PrimeLending - Edinburg

There’s more than one way to lower your mortgage rate — and two of the most common are buydowns and discount points. Both can help you save, but they do it in different ways that suit different goals.
A seller or builder paid temporary buydown gives you a lower effective interest rate for the first year or two of your loan. That means lower monthly payments upfront — perfect if you want some breathing room as you settle into your new home. After the initial set period of time, the rate returns to the original rate for the life of the loan.
Discount points are all about the long game. You pay a bit more upfront to permanently lower your interest rate, which can add up to serious savings over time — especially if you plan to stay put.
It all comes down to what fits your financial goals. DM me so we can find the option that works best for you and your future plans.

Tapping into your home’s equity can be a smart way to fund big goals — but understanding your options is key. Two popular choices? A cash-out refinance* and a home equity loan**. They may sound similar, but they work a little differently.
A cash-out refinance replaces your current mortgage with a new one (hopefully with better terms) and lets you take out cash based on the equity you’ve built. It’s great if you want to update your mortgage and access funds at the same time.
A home equity loan keeps your current mortgage in place and adds a second loan on top of it — like a bonus boost of cash without changing your main loan. Perfect if you're happy with your current rate but want extra funds for things like renovations, tuition, or travel.
No matter what you're planning, understanding the difference puts you in the driver’s seat. DM me to talk through the options and find the best fit for your next move.
*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.
**All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

If your home has good bones, we’ll help take care of the rest. With PrimeLending’s flexible renovation loans, it’s easy to finance the updates you’ve been dreaming about. You get one simple loan that covers your mortgage and the renovation costs all while keeping your project moving forward.

From fresh finishes to full remodels, we’ll help you make the most of what you’ve got. DM me to learn how to turn your vision into reality.

Why settle for someone else’s vision when you can build your own from the ground up?

Choose your location, customize your layout, and design every last detail to fit your life. With a PrimeLending construction loan, you can finance both the lot and the build — all in one simple solution. Now is your chance to create a home that fits your lifestyle today and your plans for tomorrow.

Curious how construction loans work? DM me and I’ll walk you through it!

Owning a home shouldn’t mean stretching your budget thin. You deserve a mortgage that fits your lifestyle, your goals and what you’re comfortable with.
If you’re not sure where to start, a simple mortgage calculator can give you a clear idea of what’s affordable based on your income, expenses and goals. It’s a great first step before you start house hunting.
Want the link to the calculator? Drop a comment below and I’ll send it your way. I’m happy to help you explore what works best for you.