David Fili - Senior Home Loan Advisor

David Fili - Senior Home Loan Advisor I’m David Fili, NMLS: 25741, Senior Loan Officer with PrimeLending, a national mortgage lender. At PrimeLending, we are Home Loans Made Simple®.

PrimeLending NMLS ID: 13649 I’m David Fili, NMLS: 25741, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly

mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. primelending.com/legal Equal Housing Lender For licensing information, go to: www.nmlsconsumeraccess.org

Happy Fourth of July! Today is our chance to pause and appreciate the ideals our country was built on — opportunity, res...
07/04/2025

Happy Fourth of July! Today is our chance to pause and appreciate the ideals our country was built on — opportunity, resilience and the hope of a better tomorrow.
While everyone’s story looks a little different, we’re grateful for the moments that bring us together like time with family, honoring those who serve and reflecting on what matters most.
How are you celebrating today? Share your favorite traditions in the comments, we’d love to see how you’re spending the holiday.

The only thing standing between you and your own front door? A plan. Understanding your options, your budget and the ste...
07/03/2025

The only thing standing between you and your own front door? A plan. Understanding your options, your budget and the steps ahead can give you the confidence to move forward. That's where I can help. I will walk you through the process, answer your questions and help you feel fully prepared to take that next step. Ready to see how close you are to home? DM me to start the conversation.

Trying to time the market just right? It makes sense — but it’s not always the most practical strategy. The real questio...
06/12/2025

Trying to time the market just right? It makes sense — but it’s not always the most practical strategy. The real question is: how much could waiting actually cost you?
According to Bankrate, U.S. home prices rose by 4.5% in 2024 and are projected to increase by another 2% in 2025*. That means a $400,000 home at the start of this year could cost $408,000 by year’s end — an $8,000 difference just for waiting.
If the right opportunity came up today, would you be ready? DM me to get a quote.
*Source: https://www.bankrate.com/real-estate/housing-market-2025/?utm_source=chatgpt.com

There’s more than one way to lower your mortgage rate — and two of the most common are buydowns and discount points. Bot...
06/11/2025

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.

First summer in your new place? There’s nothing like turning that house into a home — and a summer full of memories is t...
06/10/2025

First summer in your new place? There’s nothing like turning that house into a home — and a summer full of memories is the perfect place to start.
Whether you're unpacked or still living out of boxes, here’s a bucket list to help you soak up the season:
• Host your first backyard BBQ
• Add some personality with a DIY project
• Watch a sunset from your new porch or patio
• Plant something — herbs, flowers, anything green
• Invite the neighbors over for a casual get-together
• Have a movie night under the stars
• Explore your new neighborhood like a tourist
• Start a photo wall with your favorite new memories
Homeownership is about more than just the mortgage — it’s about making space for the moments that matter. What would you add to the list?

Tapping into your home’s equity can be a smart way to fund big goals — but understanding your options is key. Two popula...
06/09/2025

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.

Today, we’re talking about something that can seriously strengthen your offer in today’s market—earnest money.When you m...
05/03/2025

Today, we’re talking about something that can seriously strengthen your offer in today’s market—earnest money.

When you make an offer on a home, adding an earnest money deposit—a.k.a. a “good faith” deposit—shows the seller you’re serious. It’s typically 1-3% of the purchase price and goes toward your down payment or closing costs once the deal is done.

Why does it matter?
It gives your offer more weight.
It could help you stand out in a competitive market.
It gives the seller confidence you won’t walk away.

Bottom line—a little up front can go a long way.
Got questions about earnest money or how much you should put down? DM me to chat or schedule a call—I'm here to help you make confident moves in your homebuying journey.

Flowers aren’t the only things blooming this spring—40% of all new homes are sold between February and May*! Thinking ab...
05/02/2025

Flowers aren’t the only things blooming this spring—40% of all new homes are sold between February and May*!
Thinking about buying or selling? Here’s how to stand out in a busy market:

Buyers
• Get approved** for a mortgage—Strengthen your offer and shop with confidence knowing your budget.
• Set a firm budget—Avoid overbidding or underbidding and stay focused on homes within reach.
• Offer earnest money—A good faith deposit shows sellers you’re committed and serious.

Sellers
• Boost curb appeal—First impressions matter and fresh landscaping can increase interest in your home.
• Make value-adding upgrades with a renovation loan—Tackle projects like a modern kitchen or updated flooring that could raise your asking price.
• Offer a temporary buydown—Help buyers secure a lower initial rate without sacrificing your bottom line.
Spring moves fast, but so do I. DM me to talk next steps.

*Source: https://www.nar.realtor/blogs/economists-outlook/seasonality-in-the-housing-market **Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

05/01/2025

A reverse mortgage* can be a game-changer for homeowners 62 and older. It lets you turn your home’s equity into cash — without selling or making monthly mortgage payments. Instead, repayment happens when you sell or move out.

This can give you more financial freedom to cover daily expenses, medical bills or even long-awaited home upgrades, all while staying in the home you love. But like any financial decision, it’s important to understand how it works and what to expect.

Want to see if a reverse mortgage is the right fit for you or a loved one? DM me — I’ll walk you through the details and answer any questions you have.

*These are brokered loan products. Not available in the following states: NY or NC. 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.

The equity in your home isn’t just a number — it’s a tool that can help you make important upgrades. Whether you want to...
04/30/2025

The equity in your home isn’t just a number — it’s a tool that can help you make important upgrades. Whether you want to remodel your kitchen, add more space or tackle repairs, a home equity loan can help cover the costs.

This option allows you to borrow against your home’s value with a fixed rate and predictable monthly payments, making it a smart way to finance renovations.

If you're thinking about making changes to your home, let’s talk. I can you through the home equity loan process and help you get started.

*Source: https://www.corelogic.com/intelligence/homeowner-equity-insights-q3-2024/

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169 South Road, # 9 & 10
Bedford, NH
03110

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