Roth Mortgage Team-Tom & Sharon Roth PrimeLending NMLS 528125/1558512

06/04/2026

https://blog.primelending.com/first-time-homebuyer-programs-explained/

Ready to buy your first home? See how first-time homebuyer programs may help with upfront costs, loan options and local support.

05/27/2026

We will be joining Helen Zhang in a presentation through Urbana Park District this Saturday morning. If you have wondered what it takes to buy a home, this is the event for you.

The event is free but they request participants register in advance.

Would you like to learn about credit readiness, loan program options, documentation requirements, and what to expect from application through closing? Join PrimeLending 9-10 am May 30 to get ready for financing for your home. Register here: http://apm.activecommunities.com/urbanaparks/Activity_Search/15821

05/25/2026

Today we honor the meaning of Memorial Day and remember the brave men and women who gave their lives in service to our country. Wishing you a safe and thoughtful holiday.

05/18/2026

The first home purchase is often driven by timing, budget, and compromise. It is where you learn what matters, what does not, and what you wish you had prioritized. It is typically not your forever house. It is an opportunity to start building equity in something you own.

The second property is where clarity takes over. Equity from the first home changes your options and experience changes your decisions. And suddenly you are not just buying what you can afford, you are building toward how you actually want to live.

🌟 That shift is where real strategy begins.

Reach out for guidance on planning your next move with intention and confidence!

05/16/2026

Your G.P.A. doesn't matter...to your lender. Did you know college graduates with a job offer can often use a job offer to qualify for a home loan? We can use transcripts to complete the two year history often associated with employment. And yes, mom, we don't care what the grades are, just that a degree was received.

05/03/2026

PITI is the full picture of your monthly mortgage payment. It stands for principal, interest, taxes, and insurance.

That's important because a lot of first-time buyers look at the home price first, but your monthly payment is what needs to fit your life and your budget.

Once you understand your PITI, it gets easier to narrow your price range, plan with more confidence, and move forward with a clearer idea of what you can afford.

DM me to run your numbers.

05/02/2026

House hunting gets a lot easier when you know your budget upfront.

You can shop with a clear plan, stay focused on what fits, and move quickly when the right home comes along.

Let's run your numbers or get you pre-approved* https://www.primelending.com/about-us/contact

*Pre-approval means credit has been pulled and an AUS has returned eligible. A pre-approval does not signify that underwriting requirements have been met. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

04/28/2026

Champaign County tax bills are posted online. They will also be mailed out. Most home homeowners escrow for real estate taxes. The bank will be notified. Got questions? Give your lender a call.

04/26/2026

Thanks to all at RE/MAX Realty Associates and that came out at mile marker 24 to work the orange station and cheer on all the runners for the Christie Clinic Illinois Marathon