Pam Jamison - PrimeLending - NMLS# 277012

03/31/2025

Home affordability is about more than just the price of a house. It involves the full financial picture and what fits within your budget. If you're planning to buy, here are a few key factors that can impact what you can afford:

- Interest Rates – Even a small change in rates can affect your monthly payment.
- Down Payment – A larger down payment can lower your loan amount and may reduce mortgage insurance costs.
- Credit Score – Higher scores can help you qualify for better loan terms and lower interest rates.
- Debt-to-Income Ratio – Lenders look at your monthly debt compared to your income to determine how much you can borrow.
- Property Taxes & Insurance – These costs vary by location and should be factored into your budget.

Understanding these factors can help you make smart financial decisions before you buy. If you want an idea of what you can afford, try my free home affordability calculator. Comment below and I’ll send you the link!

03/19/2025

Help your VA clients save and close more deals this spring! With PrimeLending’s Spring Into Savings Buydown Program, a limited-time 1-0 temporary buydown* on VA purchase loans, we’re reducing the effective interest rate and mortgage payments for the first year. Plus, I can combine this offer with our No VA Lender Fees** promo to stack their savings.

Don’t miss out—this opportunity is only available for a limited time!

Contact me today and mention promo code SPRING SAVINGS to learn more.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 2/1/25 and 4/30/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

** All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as VA funding fee, title, and appraisal etc. Down payment waiver is based on VA eligibility. This offer is valid until 6/30/2025. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions and is not available on loans obtained through mortgage brokers. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program other than Spring Into Savings Buydown promotion offer. Savings will reflect on Closing Disclosure at closing.

09/18/2024

Big news out of today’s Federal Reserve meeting! For the first time since 2020, the Fed lowered interest rates by 0.5%. Mortgage rates may soon fall as well.
If you’ve been waiting for rates to drop to buy or refinance a home, now could the time to act! Let’s connect to talk about what this could mean for you.

05/01/2024

Changing your status from “renter” to “owner” can be intimidating, but it comes with a lot of long-term and short-term benefits. And at the end of the day it is so nice to come home to a place that’s yours. If you’re ready to get started, I’m ready to help!

04/17/2024

You’ll see a lot of calculators to help you figure out how much house you can afford, but I can do it for you. Once you understand which homes are in and out of your price range, it will help refine your search, and you’ll be unstoppable.

04/05/2024

04/02/2024

Whether by land, air or sea, I’ll help you finance your home and PrimeLending will waive the lender’s fee. If you are a Veteran or are active-duty, you may qualify for a VA home loan and receive exclusive VA benefits like:
Waived lender fees*
100% financing
No down payment requirement
And that’s just the beginning. Call or text me today to learn about your VA loan options.

*While lender closing costs will be waived, borrower is responsible for third party fees. Down payment waiver is based on VA eligibility. First mortgage purchase or refinance transactions only; not available or brokered loans. Cannot be combined with any other offer. Other restrictions may apply. Offer current as of 3/22/24 and is subject to change.

01/26/2024

There is a lot of pent up demand!

10/13/2023

WANT MORE HOMEBUYING POWER? PrimeLending is increasing conforming loan limits on single-family homes to $750,000 for loans locked on or after 10/13/2023! That's a +3.28% increase from the current limits. Loan limits are also higher for 2-4 unit properties. Contact me for details.

Product info as of 10/13/23, subject to change.

02/21/2023

Thinking of building a new home? We have the loan options to help you get the job done. With supply chain issues improving, building a new home has never been more efficient. And with a PrimeLending New Construction Loan, you'll have the opportunity to customize every detail to your liking, including all the latest technology and energy-efficient features.

Contact me today to learn more about building your new construction home with PrimeLending.

02/07/2023

CLOSING COST VS CASH TO CLOSE
What's the difference between closing costs and cash to close? You might think these are the same thing, and you're not alone!

Closing costs are fees associated with buying a home, such as appraisal fees, title fees, and attorney fees. These costs are typically paid at the closing of the sale.

Cash to close, on the other hand, is the amount of money you will need to bring to the closing table, which includes your down payment, closing costs, and any prepaid expenses. Not sure how much you need to budget?

Let’s connect and I’ll be happy to help you with the planning process!