Justin Ardoyno - Mortgage Lender

02/16/2024

This is why we lace ‘em up and step on the court everyday🇺🇸❤️Mr. and Mrs. Mortgage

Is there a better day to close on a home than on Valentine's Day? 🥰

These guys will forever hold a special place in my heart and real estate memory - 26 days from first contact to closing! 🥳
They were my *first* call in client, my first military couple, and my first VA loan process.

I want to give Justin Ardoyno - Mortgage Lender a huge shout out for making this such a smooth process, and for getting us to the closing table 21 days earlier than we anticipated.

09/09/2022

Ready to buy a new home? 🏡 You’re in luck! We have increased the PrimeLending loan limits, beginning TODAY and lasting through 2023. 📈

Higher loan limits means your dream home may be closer than you think!!

09/02/2022

What is an appraisal and why is my contract contingent on the home appraising? An appraisal determines the estimated value of your home. This is used to determine whether the property is sufficient collateral for your loan. The appraisal contingency helps to protect buyers from overpaying. An appraisal contingency allows the buyers to back out of a contract if the appraisal value of the home is less than the agreed-upon purchase price.

What comes in the appraisal report? Good appraisers show their work – you’ll get an explanation of the valuation, an overview of the local market’s trends, a summary of the home’s characteristics, and any issues the appraiser noticed that affected the valuation.

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09/02/2022

It’s that time (again) — time to get your home primed and ready for a new season. Summer temps and rains can take a toll, so here are a few maintenance tasks to perfect for your to-do list this September:

1. Change the air filters.
2. Check the exterior for areas where critters can get inside.
3. Clean out the garbage cans.
4. Clear out the gutters.
5. Inspect and clean the siding
6. Inspect your home’s windows and clean inside and out.
7. Repair leaky faucets
8. Schedule an HVAC maintenance appointment.
9. Test all smoke and carbon monoxide detectors.
10. Deep clean the refrigerator.

Happy September, friends! Let me know if you have any house-related questions as you get ready for fall. I’m here to help you make the most of your home sweet home!

09/01/2022

Our loan officers are literally the best! Across the board, our team is more talented, experienced, trustworthy and helpful according to the borrower feedback collected by MortgageSAT. That’s why we’re the best-in-class in this important category.

08/30/2022

PrimeLending has been helping people buy homes, provide stability for their families, build wealth, and put families in the best possible financial situation since 1986. We’ve seen nearly every market, every shift, every curveball.

Our advice? Don’t make long-term decisions based on temporary circumstances. Rates are temporary (always have been, always will be) but your home can be forever.

Although rates are up right now, you can MARRY the house you love and DATE the interest rate for a couple of years. What do I mean by that – I mean don’t be scared out of the homebuying market by today’s interest rates. You can always buy the rate down, refinance, etc. but you can never go back and buy the house you passed on or capture appreciate gains years down the line. DM me for more information!

08/25/2022

Brand new carpet, fresh paint, shiny appliances - what’s not to love about buying new construction?

While that new home feeling is great, buying new construction can be tricky without some initial know-how. So you can experience all the pros and none of the pitfalls, here are three mistakes to avoid when purchasing a new construction home.

1. Failing to research the area ahead of time. It’s easy to fall in love with a neighborhood and floor plan before doing your due diligence about the surrounding community. Ask around to assess what’s happening (or not happening!) in the area that may impact your home’s value down the road.
2. Not thoroughly vetting your builder/developer. A builder can make or break your experience buying new construction, so make sure you do your research. And don’t just take his word for it - ask for referrals, read online reviews, and talk to your agent about what they know.
3. Waiving the home inspection. Heads up! Newer homes can have just as many problems as older homes, so don't waive the home inspection. It can alert you to things your builder overlooked or didn't properly complete.

Have your eye set on a new construction home? Reach out to me about a new construction loan from PrimeLending which is designed to give you flexibility and help save you money on your home!

08/24/2022

HGTV makes fixer-uppers seem a lot more simple than they actually are. With everything there are pros and cons to a purchasing a diamond-in-the-rough and turning it into your dream home.

Before pouring your hard-earned cash into a fixer-upper, ask yourself:

- Do you have the patience of a saint? Labor shortages and supply chain issues are causing even minor home repairs to drag on and on. Patience, flexibility, and time to wait will be your best friends.
- Do you have the time and capacity? Taking on a fixer-upper is incredibly exciting, but it can also be all-consuming. Ask those who know you best their thoughts about your potential new project.
- Is the price right? All that fixing is going to take cash. Talk with your realtor and a trusted lender (aka me!) to set the right expectations about what you can afford.
- Where will you live during renovations? With a move-in ready, you just, well, move in. A fixer-upper, not so much. To make it work, you’ll need a place to crash or fork out for a rental.
- Is your partner on board? Fixing up a home tests every relationship to its core. If you and your partner aren’t on the same page, something move-in ready will be most harmonious for the home front.

Even though a fixer-upper can have it’s challenges, you have a say in all the details that go into your home. From wall colors to backsplash to flooring, you have the opportunity to design a home that fits your lifestyle. Still like the idea of a fixer-upper? Ask me about our renovation guide which will walk you through the process of a renovation loan using PrimeLending.

08/24/2022

Get approved faster with PrimeLending, a PlainsCapital Company’s digital mortgage. You can verify employment, income and assets securely through our convenient portal – no document uploads required. Ready to experience the new way to mortgage? Contact me today to get started.

08/23/2022

We are OVER the MOON to announce a new addition to the Abilene team, Crystal Lopez!!!!! Crystal started with PrimeLending in 2013. She left for a brief hiatus in 2018 and came back in 2020. Since her tenure with the company she has been a Processor, Team Loan Officer, Ops Manager and a Loan Officer! She is coming to us from our Brownwood office, and we are BEYOND blessed to get to add her to the Abilene processing team! Please join me in welcoming her!!!!

08/22/2022

Buying a home is a numbers game, but it’s also an emotional game. That’s why from the get-go, I encourage buyers to only view homes they can confidently afford.

That said, some guidelines can provide a starting point for answering the question: How much home can I afford?

- Most financial experts say housing expenses should be no more than 28% of your total pre-tax income. This includes your monthly P&I mortgage payment, homeowners insurance, property taxes, and PMI payments (if applicable).

- For example, if your salary is $55,000 per year, your gross monthly income is $4,583 ($55,000 divided by 12). Your total housing costs (principal, interest, taxes, and insurance) shouldn’t exceed $1,283 per month (28% of $4,583).

- Keep in mind that total debt should be under 36% of your total pre-tax income. This includes housing costs mentioned above and credit cards, car loans, personal loans, and student loans.

-Want to play with the numbers yourself? Checkout our home affordability calculator to help you determine the price of a home that fits into your budget.

https://www.primelending.com/calculators/how-much-home-can-i-afford-calculator

07/27/2022

It’s not only an honor to be named as a preferred lender by an agent, but to get to do their personal home loan, is the best of the best! ❤️❤️❤️