David Gibbs, NMLS: 1459772

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David Gibbs, NMLS: 1459772

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I’m David Gibbs, NMLS: 1459772, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple.

PrimeLending NMLS ID: 13649

I’m David Gibbs, NMLS: 1459772, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. At PrimeLending, we are Home Loans Made 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. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

Equal Housing Lender

10/30/2026

The trees are bursting with color out back.

10/29/2026

Things to ghost this year:

Renting.

Landlords.

Paying someone else’s mortgage.

If homeownership has been on your mind, don’t let assumptions about down payments, credit or today’s market scare you away. You may have more options than you think.

Ready to stop renting and start working toward a home of your own? Let’s talk about what it takes to get you there.

10/28/2026

When negotiating on a home, a lower price isn’t the only thing worth asking for.

What if seller concessions could be used to help lower your upfront costs or even reduce your monthly payment with a temporary buydown?

Sometimes, it pays to look beyond the price tag and ask: What else could that money do?

I can help you run the numbers and compare your options.

Before you negotiate, let’s talk.

10/27/2026

When Was Your Last Mortgage Checkup?

Your life changes. The market changes. Your mortgage options can change, too.

A quick mortgage checkup can help you understand how much equity you’ve built, whether your current loan still fits your goals and what other options may be available.

Sometimes, simply knowing where you stand can help you plan what’s next.

Ready for a mortgage checkup? Let’s talk.

10/26/2026

Don’t let one number scare you away from exploring your options.

Buying could mean finding the right home for your life, starting to build equity or getting out of a rental that no longer works for you.

Refinancing could still make sense if you want to access equity or change your loan terms*.

A higher rate doesn’t automatically mean making a move is the wrong move.

Let’s run the numbers and see what makes sense for you.

*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.

10/23/2026

Buttermilk biscuits with gravy are a breakfast favorite of mine. Some for today, safe the rest for later.

10/22/2026

Working with a limited budget? Don’t count yourself out.

You may not need 20% down to buy a home. Depending on your situation, low-down-payment loans, down payment assistance*, gift funds or seller contributions could help make homeownership possible.

The amount in your savings account is only one part of the picture.

Before you assume you can’t afford to buy, let’s look at your options.

*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

10/21/2026

What if the right home just needs a little work?

Expanding your search to fixer-uppers could give you more homes to choose from, help you get into a neighborhood you love and give you the freedom to make the space your own.

Even better? With the right renovation loan, you may be able to finance the home and the improvements together.

Before you cross that fixer-upper off your list, let’s talk about what could be possible.

10/20/2026

Is your home holiday-hosting ready?

If your pre-holiday wish list includes a kitchen refresh, new flooring, updated guest space or finally tackling those projects you’ve been putting off, there may still be time to get started.

A HELOC* can let you tap into your home’s equity to help fund improvements and give you flexibility to borrow what you need.

Want to get your home gathering-ready? Learn more about your home equity options.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

10/19/2026

Wish you’d started preparing to buy a home sooner? Start now.

It’s not too late to work on your credit, build your savings, explore down payment assistance or simply find out what you can afford.

You don’t need to have everything figured out before talking to a lender. In fact, starting the conversation early can help you understand what to work toward.

Wherever you are today, let’s figure out your next step.

Address

8201 Norman Center Drive, Suite 230
Bloomington, MN
55437

Telephone

+16515296333

Website

http://www.davidmgibbs.com/

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