Loan Officer LaKeshia NMLS # 1816247

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United States
Anderson, SC
Loan Officer LaKeshia NMLS # 1816247

👩🏽‍💼Mortgage Broker
Legacy Lending Mortgage Group
💻www.legacylendingmg.com
☎️1-866-893-5564
📧[email protected]

06/11/2026

Check the pinned comment for a link to a 17 minute webinar that answers questions about the grant!

06/10/2026

LAWD yall tore me up this past week with these grants😩Just gave out my biggest one yet for $15,750, keep it coming though, I’m built FORD TOUGH💪🏾Come get this FREE MONEY to buy a house❤️

06/04/2026

🚨‼️I now offer a GRANT that is available to help you purchase a home‼️The best part❓ YOU DO NOT HAVE TO REPAY IT!!! THIS IS A GAME-CHANGER🎉

The grant is with an FHA loan and can cover your 3.5% down payment requirement (There is also an option to get just a 2% grant for those who have some money and just need some assistance)

🗣️🗣️🗣️THERE IS NO SECOND LIEN, THERE IS NO REPAYMENT REQUIRED, AND IT IS FORGIVABLE ON THE DAY YOU CLOSE!

Here are the highlights:

✅Minimum FICO score of 620

✅No income limits

✅DTI requirements follow FHA guidelines so up to 46.99% for mortgage payment and up to 56.99% for mortgage and all other debts

✅No first time homebuyer requirement

✅Manual underwriting allowed

✅Can buy up to a 4 unit property (DUPLEX, TRIPLEX, QUADPLEX)

🤔I know you are wondering, what’s the catch, because there is no such thing as FREE MONEY, right?

😏I will be up front with you, THE INTEREST RATE IS GOING TO BE HIGHER THAN A NORMAL FHA LOAN! That is tradeoff for getting the assistance, you either pay more up front by paying your own down payment OR you pay more monthly by not paying more up front for a down payment.

Also, because the rate is higher (hence the payment is higher), the amount you qualify for may be less than qualifying for a traditional FHA loan.

BEFORE YOU ASK, LEGALLY I CANNOT JUST QUOTE OR GIVE YOU A RATE SO I CANNOT TELL YOU WHAT THE RATE IS BECAUSE IT IS DEPENDENT UPON A LOT OF FACTORS, SO PLEASE DON’T ASK WHAT THE RATE IS, I HAVE TO HAVE A LOT MORE INFORMATION TO PROVIDE A RATE.

The closing costs are generally higher as well, BUT you can ask the seller to pay up to 6% of the home price as a seller credit which will normally cover the closing costs. THIS is the best way to utilize this program without you having to come out of pocket much.

🌞There are pros and cons to using down payment assistance, you just have to determine what works best for you and ULTIMATELY the monthly payment should be your deciding factor. If you don’t have a lot of funds up front, but want to purchase, as long as you can handle the monthly payment that comes along with the higher rate, this may be a good option for you to get in your new home, then after 6 months, you may be able to look into doing a streamline refinance and lowering your rate.

⭐️You do still need money for a credit check, earnest money, appraisal fees, and inspection fees, so expect to have to have some funds or get a gift for those funds.

🙋🏾‍♀️👩🏾‍💻I can offer this program in any state EXCEPT NY AND WA. If you are ready to see if you (or your clients if you are an agent) can qualify, comment GRANT in the comments and I’ll send you the link to your DM so we can get started today!

06/02/2026

We are now accepting VANTAGE SCORES for mortgage approvals‼️What this means is buyers who may not have qualified before due to their FICO score may qualify now since Vantage 4.0 scores are being allowed🤗

A veteran who had no FICO score and no non traditional tradelines was turned down since tbey didn’t have a score BUT with the new Vantage 4.0 being used, they had a 606 score & now qualifies🎉
(SEE PHOTO BELOW)

This could turn a NO or NOT RIGHT NOW into a PREAPPROVED🤗 Some Vantage 4.0 scores are coming in higher than FICO scores and allowing people to be preapproved who may have been denied before due to their FICO score.

CURRENTLY THEY ARE ONLY AVAILABLE FOR CONVENTIONAL AND VA LOANS (NO DOWN PAYMENT ASSISTANCE OR FHA LOANS).

If you are ready to see if you may be approved using your Vantage 4.0 score, comment INTERESTED below & I’m ready to assist in any state EXCEPT NY

05/29/2026

🎉🥳Congratulations to my first time homebuyer on closing on their home today🤗

📍South Carolina(I can assist in any state EXCEPT NY)

05/26/2026

Congratulations to my client who just refinanced their home and lowered their interest rate to save money monthly on the mortgage payment.

05/20/2026

Congratulations to my first time homebuyer who closed today🎉

📍Georgia (I can assist in any state EXCEPT NY🤗)

05/15/2026

‼️Homebuying hack to save money‼️Find a home in a USDA eligible area that has been price reduced, instead of the price reduction, offer the original price, and ask for a seller credit instead.

Use the seller credit to pay for your closing costs and USDA loans have NO DOWN PAYMENT🥳The seller can pay up to 6% of the home’s purchase price towards your closing costs.

👉🏾This is how people are getting into homes using very little money. Have enough up front for a credit check, earnest money, appraisal and inspection. This could be as little as around $1,650 AND you may even get some back at closing.

💸Instead of using down payment assistance, please make sure you look into USDA loans first🥇USDA is an income based loan, but a household with 4 people or less can make up to$119,850 annually ($9,987.50) or $158,250 if you have 5 people or more in the household and STILL QUALIFY. Some higher cost counties even allow higher incomes!

These are great loans and often forgotten about and I can assist you with obtaining with as little as a 580 credit score although many think they need a 640.

📍Over 90% of the US is USDA eligible and a lot of places you wouldn’t expect are eligible. Before looking into down payment assistance, see if you qualify for a USDA loan because a lot of down payment assistance either comes in the form of a higher rate or second lien and USDA does not, just no down payment and the seller can pay up to 6% towards your closing costs!

💎If you see a home listed at 300,000, but it was originally offered at $315,000, you can offer $315,000 and ask for a $15,000 seller credit and that $15,000 can pay your closing costs and possibly buy down your interest rate some to save you on the monthly payment.

🗣️If you’re sitting on the sidelines because you don’t feel like you have enough money to buy a home, let’s take a look into USDA loans. I can assist in any state EXCEPT NY!

I’ve seen a lot of people (and lenders) skip over USDA loans because of misinformation, but lucky for you, I am a guideline Queen when it comes to USDA loans🤗

05/11/2026

Funded on May 8th🤗🎊🎉 Congratulations to my buyer on their purchase of a triplex❤️

📍ARKANSAS ( I can assist anywhere EXCEPT NY)

04/29/2026

Silent Moves, LOUD results💪🏾 April is almost over and here are some recent closings. I put my head down and focused. This past year has been a testimony for me and one day soon, I’ll let yall in on that testimony, but just know I prayed to God for alignment and quality over quantity and HE has given me JUST that🙏🏾 Friendly reminder, I can assist in any state except NY‼️

Address

Anderson, SC
29621

Website

http://www.legacylendingmg.com/

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