding ARMs can help you navigate your home financing journey with confidence!

Reach out to me today to learn more!

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what factors into how rates are determined? Let's talk about the things you can control and the ones 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.
In your control:
While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. 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? Talk to a PrimeLending loan officer today.

Curious about Mortgage Insurance? Let's break it down! Mortgage Insurance is often required for homebuyers who put down less than 20% on their home purchase.

Keep in mind, Mortgage Insurance may not be permanent. Once you've built up enough equity in your home (typically around 20%), you may be able to cancel it, depending on the loan program.

Have mortgage related questions? Please reach out!

Congratulations to all the amazing teachers out there for finishing the year strong! Your hard work, dedication, and commitment to our students has not gone unnoticed. From the bottom of our hearts, we thank you for all that you do.

Happy New Home Owners Day from PrimeLending! Today, we celebrate the excitement and joy of turning dreams into reality. Whether it's your first home or your forever home, we're honored to be a part of your journey. Here's to all the memories waiting to be made and the adventures yet to come in your new space. Cheers to you, new homeowners!

Deciding between beefing up your mortgage payment or exploring other investment avenues is like choosing between popcorn or candy at the movies - tough call! Your financial roadmap should be as unique as you are, considering your goals, risk appetite, and money matters. It's a juggling act, but finding the sweet spot between slashing debt and smart investing is the golden ticket to reaching your financial dreams.

If you have mortgage related questions or are looking to refinance your home, please reach out!

Source: https://www.forbes.com/advisor/mortgages/pay-off-mortgage-early-vs-investing/

Could you use a hand getting your properties noticed online? When we co-market together, I can help you draw attention to your properties and impress potential buyers with on-trend landing pages that feature your MLS listings. We can team up to make co-branded single-property sites that are ready to share on social media. Ready to enhance your current marketing strategy and turn clicks into closings?

Contact me today to learn more about how co-marketing with me can help you generate more business.

Looking for your dream home? Need a mortgage that fits like a glove? Look no further! PrimeLending is here to save the day and guide you through every step of your homebuying journey.

With our expertise and dedication, we'll help you find a home loan solution tailored to your needs. Whether you're a first-time homebuyer or a seasoned pro, we've got your back!

Say hello to homeownership bliss with PrimeLending by your side. Let's make your homeownership dreams a reality!

Hey homebuyers! Spring season means more than just warmer weather. It's also when the housing market heats up too. Planning on entering the housing market yourself? Here are some things to think about as you prepare.

Make sure you have an approval BEFORE you start the house hunting. An approval is based on data verified by an underwriter, which carries more weight as you're putting in offers. That could be the difference between winning the home or getting passed over.

Don't wait on rates. If you're ready and able to buy, the day-to-day rate movements should matter less than finding a home you can afford. Remember, as interest rates decrease we usually see mortgage applications increase, which could mean more buyer competition is entering the market.

And lastly, make a plan to reduce your mortgage payment. Ask about buy down options to help reduce your interest rate. Ready to SPRING into action? Send me a DM and I'll answer all you're homebuying and market questions!

Are you a first-time buyer? Buying new construction? Ready to renovate? Looking for information on VA or USDA loans? I have a guide for that!

No matter where you are in your real estate journey this fall, I have FREE, how-to guides waiting to send your way that will help you get from where you are to where you want to be!

Just DM us your email and your real estate goals, and we'll send over the perfect guide for you—no strings attached!

*These are brokered loan products. Not available in the following states: NY, NC, or HI. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. Please see https://www.primelending.com/refinance/reverse-mortgage for additional information.

It's National Volunteer Week and who better to showcase than our own team! Brett Reinhardt, Loan Originator NMLS #404459, loves to serve others, and it shows through his volunteer work! Every Friday morning, rain or shine, Brett joins his fellow volunteers at Food For Thought* to pack bags of food for children in need. Help us celebrate Brett and his heartfelt commitment to his community!

*PrimeLending is not affiliated with Food For Thought